MOVA
- Company typePrivate
- Founded2019
- HeadquartersVila Olímpia, Brazil
- Headcount101–250
- GTM typeB2B and B2C
- OfferingSoftware
MOVA firmographics
Firmographics- Name
- MOVA
- Legal name
- Mova Sociedade de Empréstimo entre Pessoas S.A.
- Website
- https://mova.vc
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
MOVA industry classification
Industry- Product category
- Credit Infrastructure as a Service
- NAICS
- Sales Financing (52222)
- SIC
- Finance Services (6199), Personal Credit Institutions (6141)
- akta.pro primary industry
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
Keywords
Where MOVA is headquartered
LocationHeadquarters
- HQ city
- Vila Olímpia
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
MOVA business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Credit as a Service Platform Fees: MOVA provides its CaaS platform to businesses enabling them to create and operate credit products. Revenue likely comes from platform fees, transaction processing, or interest rate spreads on loans originated through the platform.
- P2P Lending Intermediation: Facilitates peer-to-peer lending between borrowers and investors. Platform charges fees or earns spread between borrower interest rates and investor returns. Funding rates from 0.80% per month with terms up to 60 months.
- CCB and Credit Certificate Issuance: Emission and management of CCBs (Certificados de Crédito Bancário) and Certificados de Crédito with speed. Revenue from issuance and management fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Funding rates starting at 0.80% per month |
| Other | Pay-as-you-go | ZERO administration fee for investors |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
MOVA product offering
Product offeringCore offering
MOVA operates a Credit as a Service (CaaS) platform that enables enterprises to build, brand, and operate custom digital credit products without becoming a financial institution, offered via white-label deployment or API integration. It also runs a peer-to-peer lending platform directly connecting individual borrowers with investors for consumer financing and investment products, bypassing traditional banking intermediation. Both lines operate under MOVA's status as the first SEP (Sociedade de Empréstimo entre Pessoas) authorized by Banco Central do Brasil under CMN Resolution 5.050/22.
Product overview
MOVA is a Credit as a Service (CaaS) platform operated as a white-label solution. The core offering includes P2P Lending (connecting borrowers directly with investors), Financiamentos (financing products), and Investimentos (investment opportunities). These are powered by modular components including a White-Label Platform, Credit Engine integrated with Serasa Experian, Document Digitization for CCBs and certificates, Collection and Recovery Solutions, and CRM and Automation Tools. Companies can deploy modular or complete credit solutions to create additional revenue streams.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit as a Service (CaaS) Platform MOVA's flagship Credit as a Service platform that enables enterprises across industries (retail, services, industry, wholesale) to create, brand, and operate custom digital credit products without becoming a financial institution. Delivered via white-label deployment or API integration, it provides a turnkey, modular, fully digital credit stack including credit decisioning, CCB issuance, digital signing, collection automation, and CRM tools.
- P2P Lending Platform Peer-to-peer lending platform that connects individual borrowers directly with individual investors, eliminating bank intermediation to increase investor returns and reduce borrower interest rates. Operates as a SEP (Sociedade de Empréstimo entre Pessoas) under Brazilian regulation.
- Financiamentos (Financing) Financing product offered through MOVA's P2P lending platform with rates starting from 0.80% per month and repayment terms up to 60 months, financed directly by investors without bank intermediation. Targeted at individual borrowers seeking personal loans or consumer financing.
- Investimentos (Investments) Investment product allowing individual investors to participate in a diversified portfolio of P2P financing quotas with zero administration fees, earning returns up to 44.30% per year (above 300% of CDI rate). Targeted at individual investors seeking higher-yield alternatives to traditional fixed income.
Quantifiable outcome
- 4+ million loans processed
- +5 more outcomes
Companies that use MOVA
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
MOVA technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
MOVA partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and flagship.
- Serasa ExperiancoreMOVA is the Credit as a Service solution of Serasa Experian, enabling companies to build credit operations. Integration with Serasa Experian provides access to intelligence analytics, deep credit analysis, and Brazil's largest big data ecosystem for instant credit decisions.
- OMNI BancoflagshipUnion of 25 years of experience from OMNI Banco with entrepreneurs from new generations, resulting in the first P2P lending platform approved by Banco Central. This partnership provided foundational expertise for P2P lending operations.
