Kria
Kria is a São Paulo-based CVM-authorized digital investment platform pioneering equity crowdfunding and fixed income (CRI, CRA) offerings in Brazil, connecting SMEs and real estate developers with 60,000+ retail and qualified investors through a self-service web platform.
- Company typePrivate
- Founded2014
- HeadquartersSão Paulo, Brazil
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Kria does
Kria Investimentos Ltda. is a Brazil-based digital investment platform, founded in 2014 and headquartered on Avenida Paulista in São Paulo, operating under CVM (Comissão de Valores Mobiliários) Resolution 88 authorization. It pioneered equity crowdfunding in Brazil as the country's first private investment platform targeting small and medium enterprises, and operates a two-sided marketplace connecting issuers seeking capital (SMEs with up to R$40M revenue, real estate developers, securitizadoras, fintechs, and startups) with a community of more than 60,000 registered retail and qualified investors. Over 100 investment operations have been completed, distributing more than R$136 million cumulatively to investors, with offerings typically yielding 18-23% p.a. on fixed income (CRI, CRA) or equity structures.
The platform's core technology stack comprises a self-service web application (app.kria.vc) for investor onboarding, KYC, and investment execution, integrated with Arco Pagamentos for digital account opening and fund transfers under Banco Central payment regulations. Products include Equity Crowdfunding, Renda Fixa Digital (Digital Fixed Income) launched in 2025 covering CRI and CRA instruments, structured Credit Portfolios, an Issuer Dashboard (Painel do Emissor), and Kria as a Service (KRS), a white-label offering for other financial institutions. The architecture supports operations being structured and distribution-ready in under one month, with claims of 50%+ cost reduction relative to traditional capital markets by eliminating intermediaries such as coordinators and custodians.
Kria monetizes through a three-tier fee structure: a one-time listing fee of R$5,000-R$6,000 per offering, a transaction-based success fee of 4.25-5% of capital raised (the primary revenue driver), and a variable performance fee on investor returns. Go-to-market combines self-service digital onboarding for investors with a sales-led, due-diligence-driven process for issuers, complemented by community-led engagement where investors become advocates and mentors for portfolio companies. Channel partnerships with securitizadoras (Incentive Securitização), fintech originators (M3 Lending), and real estate developers (DPR Construtora) supply the recurring deal pipeline.
Kria firmographics
Firmographics- Name
- Kria
- Legal name
- Kria Investimentos Ltda.
- Website
- https://kria.vc
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Kria is a São Paulo-based CVM-authorized digital investment platform pioneering equity crowdfunding and fixed income (CRI, CRA) offerings in Brazil, connecting SMEs and real estate developers with 60,000+ retail and qualified investors through a self-service web platform.
- Ownership category
- akta.pro rank
Kria industry classification
Industry- Product category
- Investment Platform / Equity Crowdfunding
- NAICS
- Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Merchant Cash Advance (MCA) Marketplaces (FSAKAHAI)
- akta.pro secondary industry
- Customer Success & Account Management CRM (HDAEAFAD)
Keywords
Where Kria is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Kria business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Listing Fee (Taxa de Listagem): Fee charged for analysis of documentation, KYC process, and approval of the offer listing on the platform. Ranges from R$5,000 to R$6,000 per offering.
- Success Fee (Taxa de Captação): Percentage of the final amount raised in successful offerings, typically 4.25% to 5% of capital raised. This is the primary revenue driver.
- Performance Fee (Taxa de Performance): Fee on investment returns when applicable and pre-established in contract. Variable compensation tied to investor outcomes.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Listing fee for issuers to list offerings |
| Transaction based/ take rate | Pay-as-you-go | Success fee on capital raised |
| Outcome Based/ Performance | Pay-as-you-go | Performance fee on returns |
Go-to-market motion3 records
Distribution channels2 records
Marketing channels5 records
Kria product offering
Product offeringCore offering
Kria operates a CVM Resolution 88-authorized digital investment platform that connects Brazilian SMEs seeking capital (issuers) with a community of retail and qualified investors. The platform enables equity crowdfunding and digital fixed income offerings (CRI, CR, CRA) with end-to-end structuring, distribution, KYC, and investor relations. Revenue is generated through listing fees, success fees on capital raised, and performance fees on investment returns.
Differentiator
Problem solved
Functional benefit
Products and services
- Equity Crowdfunding Platform Investment platform enabling investors to acquire equity stakes in private companies and startups, connecting entrepreneurs with a community of investors for long-term capital raising.
- Renda Fixa Digital (Digital Fixed Income) Digital fixed income investment platform offering fixed income securities including CRIs (Certificados de Recebíveis Imobiliários), commercial notes, and credit portfolios with higher returns by eliminating traditional market intermediaries.
- Kria as a Service (KRS) White-label technology infrastructure service allowing other platforms and financial institutions to leverage Kria's investment platform technology for their own offerings.
- CRI (Certificados de Recebíveis Imobiliários) Offerings Real estate receivable certificates - fixed income securities backed by real estate receivables, offering IR tax exemption for individual investors. Structured through securitization partners and distributed on the Kria platform.
- CR M3 Lending (Certificado de Recebíveis) Offerings Fixed income certificates backed by SME receivables originated by M3 Lending fintech, offering monthly interest and amortization payments with 22.5% annual returns.
