Genial Investimentos

Name

Genial Investimentos

Legal name

Genial Investimentos Corretora de Valores Mobiliários S.A.

Website

https://genialinvestimentos.com.br

Company type

Private

Operating status

Operating

Headcount range

501–1,000 employees

Ownership category

akta.pro rank

Product category

Retail Brokerage

NAICS

Investment Banking and Securities Intermediation (52315), Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Security Brokers, Dealers & Flotation Companies (6211), Investment Advice (6282)

akta.pro primary industry

Digital Brokerage & Self-Directed Investing Platforms (FSAGAEAC)

akta.pro secondary industries

Execution-Only / Self-Directed Investing Platforms (FSAAAAAI), Retail Investment Products (RIPs) & Packaged Products (PRIIPs/KIDs) (FSACAMAN)

Keywords

• Digital brokerage platform
• Fixed income investments
• Variable income trading
• Investment fund distribution
• Brokerage-as-a-service

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Brokerage and Trading Commissions: Zero brokerage on major assets for customers in the RLP programme; traditional brokerage fees apply for non-RLP clients. Revenue generated from B3 emoluments, order processing fees, and spread on certain products. The RLP model monetises retail order flow by channelling it to liquidity providers.
2. Distribution of Investment Funds: Genial distributes over 500 investment funds from third-party asset managers. Revenue earned as a distribution intermediary, receiving retrocessions from fund management fees. Funds span fixed income, equities, multimercado, currency, and international strategies.
3. Credit Products (Credit Cards, Loans): Revenue from credit card interchange fees, annual fees (Platinum and Black tiers), and potentially credit facilities linked to investment portfolios. Black card requires R$50,000 minimum investment; Platinum requires R$1,000 minimum.
4. Platform Subscription / Premium Services: Professional trading platforms (Profit Pro R$140.40/month, Scalper Pro R$140.40/month, Profit Plus R$97.40/month, Tryd R$111.40/month, etc.) charged to customers who do not maintain active RLP status.
5. Crypto Trading Fees: Transaction fees charged on each crypto buy/sell operation (BTC, ETH, USDT, USDC) via the in-app trading environment.
6. Genial As A Service (BaaS) / API Services: White-label infrastructure licensing fees charged to third parties (fintechs, banks, brands) that embed Genial's payment, exchange, and investment APIs via the Genial As A Service platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels10 records

Core offering

Genial Investimentos is a comprehensive digital investment platform that offers multi-asset brokerage services to Brazilian retail investors, including fixed income (Treasury Direct, CDBs, LCIs, LCAs, CRIs, CRAs, Debentures), variable income (stocks, FIIs, ETFs, BDRs, crypto, futures, structured products), investment funds, and private pension (PGBL/VGBL). The platform also issues Mastercard credit cards (Black and Platinum tiers), provides a Conta Global for international investing, and offers Genial As A Service (BaaS) white-label APIs for fintechs and digital banks. An Investment Banking division (Banco Genial) handles IPOs, M&A, and privatisations, while the Genial Gestão / Plural Gestão arm performs asset management.

Product overview

Genial Investimentos is a comprehensive digital investment platform offering a broad portfolio of financial products and services. The core offering centers on fixed income products (Treasury Direct, CDBs, LCIs, LCAs, CRIs, CRAs, Debêntures, Letters of Credit) and variable income products (stocks, real estate funds, ETFs, BDRs, crypto assets, futures, structured products). The platform also provides investment funds, private pension plans, credit cards, and digital banking services. Professional trading is supported through multiple platforms including proprietary Profit and third-party integrations (MetaTrader 5, TradingView, FlexScan, Rocket Trader, Scalper Pro, TraderEvolution, Tryd). Additional services include market research (Genial Analisa), portfolio recommendations, public offerings access, energy solutions (Genial Energy), and BaaS capabilities (Genial As A Service). The platform serves over 3 million clients with R$ 270 billion in assets and is complemented by investment banking (Genial Banco) and asset management (Genial Gestão/Plural Gestão) divisions.

Differentiator

Problem solved

Functional benefit

Brands

• Genial Energy: Assessoria para redução de custos no mercado de energia
• Genial Solar
• Genial As A Service
• Genial Gestão
• Banco Genial
• Genial Analisa
• Genial Club
• Genial Educação
• Fundo Genial Performance
• Genial Fidelidade