Scale indicators6 records
Recent moves5 records
Expansion highlights5 records
MOVA competitors and assessment
Company assessmentEmerging players
- Pismo: Brazilian-founded (now Visa-owned) embedded finance and core banking infrastructure platform providing APIs for cards, accounts, and payments across LatAm, an adjacent CaaS-adjacent competitor for enterprise financial infrastructure deals.
- Finvero (formerly Bom Pra Crédito): Brazilian credit marketplace and embedded lending player for consumer credit distribution, with partial overlap to MOVA's P2P and CaaS offerings around loan origination and investor matching.
Broad incumbents
- Inter & Co: Large Brazilian digital bank offering a broad suite of credit products, payments, and commerce services; potentially both a customer and competitor in the embedded-credit space where MOVA plays via CaaS.
- Nubank: Latin America's largest digital bank with proprietary credit, card, and personal-loan products built on its own platform, representing both a potential CaaS-style integrator and an incumbent alternative to MOVA-partnered offerings.
Direct peers
- Geru: Brazilian online consumer lending platform that has historically operated adjacent P2P / marketplace lending models in Brazil, competing for similar borrowers and investors as MOVA's P2P product.
- Capta: Brazilian fintech offering embedded credit and payment infrastructure for businesses, with white-label APIs comparable to MOVA's CaaS platform and overlapping enterprise customer base in retail and digital commerce.
- QI Tech: Brazilian embedded finance and credit infrastructure platform that enables companies to launch credit, banking, and payment products via API, directly competing with MOVA's CaaS model in the same Brazilian market.
- Nexoos: Brazilian peer-to-peer lending platform connecting SMEs to individual and institutional investors, operating in the same regulatory and market environment as MOVA's P2P platform for direct lending intermediation.
- Pomelo: Latin American embedded finance / Banking-as-a-Service platform offering card issuance, credit, and account infrastructure across multiple LatAm countries, directly comparable to MOVA's CaaS positioning and target enterprise customers.
- Just (Banco Just): Brazilian digital bank and credit marketplace that intermediates loans between borrowers and investors, directly comparable to MOVA's P2P lending and credit intermediation model in the Brazilian market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
MOVA social profiles
Digital presenceMOVA compliance and trust
Trust signalCompliance2 records
MOVA financial estimates
Financial estimateRevenue estimate
Valuation estimate
MOVA leadership team
Management profileNumber of profiles
MOVA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MOVA 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 MOVA
What does MOVA do?
MOVA operates a Credit as a Service (CaaS) platform that enables enterprises to build, brand, and operate custom digital credit products without becoming a financial institution, offered via white-label deployment or API integration. It also runs a peer-to-peer lending platform directly connecting individual borrowers with investors for consumer financing and investment products, bypassing traditional banking intermediation. Both lines operate under MOVA's status as the first SEP (Sociedade de Empréstimo entre Pessoas) authorized by Banco Central do Brasil under CMN Resolution 5.050/22.
Is MOVA a public or private company?
MOVA is a private company. It is classified as corporate owned and is currently operating.
When was MOVA founded?
MOVA was founded in 2019. It employs 101 to 250 people.
Where is MOVA based?
MOVA is headquartered in Vila Olímpia, Brazil, in the Latin America region.
How does MOVA make money?
Three revenue lines are on record. Credit as a Service Platform Fees are the primary driver. The others are P2P Lending Intermediation and CCB and Credit Certificate Issuance.
Who are MOVA's main competitors?
Emerging players on record are Pismo and Finvero (formerly Bom Pra Crédito). Broad incumbents are Inter & Co and Nubank. Direct peers are Geru, Capta, QI Tech, Nexoos, Pomelo and Just (Banco Just).
Does MOVA have an API?
Yes. MOVA offers APIs for integration with their Credit as a Service platform. The developer portal is available at dev.mova.vc. Specific API types, auth methods, and rate limits are not detailed in the available source material. Developer documentation is at dev.mova.vc.
What industry is MOVA in?
MOVA's product category is Credit Infrastructure as a Service. Its primary akta.pro industry code is FSAGALAA, BaaS Platforms & Sponsor Bank Enablement. Its NAICS code is 52222 and its SIC code is 6199.