MOVA

Credit Infrastructure as a Servicemova.vc

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

Credit as a service
Peer-to-peer lending
White-label credit platform
Embedded credit infrastructure
Lending technology

Where MOVA is headquartered

Location

Headquarters

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 offering

Core 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 profile

Named customers5 records

Segments3 records

Ideal customer profiles3 records

MOVA technology and API

Technology

Technology 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 signal

Partnerships

Two partnerships are on record, tiered core and flagship.

Serasa ExperiancoreStrategic or Co-development PartnerMOVA 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 BancoflagshipStrategic or Co-development PartnerUnion 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 assessment

Emerging 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 compliance and trust

Trust signal

Compliance2 records

MOVA financial estimates

Financial estimate

Revenue estimate

Valuation estimate

MOVA leadership team

Management profile

Number of profiles

MOVA funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

MOVA M&A and investment

M&A and investment

M&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?

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.