Grafeno
Grafeno is a Brazilian B2B financial infrastructure platform providing correspondent-banking-enabled digital accounts, escrow, credit analytics, digital asset issuance, and white-label APIs to FIDCs, fintech platforms, ERPs, and consulting firms across the credit lifecycle.
- Company typePrivate
- Founded2019
- HeadquartersSão Paulo, Brazil
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Grafeno does
Grafeno is a Brazilian B2B financial infrastructure platform founded in 2019 and headquartered in São Paulo, operating as a correspondent bank partner for regulated Brazilian financial institutions including Vórtx Sociedade de Crédito Direto, Vórtx DTVM, and BMP Sociedade de Crédito Direto. The company provides a comprehensive digital ecosystem covering the entire credit lifecycle — credit intelligence (Grafeno Analytics with integrated Serasa credit bureau access), digital asset issuance (CCBs, Notas Comerciais, CPR-F), escrow/vinculada accounts, business accounts (Conta Empresa), digital signatures (Assine Grafeno), concession management (Titularidades), and guarantee control (Grafeno Controle) — accessible via web portal, mobile app on iOS and Android, and a public REST API v3.0.0 with sandbox and Postman collections.
The platform is built on a cloud-based architecture using REST APIs, webhooks for real-time event notifications, SSL encryption, and dual authentication, and is offered in a white-label configuration enabling financial institutions to rebrand Grafeno infrastructure as their own financial platform. Grafeno operates through two legal entities — Grafeno Pagamentos Ltda. (primary) and Vórtx Grafeno Ltda. (secondary) — with a team of 51-100 employees.
Grafeno monetizes through a multi-stream model combining transaction-based fees (payments, asset issuance, digital signatures), recurring subscription fees for account services (Conta Empresa, Conta Escrow, Escrow Flex), and licensing royalties from white-label partners. Distribution occurs through self-serve digital onboarding, direct enterprise sales, white-label partnerships with regulated financial institutions, and API integration with three primary customer segments: FIDCs/securitizadoras/factorings requiring receivables anticipation infrastructure, tech platforms/ERPs/marketplaces needing embedded financial services, and legal/accounting/financial consulting firms managing client portfolios.
Grafeno firmographics
Firmographics- Name
- Grafeno
- Legal name
- Grafeno Pagamentos Ltda.
- Website
- https://grafeno.digital
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Grafeno is a Brazilian B2B financial infrastructure platform providing correspondent-banking-enabled digital accounts, escrow, credit analytics, digital asset issuance, and white-label APIs to FIDCs, fintech platforms, ERPs, and consulting firms across the credit lifecycle.
- Ownership category
- akta.pro rank
Grafeno industry classification
Industry- Product category
- Financial Infrastructure Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Other Activities Related to Credit Intermediation (522390)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
- akta.pro secondary industries
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
Keywords
Where Grafeno is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices3 records
Markets served
Grafeno business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction-based fees: Revenue generated from processing credit operations, payments, and financial transactions on the platform. Fees are debited from participant accounts based on services utilized.
- Account services: Monthly fees for Conta Empresa, Conta Vinculada (Escrow), and Escrow Flex account services including digital operations, transfers, and payment management.
- Asset issuance: Fees for issuance of financial assets including CCBs, Notas Comerciais, and CPR-F through the Grafeno Ativos platform.
- White Label partnerships: Revenue from financial institutions using Grafeno's infrastructure to offer branded financial platform services to their customers.
- Digital signature services: Fees for electronic document signing processes including signature wizard, document upload, and signature link generation.
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
Grafeno product offering
Product offeringCore offering
Grafeno operates a cloud-based B2B financial infrastructure platform providing a complete digital ecosystem for the credit cycle, including business accounts (Conta Empresa), escrow accounts (Conta Vinculada and Escrow Flex), digital asset issuance (CCB, Nota Comercial, CPR-F via Grafeno Ativos), credit analytics with integrated Serasa consultation (Grafeno Analytics), electronic signatures (Assine Grafeno), and guarantee control (Grafeno Controle). The platform is accessible via web, mobile app (iOS/Android), and a public REST API (v3.0.0) with sandbox, and supports white-label deployments for financial institutions and embedded integrations for tech platforms, ERPs, and marketplaces.
