Quod
- Company typePrivate
- Founded2017
- HeadquartersBarueri, Brazil
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
Quod firmographics
Firmographics- Name
- Quod
- Legal name
- GESTORA DE INTELIGÊNCIA DE CRÉDITO S.A.
- Website
- https://quod.com.br
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Quod industry classification
Industry- Product category
- Credit Bureau Services
- NAICS
- Credit Bureaus (561450), Credit Bureaus (56145)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320), Finance Services (6199)
- akta.pro primary industry
- Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)
- akta.pro secondary industry
- Debt Management Plans (DMP) Administration (FSAEAFAB)
Keywords
Where Quod is headquartered
LocationHeadquarters
- HQ city
- Barueri
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Quod business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- B2B Data and Analytics Services: Quod generates revenue by providing data analytics solutions to businesses including credit analysis, fraud prevention, debt collection, and compliance services. Services are contracted through the Portal do Cliente with specific pricing established through contracts.
- Positive Credit Registry Services: Revenue from managing the Cadastro Positivo (Positive Credit Registry), providing credit scoring and historical payment data for credit evaluation purposes.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Contract-based pricing for enterprise clients |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
Quod product offering
Product offeringCore offering
Quod is a Brazilian datatech (legal name GESTORA DE INTELIGÊNCIA DE CRÉDITO S.A.) that operates a credit bureau and provides data analytics solutions for credit evaluation, fraud prevention, and debt collection. It manages the Cadastro Positivo (Positive Credit Registry) and offers contracted B2B services via the Portal do Cliente platform, plus self-service consumer platforms for credit history and debt inquiries. Founded by the five largest banks in Brazil.
Product overview
Quod is a Brazilian datatech (GESTORA DE INTELIGÊNCIA DE CRÉDITO S.A.) offering a multi-product portfolio that transforms data into intelligence for decision-making in credit, fraud, and debt collection. The company operates through three platforms: the Cadastro Positivo Platform (for consumer credit history consultation), the Pendências Financeiras Platform (for debt inquiry), and the Portal do Cliente (for business clients to consume solutions). The core product suite includes Credit Analysis Solutions (evaluating creditworthiness via payment history), Debt Collection and Recovery Solutions (featuring Collection Scoring models, Collection Personas, digital Acionamento de Cobrança, Default Communication tools, and the Debt Renegotiation Portal), Fraud Prevention and Identification Solutions, and Compliance solutions. The Cadastro Positivo serves as the foundational data source enabling fair credit analysis based on comprehensive payment behavior rather than defaults alone. Quod's shareholders include major Brazilian banks, providing market credibility and data scale.
Differentiator
Problem solved
Functional benefit
Products and services
- Análise de Crédito (Credit Analysis Solutions) Solutions enabling businesses to evaluate consumer creditworthiness using Cadastro Positivo (Positive Registry) data, including historical payment behavior and financial profiles, for B2B clients contracting via the Portal do Cliente.
- Cobrança e Recuperação de Dívidas Atrasadas (Debt Collection and Recovery) Solutions for managing and recovering overdue debts, leveraging Collection Scoring models, Collection Personas segmentation, and digital communication tools for debtor engagement, offered to B2B clients.
- Identificação e Prevenção à Fraude (Fraud Prevention and Identification) Solutions designed to identify and prevent fraudulent activities, protecting businesses from financial losses related to identity theft and transactional fraud, delivered to B2B clients.
- Compliance Solutions helping businesses meet regulatory requirements and maintain compliance with Brazilian financial and data protection regulations, including LGPD.
- Cadastro Positivo (Positive Credit Registry) Brazilian positive credit bureau system allowing credit evaluation based on complete consumer payment history (not just defaults), regulated by Lei nº 12.414/2011 and managed by Banco Central-authorized credit bureaus. Estimated to cover over 100 million people and companies.
- Portal do Cliente B2B client portal through which Quod's contracted customers consume contracted data solutions according to their service agreements. Access restricted via login and password.
- Plataforma de Consulta ao Cadastro Positivo Self-service platform enabling individual consumers to consult their own data in the Cadastro Positivo (Positive Registry) and review their credit history and payment behavior records.
- Plataforma de Consulta de Pendências Financeiras Self-service platform enabling individual consumers to check debts reported by creditors in inadimplente (defaulter) databases, following rules established by article 43 of Lei nº 8.078/1998 (Código de Defesa do Consumidor).
