Kria

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.

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

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

• Equity crowdfunding platform
• Digital fixed income securities
• SME capital raising
• Private market investments
• Investment platform Brazil

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. 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.
3. Performance Fee (Taxa de Performance): Fee on investment returns when applicable and pre-established in contract. Variable compensation tied to investor outcomes.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels5 records

Core 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

Named customers6 records

Segments5 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• Incentive Securitização S.A.coreChannel Partner/ Reseller/ Distributor · 1 January 2024Securitizer 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 LendingcoreChannel Partner/ Reseller/ Distributor · 1 January 2021Fintech 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.coreTechnology or IntegrationPayment 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 ConstrutoracoreChannel Partner/ Reseller/ DistributorReal 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

Direct 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

• LinkedInlinkedin.com/company/5026361
• Instagraminstagram.com/kria_vc
• Xx.com/kria_crowd
• Facebookfacebook.com/kria.vc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments30 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kria