Banco Ourinvest

What Banco Ourinvest does

Ouribank (legal name Ouribank S.A. Banco Múltiplo, formerly operating as Ourinvest) is a privately held Brazilian multiple bank headquartered on Av. Paulista in São Paulo. Founded in 1979 and employing between 501 and 1,000 people, the institution is regulated by the Central Bank of Brazil as a Banco Múltiplo, holding an A.Br credit rating with a Positive outlook. The bank specializes in foreign exchange and cross-border financial services for both Brazilian businesses and individuals, reporting R$ 160 billion in 2025 FX transaction volume across 2.35 million operations and claiming an 86.9% five-year CAGR.

The company's product platform is organized around a core foreign exchange franchise — Câmbio e Pagamento (international remittance), Crédito e Garantias (domestic and international credit lines), Proteção Cambial (FX hedge), and specialized Contas — supplemented by Fiduciary Administration, Asset Management, and Real Estate financing. Technology architecture is API-first: the "Hub de Soluções" platform exposes integration systems and APIs that allow fintechs, marketplaces, remittance companies, brokerages, travel agencies, facilitators, and other financial institutions to embed Ouribank's exchange and payment capabilities directly into their own products. Underlying components emphasize integration and interoperability rather than disclosed AI/ML capabilities.

Ouribank monetizes through transaction fees on FX and cross-border payments, recurring revenue from credit facilities, specialized accounts, fiduciary administration, asset management, and integration/API service fees. Go-to-market combines direct digital onboarding (internet banking and self-serve portals) for consumers and small businesses with a hub-and-spoke B2B model: an enterprise field-sales motion for large clients and a multi-tier partner network across at least eight correspondent and embedded-finance segments. Multi-channel marketing — website, LinkedIn, Instagram, YouTube, Spotify podcasts, economic research reports, and partner programs — supports both top-of-funnel awareness and bottom-of-funnel partner conversion.

Name

Banco Ourinvest

Legal name

Ouribank S.A. Banco Múltiplo

Website

https://ourinvest.com.br

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Banco Ourinvest, operating as Ouribank, is a privately held Brazilian Banco Múltiplo headquartered in São Paulo that provides foreign exchange, cross-border payments, credit, hedge, fiduciary, and asset management services to Brazilian businesses, individuals, and a network of correspondent and API-integrated B2B partners.

Ownership category

akta.pro rank

Product category

Foreign Exchange & International Banking Services

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Correspondent Banking (Nostro/Vostro & Agent Services) (FSABAJAA)

akta.pro secondary industries

Cross-border/Remittance Neobanks (FSABAFAH), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

Keywords

• Foreign exchange services
• International payment processing
• Cross-border banking
• API banking platform
• Asset management services

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Exchange and International Payment Services: Revenue from foreign exchange transactions, international remittances, and cross-border payment services. The bank transacted over R$ 160 billion in exchange operations in 2025, representing its core revenue stream.
2. Credit Products: Revenue from domestic and international credit lines extended to businesses for expansion purposes. Includes credit and guarantee products for companies.
3. Account Services: Revenue from specialized accounts facilitating global operations, including accounts for non-residents and domiciled individuals abroad.
4. Fiduciary Administration and Asset Management: Revenue from managing investment funds and fiduciary administration services.
5. API/Integration Services for Partners: Technology integration fees from fintechs, marketplaces, and other financial institutions using Ouribank's APIs for exchange and payment services.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

Banco Ourinvest (Ouribank) is a Brazilian multiple bank (Banco Múltiplo) that fundamentally provides foreign exchange, cross-border payments, and related international financial services. Its core sellable offerings include foreign exchange and international payments (Câmbio e Pagamento), domestic and international credit lines (Crédito e Garantias), FX hedge products (Proteção Cambial), specialized accounts for residents, non-residents, and persons domiciled abroad (Contas), fiduciary administration for investment funds (Administração Fiduciária), asset management (Gestão de Recursos), and real estate financing. These are delivered both directly to consumers and businesses and to B2B partners via APIs and the Hub de Soluções integration platform.

Product overview

Ouribank (Banco Ourinvest) is a Brazilian multi-service bank specializing in foreign exchange and international financial operations. The company operates a platform-plus-modules architecture organized around its core foreign exchange expertise. The main products include Câmbio e Pagamento (international remittances), Crédito e Garantias (credit lines), Proteção Cambial (hedge services), Contas (specialized accounts), and APIs e Sistemas de Integração (integration APIs). These are unified under the Hub de Soluções platform, which creates efficient digital journeys for B2B partners including brokerages, remittance companies, fintechs, and financial institutions. Additional products include Administração Fiduciária (fiduciary administration), Real Estate financing, and Asset Management services. The bank targets both individual customers and a diverse range of business segments including companies, lawyers, foreign exchange correspondents, facilitators, marketplaces, travel agencies, and other banks.