Quantifiable outcome
- 50% increase in debt recovery with digital activation
- +1 more outcomes
Companies that use Quod
Customer profileSegments3 records
Ideal customer profiles3 records
Quod technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Quod partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor.
- Consumer Defense Agencies (CDC, PROCON, Consugov)minorQuod maintains institutional partnerships with consumer defense organizations including CDC (Consumer Defense Code), PROCON, and Consugov, displaying their logos on the website footer as part of their consumer protection commitment.
- Tribunal de Justiça de São Paulo (TJSP)minorInstitutional Partner of the São Paulo Court of Justice (TJSP), with their partnership seal displayed on the Quod website.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Quod competitors and assessment
Company assessmentEmerging players
- idwall: Brazilian KYC, identity validation, and fraud prevention platform. Overlaps with Quod's fraud prevention offering, particularly for fintechs and digital lenders onboarding customers.
- ClearSale: Brazilian fraud prevention and anti-chargeback platform serving e-commerce and financial services. Comparable to Quod on the fraud prevention product line, though narrower in scope (no credit registry or collections).
- Konduto: Brazilian anti-fraud and identity verification company serving e-commerce and fintechs. Adjacent competitor to Quod's fraud prevention module, with overlap in B2B financial services clients.
Direct peers
- Serasa Experian: Brazil's largest credit bureau, providing consumer and business credit reports, scoring, and fraud prevention. Direct competitor to Quod across Cadastro Positivo data, credit analysis, and collections, with materially larger scale and incumbent bank relationships.
- Boa Vista SCPC: Brazilian credit bureau authorized by the Central Bank to operate the Cadastro Positivo. Competes with Quod on positive credit registry data, scoring models, and debtor database services for banks and retailers.
- TransUnion Brasil: Global credit information company with Brazilian operations delivering credit reporting, risk analytics, and fraud solutions. Comparable to Quod in target customers (banks, fintechs, retailers) and product categories.
- Equifax Brasil: Global credit bureau with Brazilian operations offering consumer credit reports, analytics, and fraud solutions. Direct overlap with Quod's credit analysis and fraud prevention offerings in Brazil.
Broad incumbents
- FICO: Global analytics and credit scoring provider serving banks and lenders. Comparable to Quod on the scoring/analytics layer, with much broader international reach but a less direct Brazil credit-bureau footprint.
- Experian Global: Global credit information and analytics giant, parent/affiliate of Serasa. Provides broad credit bureau, analytics, and marketing services; comparable as a parent-category incumbent even though Quod's Brazilian scale is more limited.
Regional players
- Ativos S.A. Brazilian credit management and debt recovery firm serving banks and large creditors. Comparable to Quod's debt collection and recovery line, though more focused on distressed asset acquisition and recovery services.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Quod social profiles
Digital presenceQuod compliance and trust
Trust signalCompliance1 record
Quod financial estimates
Financial estimateRevenue estimate
Valuation estimate
Quod leadership team
Management profileNumber of profiles
Profiles2 records
Quod funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Quod 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 Quod
What does Quod do?
Quod is a Brazilian datatech (legal name GESTORA DE INTELIGÊNCIA DE CRÉDITO S.A.) that operates a credit bureau and provides data analytics solutions for credit evaluation, fraud prevention, and debt collection. It manages the Cadastro Positivo (Positive Credit Registry) and offers contracted B2B services via the Portal do Cliente platform, plus self-service consumer platforms for credit history and debt inquiries. Founded by the five largest banks in Brazil.
Is Quod a public or private company?
Quod is a private company. It is classified as corporate owned and is currently operating.
When was Quod founded?
Quod was founded in 2017. It employs 51 to 100 people.
Where is Quod based?
Quod is headquartered in Barueri, Brazil, in the Latin America region.
How does Quod make money?
Two revenue lines are on record. B2B Data and Analytics Services are the primary driver. The others are positive Credit Registry Services.
Who are Quod's main competitors?
Emerging players on record are idwall, ClearSale and Konduto. Direct peers are Serasa Experian, Boa Vista SCPC, TransUnion Brasil and Equifax Brasil. Broad incumbents are FICO and Experian Global. Ativos S.A. is listed as a regional player.
Does Quod have an API?
No public API is recorded for Quod.
What industry is Quod in?
Quod's product category is Credit Bureau Services. Its primary akta.pro industry code is FSAKAJAH, Credit Counseling & Debt Management Plans (DMP), with a secondary code of FSAEAFAB, Debt Management Plans (DMP) Administration. Its NAICS code is 561450 and its SIC code is 7320.