Quod

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

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

• Credit bureau services
• Credit risk analytics
• Fraud prevention solutions
• Debt collection services
• Positive credit registry

Headquarters

HQ city

Barueri

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. 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.
2. 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

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core 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

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Two partnerships are on record, tiered minor.

• Consumer Defense Agencies (CDC, PROCON, Consugov)minorOthersQuod 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)minorOthersInstitutional 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

Emerging 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

• Facebookfacebook.com/quodbrasil
• LinkedInlinkedin.com/company/quodbrasil
• Instagraminstagram.com/vocequod

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Quod