Dotz

What Dotz does

Dotz S.A. is a Brazilian coalition loyalty platform operator connecting consumers, retailers, banks, and e-commerce partners through a unified points-based rewards currency known as Dotz. Founded around 2000 and headquartered in São Paulo, the company runs the Programa Dotz, a free-to-consumer loyalty program with 30M+ registered users, allowing members to earn points at physical retail locations (including Americanas' 1,447 stores, Savegnago's 80 supermarkets, and Sam's Club's 8 warehouse clubs), through 400+ online partner stores, via co-branded credit cards with Banco do Brasil and Banco BV, and through point-conversion bridges with banking programs including Livelo, C6 Bank, BRB, Banestes, and UAU CAIXA. Redemption options span a product catalog (Catálogo Dotz), a travel portal (Viaja Dotz), bill payments (PagContas Dotz), and direct cash conversion (Troca Dotz).

The platform's underlying technology combines a mobile-first coalition loyalty engine with an integrated free digital account (Conta Dotz) that supports Pix instant payments, debit card issuance, money transfers, and bill payment. In August 2022, Dotz acquired Noverde Tecnologia e Pagamentos for BRL 36.5 million to embed personal loan origination (Empréstimo Dotz) and a banking-correspondent capability directly into the app. The stack supports automatic points conversion from Banco do Brasil's Benefits program with a 20% monthly bonus and 4-year validity extension, plus co-branded card issuance through Elo Dotz (Banco BV) and Ourocard (Banco do Brasil) rails. Dotz S.A. is listed on B3 under ticker DOTZ3 with 251–500 employees and no parent company.

Dotz monetizes through five primary streams: selling loyalty points to partner companies (usage-based revenue tied to partner transaction volumes), earning marketplace commissions on point redemption transactions, charging transaction-based fees to partners, monetizing consumer transaction data through targeted marketing and analytics services, and originating financial products (primarily personal loans via Noverde). Distribution relies on a product-led growth motion via the mobile app, supplemented by bank-partner channels (BB app, internet banking, ATMs, BV card communications) and physical retail POS integration via CPF identification. The customer base is horizontal across Brazilian consumers, banking institutions, and retail partners, with the platform also extending into B2B payments and crypto-linked rewards as forward growth vectors.

Name

Dotz

Legal name

Dotz S.A.

Website

https://dotz.com.br

Company type

Public

Founded year

2000

Operating status

Operating

Headcount range

251–500 employees

Short description

Dotz is a Brazilian coalition loyalty platform connecting 30+ million consumers with retailers, banks, and e-commerce partners through a unified points currency, monetizing via partner point sales, marketplace commissions, data services, and personal loans via Noverde.

Ownership category

akta.pro rank

Product category

Consumer Loyalty Platform

akta.pro primary industry

Loyalty, Rewards & Retention Platforms (BPAFAFAH)

akta.pro secondary industries

Rewards & Loyalty Credit Cards (FSAKABAH), Rewards Marketplace & Redemption Platforms (Merchandise, Gift Cards, Experiences) (THALAKAC), Loyalty Commerce & Affiliate/Offer Platforms (Shopping Portals, Cashback, Offers) (THALAKAJ)

Keywords

• Coalition loyalty platform
• Consumer rewards program
• Loyalty points marketplace
• Digital financial services
• Cashback redemption platform

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Points Sales to Partners: Dotz generates primary revenue by selling loyalty points to partner companies. Partners purchase points to offer as rewards to their customers, creating a B2B revenue stream tied to transaction volumes across the partner network.
2. Data-Driven Marketing Services: The company monetizes its data assets by providing targeted marketing and analytics services to partners, leveraging consumer spending patterns and transaction data from the loyalty network.
3. Marketplace Commission: Operating a redemption marketplace where users exchange accumulated points for products, services, travel, and cashback. Dotz earns commissions on transactions within this marketplace ecosystem.
4. Financial Services Products: Revenue generated from financial services products including personal loans (through Noverde acquisition) and potentially other credit products offered alongside banking partners.
5. Transaction-Based Charges: Charging partners fees based on transaction volumes processed through the loyalty platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Dotz operates a multi-partner coalition loyalty platform that connects consumers with retailers, banks, and e-commerce partners through a unified points-based rewards currency. Consumers earn Dotz on everyday purchases at physical stores, online retailers, and via partner banking/credit card transactions, and can redeem points for products, travel, vouchers, cashback, or bill payments. The company also monetizes its platform by selling loyalty points to B2B partners and providing data-driven marketing services.

