What VIACREDI does

VIACREDI (Viacredi Cooperativa de Crédito), headquartered in Blumenau, Santa Catarina, is a Brazilian credit cooperative founded in 1951 and operating within the Sistema Ailos network of 14 affiliated cooperatives. It serves over 1.8 million cooperados (members) across 8 Brazilian states and 140+ cities through 355 physical service points, 550+ ATMs, and digital channels including the App Ailos mobile application, App Ailos Cartões, and Conta Online web platform. The cooperative provides a full-stack financial services portfolio for both individuals (Pessoa Física) and businesses (Pessoa Jurídica), spanning checking accounts (Conta Corrente Ailos), credit and mortgage products, Gold and Platinum Mastercard cards, the SIPAG merchant acquiring terminal, Pix instant payments, fixed-income investments including Poupança and RDC Rendimento Diário, private pensions (Previdência Privada with Proteção Familiar), insurance, consórcios, and currency exchange.

The underlying technology stack is built around digital banking interoperability rather than proprietary AI. Core integrations include Pix (Banco Central instant payments), Open Finance data sharing, a Cobrança Bancária API for automated boleto issuance and e-commerce settlement, OneTrust for LGPD privacy compliance, and Mastercard card network rails. The cooperative generates revenue primarily through interest income from credit operations, account and service package fees (Pacote de Relacionamento e Serviços), card interchange and merchant acquiring fees, investment product management, and insurance commissions, with surpluses redistributed to members via Juros ao Capital and cashback programs (R$470M returned in 2025 from a R$627.7M result).

Go-to-market is community-led and hybrid physical-digital: local business fairs (Feiras do Negócio Local), financial education platforms (PROGRID EAD, Semana ENEF, Ailos Educação), in-person branch service, plus App Ailos, WhatsApp, and SAC 0800 for service and acquisition. VIACREDI holds R$29.9 billion in total assets, employs approximately 4,500 collaborators, and continues geographic expansion from its Santa Catarina base into Paraná, with dedicated niche tracks for public sector entities and religious organizations.

Name

VIACREDI

Legal name

Viacredi Cooperativa de Crédito

Website

https://viacredi.coop.br

Company type

Private

Founded year

1951

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

VIACREDI is a Brazilian credit cooperative within the Sistema Ailos network serving 1.8 million individual, business, public sector, and religious organization members across 8 states, offering full-stack retail and SMB banking, credit, cards, payments, investments, and insurance through 355 branches plus digital channels.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (522130), Credit Unions (52213), Credit Card Issuing (522210), Sales Financing (522220)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Community Development Credit Unions (CDCUs) (FSABAEAC)

akta.pro secondary industry

Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

Keywords

• Credit union services
• Cooperative banking
• Consumer lending
• Member-owned banking
• Financial cooperative

Headquarters

HQ city

Blumenau

HQ country

Brazil

HQ region

Latin America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Credit Operations: The primary revenue stream comes from interest charged on loans, financing, and credit products offered to cooperados. As a cooperative, profits are distributed back to members through Juros ao Capital (Interest on Capital) and cashback programs.
2. Account and Service Fees: Fees from account maintenance, service packages (Pacote de Relacionamento e Serviços), and various banking transactions. Some services have reduced tariffs as part of membership benefits.
3. Card Operations: Revenue from credit and debit card transactions including interchange fees and merchant services (maquininha de cartão). The cooperative offers card products with varying benefits based on package tier.
4. Investment Products: Income from managing various investment products including savings accounts, fixed income investments, and pension plans (Previdência Privada).
5. Insurance and Protection Products: Revenue from insurance products offered to cooperados including life insurance, property insurance, and card protection services.

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels7 records

Core offering

Viacredi Cooperativa de Crédito is a Brazilian credit union operating as part of the Sistema Ailos network, offering a full suite of retail and small-business financial products and services including checking accounts (Conta Corrente Ailos), credit/debit cards, personal and mortgage loans, direct store financing (CDC), savings and fixed-income investments, private pensions, insurance, consórcios, Pix instant payments, merchant acquiring (SIPAG), currency exchange, and cobranças bancárias API. Members (cooperados) participate in the cooperative through capital quotas and receive profit-sharing via Juros ao Capital (interest on capital) and cashback. The cooperative distributes its results back to members and emphasizes community-based financial inclusion across 8 Brazilian states.

Product overview

VIACREDI is a credit cooperative within the Sistema Ailos network, operating as a comprehensive financial services platform offering a broad portfolio of products and services for both individuals (Pessoa Física) and businesses (Pessoa Jurídica). The core product suite centers on the Conta Corrente Ailos (checking account) with integrated digital access via App Ailos, App Ailos Cartões, and Conta Online. The product portfolio spans: (1) Credit products including personal loans, Crédito Imobiliário (mortgage), CDC Viacredi (direct store financing), Crédito Facilitado, and sustainable/sanitation credit lines; (2) Card products including Cartão Ailos (Gold/Platinum tiers) and SIPAG/Maquininha de Cartão (merchant acquiring); (3) Investment products including Poupança (savings), RDC Rendimento Diário (daily yield), Investimentos Financeiros (fixed income), and Cota Capital; (4) Insurance and protection including private pensions (Previdência Privada with Protection Familiar), Seguros, and Pacote de Relacionamento com Seguro de Movimentação Financeira; (5) Payment solutions including Pix, Pagamentos e Recebimentos, Cobrança Bancária/API de Boletos; (6) Community programs including Programa Valor Social and Ailos Educação/PROGRID EAD. All products leverage the cooperative model with result-sharing mechanisms where cooperados receive cashback (Retorno de Resultados) based on usage and participation.