Quantifiable outcome
- 50%+ reduction in issuance and distribution costs compared to traditional markets
- +3 more outcomes
Companies that use Kria
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles2 records
Kria technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
Kria partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Incentive Securitização S.A.coreSecuritizer company (part of Incentive Business hub) that acquires credit rights and issues CRI/Certificates for offerings on the platform. Structured multiple offerings including CRI Caucaia II series with R$500,000+ per offering.
- M3 LendingcoreFintech specializing in credit for SMEs, founded in 2021 with R$30+ million in credit volume issued. Originates receivables (CCBs) that are securitized and offered as CR (Certificado de Recebíveis) products on the Kria platform.
- Arco Pagamentos Ltda.corePayment processing partnership enabling digital account opening for investors and issuers. Arco Pagamentos provides the banking infrastructure for fund transfers and investment operations within the platform, complying with Banco Central payment system regulations.
- DPR ConstrutoracoreReal estate developer and originator of the Villagio Caucaia II project, which generated multiple CRI offerings on the platform. DPR brings real estate receivables that are securitized and offered to platform investors, with R$16-18 million in VGV.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Kria competitors and assessment
Company assessmentDirect peers
- Urbe.me: Brazilian crowdfunding platform originally focused on real estate and expanded into broader private market offerings for retail investors. Directly competes with Kria in the SME capital raising category and shares the CVM-regulated platform model.
- Bloxs: Brazilian investment platform specializing in real estate receivables certificates (CRI) and structured fixed income products for retail investors. Operates as a CVM-authorized platform with similar disintermediation thesis to Kria's fixed income expansion.
- Captalys: Brazilian fintech platform offering receivables-backed fixed income products and credit investments to retail investors. Directly comparable to Kria's Renda Fixa Digital operations, particularly CRAs and credit portfolios targeting retail yields in the 18-22%+ range.
- VintePila: Brazilian equity and debt crowdfunding platform connecting SMEs with retail investors, operating under CVM regulations. Comparable target segments (small companies seeking capital) and similar transaction-based revenue model.
Broad incumbents
- Crowdcube: Established European equity crowdfunding platform serving both issuers and retail investors. Comparable business model in regulated retail private market access, though operating at significantly larger scale in the UK and EU markets.
- Republic: US-based private investment platform offering equity, debt, and crypto opportunities to retail and accredited investors. Comparable community-driven GTM and multi-product (equity + fixed income) approach similar to Kria's expansion strategy.
- Wefunder: Largest US equity crowdfunding platform under Regulation Crowdfunding, offering retail investors access to startup equity. While US-based and broader in scale, it shares the equity crowdfunding business model that Kria pioneered in Brazil.
- XP Investimentos: Largest independent Brazilian broker offering fixed income, equity, and structured products to retail investors. While primarily a traditional broker, XP has expanded into private market and structured credit offerings that overlap with Kria's digital fixed income vertical.
Regional players
- StartEngine: US-based equity crowdfunding platform that pioneered Regulation CF offerings. Comparable transaction-based revenue model and SME/startup target issuer base, though operating in a different regulatory jurisdiction.
Others
- B3: Brazilian stock exchange operating the main securities and fixed income trading venues. Functions as the broader market infrastructure that Kria's CVM 88 platform operates parallel to (and disintermediates from), making it a key structural reference point for the addressable opportunity.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Kria social profiles
Digital presenceKria compliance and trust
Trust signalCompliance1 record
Kria financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kria leadership team
Management profileNumber of profiles
Profiles2 records
Kria funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kria M&A and investment
M&A and investmentM&A
Investments30 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kria
What does Kria do?
Kria operates a CVM Resolution 88-authorized digital investment platform that connects Brazilian SMEs seeking capital (issuers) with a community of retail and qualified investors. The platform enables equity crowdfunding and digital fixed income offerings (CRI, CR, CRA) with end-to-end structuring, distribution, KYC, and investor relations. Revenue is generated through listing fees, success fees on capital raised, and performance fees on investment returns.
Is Kria a public or private company?
Kria is a private company. It is classified as venture growth investor backed and is currently operating.
When was Kria founded?
Kria was founded in 2014. It employs 11 to 50 people.
Where is Kria based?
Kria is headquartered in São Paulo, Brazil, in the Latin America region.
How does Kria make money?
Three revenue lines are on record. Listing Fee (Taxa de Listagem) is the primary driver. The others are success Fee (Taxa de Captação) and performance Fee (Taxa de Performance).
Who are Kria's main competitors?
Direct peers on record are Urbe.me, Bloxs, Captalys and VintePila. Broad incumbents are Crowdcube, Republic, Wefunder and XP Investimentos. StartEngine is listed as a regional player. B3 is listed as an others.
Does Kria have an API?
No public API is recorded for Kria.
What industry is Kria in?
Kria's product category is Investment Platform / Equity Crowdfunding. Its primary akta.pro industry code is FSAKAHAI, Merchant Cash Advance (MCA) Marketplaces, with a secondary code of HDAEAFAD, Customer Success & Account Management CRM. Its NAICS code is 523 and its SIC code is 6199.