Product overview

Dotz operates a multi-partner coalition loyalty platform built around a points-based rewards ecosystem. The core product is the Programa Dotz (Dotz Loyalty Program), which connects consumers with retailers, banks, and e-commerce partners. It is offered as a unified app that also bundles a digital account (Conta Dotz) and co-branded credit cards with Banco BV (Elo Dotz) and Banco do Brasil (Ourocard). Redemption options include the Catálogo Dotz catalog, Viaja Dotz travel portal, cashback conversion (Troca por Dinheiro), PagContas Dotz bill payment, and Dotz Parcela installment purchases. The platform further extends into financial services through the NoVerde-acquired personal lending product (Empréstimo Dotz), and gamified engagement via Dotz Mercado challenges and the Programa Mais Dotz savings rewards. The ecosystem is anchored by a broad network of physical retail partners (Americanas, Savegnago, Sam's Club, RCarvalho, Quartetto, Carone, Bruda) and points-transfer integrations with major banking loyalty programs (Banco do Brasil, Livelo, C6 Bank, Banestes, BRB, UAU CAIXA), all accessible via mobile app and web.

Differentiator

Problem solved

Functional benefit

Products and services

• Programa Dotz (Dotz Loyalty Program) Flagship multi-partner coalition loyalty program enabling Brazilian consumers to earn points on purchases at physical stores, online retailers, and via partner banks/credit cards, redeemable across a broad catalog of products, services, travel, vouchers, and cashback.
• Conta Dotz (Dotz Digital Account) Free digital account integrated with the Dotz app, offering a debit card, Pix-based money transfers, bill payments, purchases, and cashback conversions of loyalty points for Brazilian consumers.
• Cartões Dotz (Co-branded Credit Cards) Co-branded credit cards issued with Banco BV (Elo Dotz) and Banco do Brasil (Ourocard) enabling cardholders to earn Dotz loyalty points on every purchase.
• Catálogo Dotz (Redemption Catalog) In-app and web-based product and service catalog allowing Dotz users to redeem accumulated points for physical goods, electronics, vouchers, and experiences.
• Viaja Dotz (Dotz Travel) Travel redemption portal within the Dotz ecosystem where users exchange accumulated Dotz points for flights and travel-related bookings.
• Troca Dotz por Dinheiro (Cashback Conversion) Feature allowing users to convert accumulated Dotz points directly into cash deposited in their Conta Dotz digital account, providing a flexible redemption option beyond physical goods.
• PagContas Dotz (Bill Payment) Bill-payment feature within the Dotz app allowing users to pay utility bills, invoices, and other accounts, with the ability to convert points to cash for payment.
• Empréstimo Dotz (Personal Loan) Personal lending product offered through acquired Noverde technology, enabling Dotz users to access personal loans directly within the Dotz app with credit analysis, loan origination, and disbursement services.
• Dotz Parcela (Installment Purchasing) Installment purchasing feature allowing users to pay for in-store purchases in up to 5 installments without a credit card, while earning additional Dotz points.
• Programa Mais Dotz (Savings Rewards) Savings-linked rewards program where users maintaining a minimum balance of R$150 in their Conta Dotz earn 1 Dotz per R$3 held daily, credited monthly with no additional cost.
• Dotz Mercado In-app section featuring promotional offers, challenges, and targeted deals that allow users to earn bonus Dotz on specific purchase behaviors.
• Ganhe Online Dotz (Online Earnings Portal) Portal listing 400+ online partner stores where users earn Dotz on online purchases, with credit timelines of up to 45 days after payment confirmation.

Quantifiable outcome

• 15% year-over-year revenue growth in Q4 2024
• +2 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

Feature6 records

Partnerships

17 partnerships are on record, tiered core, flagship, major and minor.

