Gyra+

What Gyra+ does

Gyra+ is a Brazilian AI-powered credit analysis and decision platform that aggregates 500+ data sources to automate and standardize B2B credit risk workflows. Founded in 2017 and headquartered in São Paulo (with the corporate domain registered to Rio de Janeiro), the company serves financial institutions, retailers, industrial firms, energy and utilities companies, and rental/facilities operators across Brazil. Named customers include Sicredi, Sicoob, Banco Arbi, Banco Mercantil, Genial Investimentos, Stone, Koin, iFood, Zona Sul, Leroy Merlin, Tenda, the government development banks Badesc and Badesul, and additional enterprise logos spanning agribusiness, real estate, and healthcare.

The platform is structured around five integrated modules: Análise de Crédito Inteligente (risk assessment drawing on all integrated sources), Motor de Crédito (a no-code rule engine for custom approval workflows), Insights de IA (recommendations for credit limit, rate, and term), Monitoramento Contínuo (real-time alerts on sanctions, protests, and judicial proceedings), and Compliance e KYC (company, partner, and certificate validation). Underlying technology consists of proprietary AI models operating on 2,000+ variables across the integrated data sources, which include the three major Brazilian credit bureaus (Serasa, Boa Vista, ProScore), direct access to the Central Bank's SCR, financial statements, judicial records, protest databases, and business registries. A WhatsApp AI Analysis feature was announced in 2024 and is in early access.

Gyra+ monetizes through a four-tier SaaS subscription (Starter R$1,299/month, Growth R$3,399/month, Business R$5,499/month, Enterprise on custom multi-year contracts) supplemented by usage-based "credit for reports" allocations (R$910 to R$4,100 per tier) and custom integrations for enterprise customers. Go-to-market combines enterprise field sales with self-serve exploration and a 2024 WhatsApp channel expansion. Revenue, ARR, headcount trends, and capital structure beyond the 2019 seed round (BoostLAB and Crestone Venture Capital) are not disclosed in the source material.

Name

Gyra+

Legal name

Gyra+

Website

https://gyramais.com.br

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

Gyra+ is a Brazilian AI-powered credit analysis platform that aggregates 500+ data sources to automate credit decisions for financial institutions, retailers, and industrial companies. Its proprietary AI models combine credit bureau, regulatory, and financial data into no-code credit policy workflows.

Ownership category

akta.pro rank

Product category

Credit Risk Analytics Software

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Loan Brokers (6163)

akta.pro primary industry

Risk, Controls & Governance (GRC) Platforms (FSAFAOAG)

akta.pro secondary industries

Enterprise AI Governance, Risk & Compliance Platforms (Model Risk, Audit, Policies) (HDAEANAE), Model Governance, Risk & Compliance (GRC) Platforms (HDAAAKAA)

Keywords

• Credit risk analysis
• AI credit decisioning
• KYC compliance platform
• Credit data integration
• Automated underwriting

Headquarters

HQ city

Rio De Janeiro

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Subscription - Platform Access: Monthly subscription tiers (Starter R$1,299, Growth R$3,399, Business R$5,499, Enterprise custom) providing dashboard access, automated credit decisioning, AI insights, and compliance tools.
2. Credit for Reports: Monthly credit allocation for generating reports - R$910 for Starter, R$2,400 for Growth, R$4,100 for Business. Additional credits may be purchased as usage-based add-on.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels7 records

Core offering

Gyra+ is a SaaS credit analysis and decision platform that aggregates 500+ Brazilian data sources (Serasa, Boa Vista, ProScore, SCR Bacen, judicial records, protests, certificates, registries) and applies proprietary AI models to automate credit risk assessment, policy configuration, KYC, and continuous monitoring. It is sold to financial institutions, retailers, industrial companies, energy firms, and rental/facilities operators as tiered monthly subscriptions (Starter to Enterprise) in Brazilian Reais.