Products and services

• Renda Fixa (Fixed Income) Fixed income investment products including Treasury Direct (Tesouro Direto), CDBs, LCIs, LCAs, CRIs, CRAs, Debentures Incentivadas, and Letters of Credit, allowing investors to lend money to governments, banks, or companies in exchange for predetermined interest rates.
• Renda Variável (Variable Income) Variable income investment products including stocks (Ações), real estate funds (FIIs), ETFs, BDRs, crypto assets, agricultural funds (Fiagros), futures market, and structured products, offering higher potential returns with higher market risk.
• Fundos de Investimento (Investment Funds) Professionally managed investment funds covering fixed income, equities, currency, multi-market, and international strategies, with access to over 500 fund options from top Brazilian asset managers. Minimum investment starts from R$10.00 for the Genial Performance Fund.
• Previdência Privada (Private Pension) Long-term private pension plans including PGBL (Plano Gerador de Benefício Livre) and VGBL (Vida Gerador de Benefício Livre) products for retirement planning with tax benefits.
• Professional Trading Platforms (Profit, MetaTrader 5, TradingView, FlexScan, Rocket Trader, Scalper Pro, TraderEvolution, Tryd) Multi-platform trading offering for stocks, futures, and derivatives trading, with professional platforms offered free to clients who maintain active RLP (Retail Liquidity Provider) status.
• Genial Credit Cards (Black and Platinum) Mastercard-branded credit cards with no annual fee, flexible limits linked to investment portfolio, Genial Fidelidade points programme, and Mastercard Surpreenda benefits. Black tier requires R$50,000 minimum investment; Platinum tier requires R$1,000 minimum.
• Conta Digital e Conta Global Digital banking account for daily use combined with international account features for global investing and currency diversification.
• Genial As A Service (BaaS) Banking and brokerage-as-a-service platform providing payment, currency exchange, and investment APIs for partners to build their own financial products under their own brand.
• Banco Genial (Investment Banking) Investment banking division of Genial offering advisory services for IPOs, follow-ons, M&A, and privatisations, having moved more than R$150 billion in transactions and a leader in Brazilian privatisations.
• Genial Gestão / Plural Gestão (Asset Management) Asset management business across fixed income, variable income, private credit, and real estate funds, with funds distributed through Genial Investimentos' platform.
• Genial Energy Energy market advisory and solar energy investment solutions for businesses and individuals, providing autonomy to reduce costs through secure negotiation environment.
• Seguros (Insurance) Insurance products including life insurance (Seguro Vida), PET assistance (Assistência PET), and Pix insurance (Seguro Pix) for payment protection.
• COE (Structured Products) Structured products (Certificados de Operações Estruturadas) combining fixed income and derivatives to offer tailored risk-return profiles for investors.
• Consórcio Consortium (group buying) product enabling customers to acquire assets such as real estate or vehicles through shared savings pools administered by Genial.
• Ofertas Públicas (Public Offerings) Access to IPOs and follow-on public offerings, allowing investors to participate in company capital increases and new stock listings on B3.

Quantifiable outcome

• 250% of CDI return in the last 12 months for the Genial Performance Fund (available from R$10.00)
• +4 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles7 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

18 partnerships are on record, tiered core and minor.