Differentiator

Problem solved

Functional benefit

Products and services

• Câmbio e Pagamento (Foreign Exchange and International Payments) International remittance and cross-border payment service enabling secure international payments and receipts for companies and individuals handling cross-border flows.
• Crédito e Garantias (Domestic and International Credit Lines) National and international credit lines and guarantee products for companies seeking to finance domestic operations or international expansion.
• Proteção Cambial (Currency Protection / FX Hedge) Foreign exchange hedge service providing predictability in international operations and allowing companies to take advantage of favorable FX market moments.
• Contas (Specialized Banking Accounts) Specialized bank accounts facilitating global operations, including accounts for non-residents and for individuals domiciled abroad.
• APIs e Sistemas de Integração (Financial Services APIs) Integration systems and APIs that automate foreign exchange operations and enable partners (brokerages, remittance companies, facilitators, fintechs, marketplaces, e-commerces, financial institutions) to integrate Ouribank's exchange and payment capabilities into their own platforms.
• Hub de Soluções (Solutions Hub Platform) Technology hub platform providing efficient, integrated, and automated digital journeys for partners, financial institutions, fintechs, and other B2B clients to deliver FX and payment experiences.
• Administração Fiduciária (Fiduciary Administration) Fiduciary administration services for investment funds and managed portfolios under the bank's regulated fiduciary administration capability.
• Gestão de Recursos (Asset Management) Asset management services for investment portfolio management.
• Real Estate (Real Estate Financing and Investment Solutions) Real estate financing and investment solutions offered by the bank.

Quantifiable outcome

• R$ 160 billion+ in foreign exchange transactions in 2025
• +2 more outcomes

Segments10 records

Ideal customer profiles9 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and supporting.

• Exchange Correspondent PartnerscoreChannel Partner/ Reseller/ DistributorNetwork of correspondent exchange partners (correspondentes cambiais) who resell Ouribank's exchange, payment, and currency protection products. Partners benefit from technological integration, autonomous operations, and a complete product portfolio.
• Fintech PartnerscoreTechnology or IntegrationFinancial technology companies integrating Ouribank's APIs for exchange and payment services into their platforms. Partners use Ouribank's banking infrastructure to power their own financial products and expand into international markets.
• Marketplaces and E-commercescoreTechnology or IntegrationOnline marketplaces and e-commerce platforms integrating Ouribank's international payment and exchange capabilities to enable cross-border sales and supplier payments.
• Remittance CompaniescoreChannel Partner/ Reseller/ DistributorCompanies specializing in international money transfers that partner with Ouribank for banking infrastructure and exchange services to process cross-border transactions.
• FacilitatorssupportingChannel Partner/ Reseller/ DistributorBusiness facilitators integrating Ouribank's services to provide international payment and exchange solutions to their customers.
• Financial BrokeragessupportingChannel Partner/ Reseller/ DistributorFinancial brokerage firms utilizing Ouribank's exchange and international payment services for their operations and client services.
• Travel AgenciessupportingChannel Partner/ Reseller/ DistributorTravel agencies partnering for international payment services related to supplier payments and travel transactions.
• Banks and Financial InstitutionssupportingChannel Partner/ Reseller/ DistributorOther banks and financial institutions partnering with Ouribank for specialized exchange services and banking infrastructure for specific international banking requirements.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Remitly: Remitly is a digital remittance company serving corridors including Brazil. It is a relevant peer for Ouribank's B2B remittance company clients and competes for the same end-customer cross-border flows.
• Nomad: Nomad is a Brazilian digital cross-border finance platform offering international accounts, FX, and investments. It targets a similar cross-border banking niche as Ouribank but with a digital-first consumer focus.
• Wise: Wise is a global cross-border payments platform that competes directly with Ouribank's remittance and international payment services, particularly for Brazilian consumers and businesses sending money abroad.

Broad incumbents

• Western Union: Western Union is a global incumbent in cross-border money transfers and FX. It competes with Ouribank on inbound and outbound Brazil remittance flows and through partner banking arrangements.
• Itaú Unibanco: Itaú Unibanco is Brazil's largest commercial bank with broad FX, trade finance, and correspondent banking capabilities. It is a broader incumbent that competes with Ouribank across multiple product lines for corporate clients.
• Banco BTG Pactual: BTG Pactual is Brazil's largest independent investment bank with a sizable FX, trade finance, and correspondent banking franchise. It is a broader incumbent competing with Ouribank in FX and credit services for corporate and institutional clients.
• MoneyGram: MoneyGram is a global cross-border payments and remittance company. It is comparable to Ouribank in cross-border transaction services and serves the same Brazilian remittance market through partner banks.
• Banco Inter: Banco Inter is a large Brazilian digital bank offering accounts, FX, payments, and credit. It competes with Ouribank in digital FX, accounts, and B2B partnerships and represents a comparable multi-product Brazilian banking model.

Direct peers

• Câmbio Real: Câmbio Real is a Brazilian FX specialist bank focused on currency exchange, international transfers, and remittances for individuals and businesses—a direct functional analog to Ouribank's core foreign exchange franchise in Brazil.
• Confidence Câmbio: Confidence Câmbio is a Brazilian currency exchange specialist offering FX, remittance, and international payment services. It directly competes with Ouribank's foreign exchange business for Brazilian consumers and SMEs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC-OUZ9NS460ADDmKi0GJLNQ
• Facebookfacebook.com/BancoOurinvest
• LinkedInlinkedin.com/company/banco-ourinvest
• Instagraminstagram.com/ouribank
• Xx.com/bancoourinvest

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Banco Ourinvest