Product overview

Gyra+ is a unified AI-powered credit analysis and decision platform featuring five integrated modules: Análise de Crédito Inteligente (AI credit analysis with 500+ data sources), Motor de Crédito (customizable credit engine with approval rules/workflows), Insights de IA (AI recommendations for limits, rates, and terms), Monitoramento Contínuo (real-time risk monitoring with automatic alerts), and Compliance e KYC (business verification and certification validation). The platform also includes a centralized Hub de Dados with 500+ integrated data sources (credit bureaus like Serasa, Boa Vista, ProScore; SCR Bacen; financial statements; judicial data; protests; certificates). Available in four pricing tiers (Starter at R$1,299/month through Enterprise with custom pricing) and an upcoming WhatsApp AI analysis feature. The platform is designed for financial services, retail, industry, energy, and facilities sectors.

Differentiator

Problem solved

Functional benefit

Products and services

• Gyra+ Credit Analysis and Decision Platform Integrated SaaS platform that automates the full credit analysis and decision workflow for Brazilian financial institutions, retailers, industrial companies, energy firms, and rental/facilities operators, combining AI credit scoring, no-code policy configuration, continuous monitoring, and KYC/compliance on top of 500+ data sources. Sold as monthly subscriptions (Starter R$1,299; Growth R$3,399; Business R$5,499; Enterprise custom).

Quantifiable outcome

• 10 billion+ credit limits analyzed
• +4 more outcomes

Named customers20 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability7 records

Feature7 records

Partnerships

Four partnerships are on record, tiered core.

• Serasa ExperiancoreTechnology or IntegrationIntegrated credit bureau providing credit scores, financial data, and business information for credit analysis. Core data source for the platform's 500+ integrated sources.
• Boa Vista SCPCcoreTechnology or IntegrationIntegrated credit bureau providing credit scores, protest records, and consumer/business credit data. Core data source for the platform.
• ProScorecoreTechnology or IntegrationIntegrated credit bureau providing additional credit scoring and risk assessment data. Core data source among the integrated bureaus.
• SCR Bacen (Banco Central do Brasil)coreTechnology or IntegrationDirect access to Central Bank's SCR (Sistema de Informações de Crédito) providing banking data and credit information from all financial institutions.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Belvo: Latin American open banking and financial data aggregation API platform serving fintechs, lenders, and enterprises across Mexico, Brazil, and Colombia. Direct competitor in financial data aggregation for credit and risk decisions in Latam.
• idwall: Brazilian identity verification, KYC, and credit risk platform serving fintechs, retailers, and financial institutions with automated onboarding and risk analysis. Direct competitor in the Brazilian credit/KYC decisioning space, with comparable enterprise customers and API-driven model.
• Boa Vista SCPC: One of Brazil's major credit bureaus and a data partner of Gyra+. Offers credit scores, risk analytics, and decisioning solutions, making it both a critical data supplier and a direct competitor in the credit analysis market.
• Kanastra: Brazilian credit infrastructure platform providing embedded credit and lending-as-a-service solutions for fintechs, securitizadoras, and asset managers. Comparable in providing technology rails for credit origination and risk assessment in Brazil.
• Caf: Brazilian credit-as-a-service and embedded lending platform enabling businesses to offer credit products through APIs. Comparable in providing credit decisioning infrastructure to fintechs and non-bank lenders in Brazil.

Broad incumbents

• Bureau van Dijk (Moody's): Global provider of business information and predictive analytics for corporate credit and risk assessment, now part of Moody's. Comparable in delivering multi-source corporate credit data and analytics to financial institutions and corporates.
• Serasa Experian: Brazil's largest credit bureau and a core data partner of Gyra+. Provides credit scores, bureau data, fraud prevention, and increasingly AI-driven decisioning products — competing with Gyra+ at the bureau-plus-analytics layer with vastly greater scale and brand recognition.
• Quod: Brazilian credit bureau formed by major banks (Bradesco, Santander, Itaú, etc.), aggregating banking credit information and providing risk analytics. Competes with Gyra+ at the multi-source credit information layer with strong banking industry backing.
• CRIF: Global credit information, business information, and decisioning solutions provider with significant presence in Brazil and Latin America. Offers bureau data, analytics, and credit decisioning platforms comparable to Gyra+'s enterprise offerings but at global scale.

Emerging players

• Hash: Brazilian fintech infrastructure startup providing banking-as-a-service and financial data APIs for businesses. Emerging player with partial overlap in serving Brazilian fintechs and financial institutions with technology infrastructure for credit and financial workflows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/gyramais
• Facebookfacebook.com/gyramais
• LinkedInlinkedin.com/company/gyramais

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors2 records

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 Gyra+