Differentiator

Problem solved

Functional benefit

Brands

• Ailos: Digital banking platform and system brand for the cooperative network, including mobile apps (App Ailos, App Ailos Cartões) and online account services.
• Programa Valor Social
• RDC Rendimento Diário
• SANEAMAIS
• Feira do Negócio Local

Products and services

• Conta Corrente Ailos
• Cartão Ailos
• Crédito e Empréstimos
• Crédito Imobiliário
• Poupança Viacredi
• RDC Rendimento Diário Ailos
• Investimentos Financeiros
• Previdência Privada Ailos
• Seguros
• Consórcios
• Pix
• Pagamentos e Recebimentos
• SIPAG/Maquininha de Cartão
• Cobrança Bancária/API de Boletos
• Câmbio
• CDC Viacredi (Crédito Direto ao Cooperado)
• Open Finance
• Saneamais
• Linha Sustentável
• Pacote de Relacionamento e Serviços
• Flash Benefícios
• Programa Valor Social
• Ailos Educação
• PROGRID EAD
• Desenrola Ailos
• Promoção Ailos Coopere com a Sorte
• Crédito Facilitado COVID-19

Quantifiable outcome

• R$470 million returned to cooperados from R$627.7 million result in 2025 (74.9% distribution rate)
• +3 more outcomes

Named customers4 records

Segments4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Sistema AiloscoreOthersViacredi is part of Sistema Ailos, a system of 14 affiliated credit cooperatives serving 1.8+ million members across 8 Brazilian states. The system provides shared technology infrastructure, product development, brand, and operational support to member cooperatives while maintaining local autonomy.
• SENAIminorStrategic or Co-development PartnerSENAI participates as a partner in local business fairs and community events, offering professional qualification and educational services to attendees.
• Centro Universitário Católica de Santa CatarinaminorStrategic or Co-development PartnerEducational institution partner participating in local fairs and community events, showcasing academic programs and educational opportunities.

Scale indicators14 records

Recent moves12 records

Expansion highlights6 records

Direct peers

• Sicredi: Sicredi is Brazil's largest credit cooperative system, operating a similar member-owned cooperative banking model with shared central infrastructure and member result-sharing. Directly comparable to Viacredi's structure and product suite, but at significantly greater national scale.
• Sicoob: Sicoob is Brazil's second-largest credit cooperative system, with a similar network-of-cooperatives structure and member-owned governance model. Directly comparable to Viacredi/Ailos as a peer cooperative system serving individuals and businesses across Brazil.
• Unicred: Unicred is a Brazilian credit cooperative focused on healthcare professionals and broader professional segments, with similar cooperative banking products and member-benefit structures. Comparable to Viacredi as a cooperative banking peer with a more specialized membership base.
• Cresol: Cresol is a Brazilian cooperative banking system originally focused on agricultural cooperatives that has expanded to serve broader rural and small-business members. Comparable to Viacredi in cooperative structure, though Cresol's roots in agricultural credit differ.

Broad incumbents

• Banco Inter: Banco Inter is a Brazilian digital bank offering full-service retail and business banking through a super-app. Comparable to Viacredi as a competitor offering digital-first banking, accounts, credit, and investments — though as a for-profit listed entity.
• Banco do Brasil: Banco do Brasil is Brazil's largest state-owned commercial bank with nationwide branch and digital presence serving consumers, businesses, and rural/agricultural segments. A broad incumbent competitor to Viacredi, particularly on agricultural lending and nationwide reach.
• Nubank: Nubank is Brazil's largest digital bank with tens of millions of customers offering checking, credit cards, loans, and investments via a mobile-first experience. A broad incumbent competitor to Viacredi on digital banking UX and member acquisition, though without the cooperative ownership model.
• C6 Bank: C6 Bank is a Brazilian digital bank offering checking accounts, credit cards, investments, and business banking. Comparable to Viacredi on consumer banking product set and digital distribution model, though with different ownership and capital structure.
• Caixa Econômica Federal: Caixa is a major Brazilian state-owned bank with nationwide retail presence and significant social/welfare banking programs. Comparable to Viacredi on mission-driven banking and mass-market retail, though with vastly greater scale and government backing.
• Banco Bradesco: Bradesco is one of Brazil's largest private commercial banks with extensive branch and digital banking operations. Comparable to Viacredi as a competitor across consumer banking, credit, cards, insurance, and pensions — though with significantly larger scale and listed-equity capital base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/sistemaailos
• Instagraminstagram.com/viacredi
• Xx.com/viacredi
• Facebookfacebook.com/Viacredi
• LinkedInlinkedin.com/company/viacredi

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 VIACREDI