Product overview
Grafeno is a digital credit infrastructure platform offering a comprehensive ecosystem of interconnected financial services. The platform operates on a unified architecture with core products including Grafeno Analytics (credit intelligence with Serasa integration), Assine Grafeno (digital signature), Grafeno Ativos (digital asset issuance for CCB, Nota Comercial, CPR-F), Conta Empresa (digital business account), Conta Escrow and Escrow Flex (escrow/vinculada accounts), Titularidades (concession management), Grafeno Controle (guarantee control), and White Label (financial platform creation). These products are designed to complement each other across the credit lifecycle, from analysis and issuance to management and settlement. The platform is accessible via web, mobile app (iOS/Android), and comprehensive public API (v3.0.0) with sandbox environment.
Differentiator
Problem solved
Functional benefit
Brands
- Grafeno Analytics: Credit intelligence and analysis platform for Serasa consultation and decision-making workflows.
- Grafeno Ativos
- Grafeno Controle
- Assine Grafeno
- Grafeno White Label
- App Grafeno
- Grafeno Contas
Products and services
- Grafeno Analytics
Companies that use Grafeno
Customer profileSegments3 records
Ideal customer profiles4 records
Grafeno technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability2 records
Feature8 records
Grafeno partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Vórtx Sociedade de Crédito Direto S.A.coreVórtx SCD is a regulated financial institution (CNPJ 53.385.390/0001-21) with which Grafeno operates as correspondent bank. The partnership enables opening and maintenance of bank accounts and provision of credit services through the Grafeno platform. Located at Rua Gilberto Sabino, 215, 3º andar, Pinheiros, São Paulo-SP.
- Vórtx Distribuidora de Títulos e Valores Mobiliários Ltda.coreVórtx DTVM (CNPJ 22.610.500/0001-88) is a securities distributor and financial institution partner enabling Grafeno to offer securities-related services. Located at Rua Gilberto Sabino, 215, 4º andar, Pinheiros, São Paulo-SP.
- BMP Sociedade de Crédito Direto S/AcoreBMP SCD (CNPJ 34.337.707/0001-00) is a direct credit society enabling Grafeno to offer credit operations through its platform. Located at Av. Paulista, 1765, 1º andar, São Paulo-SP. Ouvidoria available at 0800 067 5757.
- BMP Sociedade de Crédito ao Microempreendedor e à Empresa de Pequeno Porte Ltda.coreBMP S.A. MEI (CNPJ 11.581.339/0001-45) is a microcredit society serving microentrepreneurs and small businesses, enabling Grafeno to provide SME-focused credit services. Located at Av. Paulista, 1294, 6º andar, São Paulo-SP.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Grafeno competitors and assessment
Company assessmentDirect peers
- Pomelo: Latin American Banking-as-a-Service and card issuing platform enabling fintechs and corporates to launch financial products via APIs. Comparable to Grafeno's embedded finance and white-label infrastructure model for credit and payments across emerging markets.
- Dock: Brazilian payments and digital banking infrastructure provider offering issuing, acquiring, and account-as-a-service APIs. Highly comparable to Grafeno as a B2B fintech infrastructure platform enabling financial institutions and tech platforms to launch credit and payment products via APIs.
- a55: Brazilian embedded credit infrastructure platform providing credit-as-a-service APIs for businesses to originate and manage loans. Comparable to Grafeno's API-first model for credit issuance and credit operations across B2B channels.
- Kanastra: Brazilian credit infrastructure platform focused on securitization, receivables, and credit operations for the Brazilian market. Closely comparable to Grafeno given overlapping focus on FIDCs, securitizadoras, factorings, and credit operations technology.