• Noverde Tecnologia e Pagamentos S/AcoreStrategic or Co-development Partner · 1 August 2022Dotz acquired Noverde in August 2022 for BRL 36.5 million. Noverde is a fintech company specializing in personal loans, providing Dotz with financial services product capabilities. The acquisition was completed following proposals and agreements in early 2022, involving purchase, sale, and merger with shareholder approval.
• Noverde Correspondente Bancario LtdacoreStrategic or Co-development Partner · 1 August 2022Acquired alongside Noverde Tecnologia, this banking correspondent entity enables Dotz to offer personal loan products through the platform, expanding into financial services.
• Banco do BrasilflagshipChannel Partner/ Reseller/ DistributorMajor banking partner offering automatic points conversion (Conversão Automática) with 20% monthly bonus, 10% discount on catalog, and weekly prize drawings. Points transfer is free and extends point validity to 4 years. Customers can transfer manually without minimum limits or use automatic conversion through BB app, internet banking, or ATMs.
• Banco BV (Votorantim)flagshipChannel Partner/ Reseller/ DistributorCredit card partnership offering BV-branded cards that earn Dotz points on purchases. Points are credited to accounts after bill payment.
• LivelomajorChannel Partner/ Reseller/ DistributorPoints transfer partnership allowing Livelo loyalty program members to convert their points to Dotz through bank channels.
• C6 BankmajorChannel Partner/ Reseller/ DistributorPoints transfer partnership enabling C6 Bank customers to transfer loyalty points to Dotz.
• Banco BRBmajorChannel Partner/ Reseller/ DistributorBanking partner allowing customers to transfer loyalty points from BRB programs to Dotz.
• Banestes (Banco do Estado do Espírito Santo)minorChannel Partner/ Reseller/ DistributorRegional banking partner enabling points transfer from Banestes loyalty program to Dotz.
• CAIXA (Programa UAU CAIXA)majorChannel Partner/ Reseller/ DistributorPoints transfer partnership with CAIXA bank allowing UAU CAIXA program members to convert points to Dotz.
• AmericanasflagshipChannel Partner/ Reseller/ DistributorMajor retail partner with 1,447 stores participating in Dotz physical earning and redemption. Customers earn points through CPF identification at checkout and can redeem at partner locations.
• SavegnagomajorChannel Partner/ Reseller/ DistributorSupermarket chain partner with 80 stores where customers earn Dotz on grocery purchases.
• RCarvalhomajorChannel Partner/ Reseller/ DistributorRegional retail partner with 55 stores participating in Dotz earning network.
• CaronemajorChannel Partner/ Reseller/ DistributorRetail partner with 11 stores in the Dotz network.
• Sam's ClubmajorChannel Partner/ Reseller/ DistributorWarehouse club partner with 8 locations enabling Dotz earning on membership purchases.
• QuartettominorChannel Partner/ Reseller/ DistributorRetail partner with 16 stores in the Dotz network.
• BrudaminorChannel Partner/ Reseller/ DistributorRegional retail partner with 13 stores in the Dotz earning network.
• Itaú UnibancoflagshipChannel Partner/ Reseller/ DistributorMajor banking partner mentioned in strategic context, though specific partnership mechanics are not detailed in available sources.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Regional players

• Nubank: Brazilian digital bank with ~90M+ customers, credit cards, and account-based reward mechanics that compete for the same cardholder spending that drives Dotz's co-brand programs.
• Magazine Luiza (Magalu): Brazilian omnichannel retailer with MagaluPay, MagaluMoney, and its own loyalty/rewards programs. Comparable physical-and-online earning footprint to Dotz but vertically owned rather than coalition-driven.
• Banco Inter: Brazilian digital bank with a captive payments and rewards ecosystem including Inter Shop marketplace. Competes for the same everyday-spend and digital-account use case as Dotz's Conta Dotz within a regulated bank model.
• C6 Bank: Brazilian digital bank with a competitive credit-card rewards portfolio and branded loyalty program. Overlaps with Dotz both as a partner (points transfer) and as a competitor for everyday-spend rewards.

Direct peers

• TudoAzul: Azul Brazilian Airlines' loyalty program, allowing members to earn points across partner banks and retailers and redeem for award flights. Comparable multi-bank, multi-retail coalition model with a travel redemption anchor.
• Méliuz: Brazilian cashback and shopping-portal operator listed on B3 (CASH3), offering online cashback at 2,000+ merchants and a free digital account. Closely comparable to Dotz in the Brazilian consumer cashback/earning niche.
• Smiles: GOL Linhas Aéreas' coalition loyalty program (B3: SMLS3) enabling points accumulation across partner retail and credit cards, redeemable primarily for flights. Operates the same coalition logic as Dotz but anchored on an airline.
• Livelo: Largest Brazilian coalition loyalty program, formed from the merger of Multiplus and Smiles, owned by Banco do Brasil, Bradesco, and Itaú. Direct competitor to Dotz's coalition model, integrating credit card spending and multi-bank points transfer.

Broad incumbents

• Rakuten: Global affiliate-cashback and loyalty network with cash back, coupons, and a points currency across thousands of online merchants. Overlaps with Dotz's shopping portal/affiliate partner model at much larger geographic scale.

Emerging players

• Honey (PayPal): Browser-based cashback and coupon finder acquired by PayPal, aggregating online savings across 30,000+ merchants. Comparable digital-first affiliate/earning experience but global rather than Brazil-focused.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/programa_dotz
• YouTubeyoutube.com/user/dotzuser
• Facebookfacebook.com/dotzoficial
• LinkedInlinkedin.com/company/dotz
• Instagraminstagram.com/programa_dotz

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors

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

M&A1 record

Investments

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

Frequently asked questions about Dotz