• TradingViewcoreTechnology or Integration · 21 October 2025Genial Investimentos went live on TradingView's platform, enabling TradingView's global user base to trade directly through Genial's brokerage infrastructure. The partnership provides Genial with access to TradingView's extensive international retail trader community, differentiating it from domestic-only competitors. The integration allows Genial clients to access TradingView's charting and social trading tools while executing trades through Genial's B3-connected infrastructure.
• HashdexcoreStrategic or Co-development Partner · 25 April 2025Hashdex launched the world's first spot XRP ETF (ticker XRPH11) on Brazil's main stock exchange B3, with Genial Investments Securities Brokerage SA serving as the administrator. The ETF replicates the XRP Reference Price Index, invests at least 95% of net assets in XRP, holds nearly $40 million in net worth, and charges a maximum annual fee of 0.7%. Genial's role as administrator gives it recurring fee income and positions it at the forefront of crypto ETF innovation in Brazil.
• Plural Gestão (Asset Management)coreStrategic or Co-development PartnerPart of the Genial Group, Plural Gestão is a separate asset management entity providing fund management across fixed income, variable income, private credit, and real estate. It manages funds distributed exclusively through Genial Investimentos, forming a tightly integrated upstream product supply relationship within the corporate group.
• Banco Genial SA (Investment Banking)coreStrategic or Co-development PartnerPart of the Genial Group, Banco Genial SA is the investment banking division and is a leader in Brazilian privatisations, having moved more than R$150 billion in transactions. It operates as a distinct corporate entity under the Genial holding company.
• Genial Gestão (Asset Management)coreStrategic or Co-development PartnerGenial Gestão is the asset management arm of the Genial Group, managing funds across multiple strategies that are distributed through Genial Investimentos' platform.
• Genial Energy (Solar Energy)minorStrategic or Co-development PartnerGenial Energy is a solar energy investment and advisory service offered through the Genial Group, allowing clients to invest in solar energy generation. It extends Genial's product ecosystem beyond traditional financial assets.
• Profit (Nelkinda)coreTechnology or IntegrationProfit is the primary professional trading platform integrated with Genial's infrastructure. Available in multiple tiers (Profit Pro, Profit Plus, Profit One) with features for traders and investors. Genial offers all versions of Profit free of charge for customers who maintain active RLP status and meet minimum trading requirements.
• MetaTrader 5 (MT5)coreTechnology or IntegrationMetaTrader 5 (MT5) is integrated as a free professional trading platform for Genial clients, offering algorithmic trading, custom indicators, and multi-asset trading from a single interface. Part of the zero-cost platform package for active traders.
• FlexScancoreTechnology or IntegrationFlexScan is a professional options and quantitative trading platform integrated with Genial's infrastructure and offered free to active traders. Known for its options trading tools and quantitative strategy development capabilities.
• TrydcoreTechnology or IntegrationTryd is a high-performance trading platform integrated with Genial and offered free to active traders. Known for its speed and reliability in capturing market opportunities.
• TraderEvolutioncoreTechnology or IntegrationTraderEvolution is an integrated trading and investment management platform available to Genial clients, offering multi-broker connectivity, advanced charting, and portfolio management tools.
• Scalper ProcoreTechnology or IntegrationScalper Pro is an advanced trading platform combining Profit Pro tools with tape reading plugin capabilities, available free to active Genial traders who meet RLP requirements.
• Rocket TradercoreTechnology or IntegrationRocket Trader is a high-performance, low-latency trading platform integrated with Genial and available free for active traders.
• Mastercard (Card Issuing)coreChannel Partner/ Reseller/ DistributorGenial issues branded Mastercard credit cards (Platinum and Black tiers) under a Mastercard issuing partnership. The Mastercard Surpreenda loyalty programme is included with all cards. Black card requires R$50,000 minimum investment; Platinum requires R$1,000 minimum.
• B3 (Bolsa de Valores do Brasil)coreTechnology or IntegrationB3 is Brazil's main stock exchange and clearinghouse. Genial operates as a registered brokerage (Corretora de Valores Mobiliários) with direct connectivity to B3 for trading equities, derivatives, fixed income, ETFs, and other listed products. Genial is B3 certified and holds B3 operational qualification seals.
• ANBIMAcoreOthersANBIMA is Brazil's financial markets association. Genial holds ANBIMA certifications for Fiduciary Administration and Product Distribution, demonstrating compliance with ANBIMA's industry standards and codes of conduct.
• FGC (Fundo Garantidor de Créditos)coreOthersFGC provides deposit insurance protection of up to R$250,000 per CPF per institution for fixed income products (CDB, LCI, LCA, LC) distributed by Genial. This is a key trust and safety signal for retail investors.
• BEE4coreOthersBEE4 operates an investor protection mechanism (MRP - Mecanismo de Ressarcimento de Prejuízos) for BEE4 member brokerages. Genial participates in the BEE4 protection scheme alongside B3's MRP.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Rico Investimentos: Brazilian digital broker offering multi-asset trading, fixed income, funds, and research content to retail investors. Closely comparable to Genial on product shelf, digital-first onboarding, and active-trader platform integrations.
• XP Inc. Brazil's largest retail-focused investment platform, offering fixed income, variable income, funds, and investment banking services to a multi-million client base. Directly comparable to Genial in product breadth, target customer, and self-serve digital distribution model.
• Inter Investimentos: Brazilian digital bank with a brokerage and investment products distributed through its Inter&Co super-app. Comparable to Genial in bundling banking, credit, and investments under a single platform for retail clients.
• Toro Investimentos: Brazilian digital broker offering zero-brokerage equities, fixed income, and funds with a content-led acquisition strategy. Closely comparable to Genial on the RLP-style zero-brokerage positioning and retail-investor educational focus.
• Modal Mais: Brazilian digital broker offering zero-brokerage equities, fixed income, and funds to retail investors. Comparable to Genial as a Brazilian digital-native competitor targeting active self-directed traders with a similar product shelf.

Broad incumbents

• eToro: Global multi-asset social trading platform offering stocks, ETFs, crypto, and CFDs to retail investors with zero-commission trading. Comparable to Genial on digital self-directed brokerage model, multi-asset offering, and free-platform acquisition strategy.
• BTG Pactual: Brazil's largest independent investment bank with a substantial retail brokerage, asset management, and corporate advisory franchise. Comparable to Genial through its integrated retail brokerage (BTG Pactual Digital) and investment banking division (Banco Genial analogue).

Emerging players

• Avenue Securities: Brazilian-founded broker offering international investing access to Brazilian retail investors. Comparable to Genial in serving Brazilian retail investors seeking global market exposure (Genial's Conta Global is a competing offering).
• Nubank: Brazilian digital bank that has expanded into investments (Caixinhas, funds, treasury, fixed income, brokerage via Easynvest) for its 90M+ customer base. Comparable to Genial as a digital-first competitor leveraging a banking funnel to distribute investment products.

Others

• Hashdex: Brazilian crypto asset manager that launched the world's first spot XRP ETF (XRPH11) on B3 with Genial as administrator. Comparable to Genial through the crypto ETF administration relationship and shared exposure to Brazil's emerging crypto product market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@genialinvestimentos
• Xx.com/genialinveste
• Facebookfacebook.com/genialinvestimentos

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries7 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Genial Investimentos