- Pagar.me: Brazilian payment processor and financial infrastructure platform owned by Stone, offering APIs for payments, issuing, and digital accounts. Comparable to Grafeno in serving B2B customers with API-driven payment and account infrastructure in the Brazilian market.
Emerging players
- Belvo: Latin American open finance API platform aggregating bank account data and payment initiation. Comparable to Grafeno's API-first financial infrastructure layer, though Belvo focuses specifically on financial data connectivity rather than full credit cycle management.
Broad incumbents
- Conta Azul: Brazilian SMB financial management platform offering business accounts, payments, and ERP integrations. Comparable to Grafeno's target segment of ERPs and SMBs requiring financial infrastructure and account services.
- Cora: Brazilian digital business banking platform offering accounts, payments, and collections for SMBs. Comparable to Grafeno's Conta Empresa and digital account services targeting Brazilian businesses.
- Stone (formerly Stone Co.): Major Brazilian payments and banking platform offering acquiring, issuing, accounts, and credit products via APIs. Comparable to Grafeno's broader B2B fintech infrastructure footprint, with significantly greater scale and direct BACEN licensing.
Regional players
- Finvero: Brazilian credit technology and receivables platform serving factorings, FIDCs, and securitization companies. Comparable to Grafeno's core vertical focus on receivables anticipation and credit operations technology in the Brazilian market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Grafeno social profiles
Digital presenceGrafeno compliance and trust
Trust signalCompliance2 records
Grafeno financial estimates
Financial estimateRevenue estimate
Valuation estimate
Grafeno leadership team
Management profileNumber of profiles
Profiles2 records
Grafeno funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Grafeno M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Grafeno
What does Grafeno do?
Grafeno operates a cloud-based B2B financial infrastructure platform providing a complete digital ecosystem for the credit cycle, including business accounts (Conta Empresa), escrow accounts (Conta Vinculada and Escrow Flex), digital asset issuance (CCB, Nota Comercial, CPR-F via Grafeno Ativos), credit analytics with integrated Serasa consultation (Grafeno Analytics), electronic signatures (Assine Grafeno), and guarantee control (Grafeno Controle). The platform is accessible via web, mobile app (iOS/Android), and a public REST API (v3.0.0) with sandbox, and supports white-label deployments for financial institutions and embedded integrations for tech platforms, ERPs, and marketplaces.
Is Grafeno a public or private company?
Grafeno is a private company. It is classified as unknown and is currently operating.
When was Grafeno founded?
Grafeno was founded in 2019. It employs 51 to 100 people.
Where is Grafeno based?
Grafeno is headquartered in São Paulo, Brazil, in the Latin America region.
How does Grafeno make money?
Five revenue lines are on record. Transaction-based fees are the primary driver. The others are account services, asset issuance, white Label partnerships and digital signature services.
Who are Grafeno's main competitors?
Direct peers on record are Pomelo, Dock, a55, Kanastra and Pagar.me. Belvo is listed as an emerging player. Broad incumbents are Conta Azul, Cora and Stone (formerly Stone Co.). Finvero is listed as a regional player.
Does Grafeno have an API?
Yes. Grafeno offers a comprehensive public API (v3.0.0) enabling developers to integrate financial infrastructure services. The API provides multiple modules including: Charges API (boleto, PIX), Assine Grafeno (digital signature), Grafeno Ativos (asset issuance), Titularidades (concessions), Onboarding, Statements, Beneficiaries, Transfers, and Webhooks. Authentication is via API tokens. A sandbox/test environment is available for development. Postman Collection is provided for API testing. The API supports webhook notifications for real-time event handling across charges, payments, protests, and concessions. Developer documentation is at docs.grafeno.digital.
What industry is Grafeno in?
Grafeno's product category is Financial Infrastructure Software. Its primary akta.pro industry code is FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure, with a secondary code of FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets). Its NAICS code is 522320 and its SIC code is 6199.