Yubb
Yubb is a free Brazilian investment comparison and discovery engine that aggregates more than 5,000 products from 450+ financial institutions with daily price updates, serving individual retail investors who are redirected to partner brokerages for execution. Revenue derives from affiliate referral fees and paid investment courses.
- Company typePrivate
- Founded2014
- HeadquartersSão Paulo, Brazil
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
What Yubb does
Yubb Serviços Financeiros e Tecnologia de Internet LTDA (trading as 'Yubb') is a São Paulo-based fintech that operates a free, web-based investment comparison and discovery engine for Brazilian retail investors. The platform aggregates data from 450+ investment companies covering more than 5,000 investment products — including CDBs, LCIs, LCAs, Tesouro Direto, debentures and other fixed-income vehicles — with daily price and availability updates, and exposes multi-criteria filtering (issuer, indexer, taxation, liquidity, FGC guarantee, minimum amount, term). Users input an investment amount and horizon to receive ranked options with expected returns, and are then redirected to partner brokerages or banks (XP, BTG Pactual, Guide, Nu Invest, Órama, Ágora, Pine Online and others) to execute the transaction; Yubb itself does not custody funds and does not charge users.
The product surface is complemented by a suite of financial calculators (millionaire, monthly simulator, savings yield, FGTS, returns), 80+ educational articles, the YUBB4 podcast (63+ episodes) and a courses platform (free + paid, distributed via Hotmart) anchored by founder Bernardo Pascowitch. The GTM is entirely product-led and community-led: free self-serve access, organic content/SEO via calculators, founder-driven social media, and earned media in major Brazilian outlets (Exame, Estadão, Globo, Folha, Valor, StartSe, PEGN). Revenue is generated via two streams: (i) affiliate/referral fees paid by investment companies for redirected users, and (ii) paid course sales, with the platform explicitly free at the user level.
The company was accepted into Y Combinator's Startup School (2017), received support from BrazilLAB, Grão and Google for Startups, and reportedly closed a 'million-real' funding round in 2018 from undisclosed investors; in 2021 it became the first Brazilian startup to invest its corporate treasury in Bitcoin. Current headcount is reported at 1-10 employees, no new priced round has been disclosed since 2020, and revenue is not publicly reported.
Yubb firmographics
Firmographics- Name
- Yubb
- Legal name
- Yubb Serviços Financeiros e Tecnologia de Internet LTDA
- Website
- https://yubb.com.br
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Yubb is a free Brazilian investment comparison and discovery engine that aggregates more than 5,000 products from 450+ financial institutions with daily price updates, serving individual retail investors who are redirected to partner brokerages for execution. Revenue derives from affiliate referral fees and paid investment courses.
- Ownership category
- akta.pro rank
Where Yubb is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Markets served
Yubb business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations
Revenue model
- Affiliate/Referral Fees from Investment Companies: Yubb redirects users to partner investment companies (corretoras and bancos) when users click 'Investir agora' (Invest now). The company earns referral/affiliate fees from these partner companies for each user redirected. The platform explicitly states it does not charge users any fees and the rates shown are identical to those at the investment companies directly.
- Course Sales: Yubb offers paid investment courses through its platform at cursos.yubb.com.br, including paid courses like 'Reserva de emergência: montar e investir' and 'Revolução Cripto' by Bernardo Pascowitch. Revenue comes from course sales through Hotmart integration.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free platform access for all users |
| Freemium | Pay-as-you-go | Free investment courses |
| Subscription | One time/ perpetual license | Paid investment courses |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels9 records
Yubb product offering
Product offeringCore offering
Yubb operates a free, web-based investment search and comparison engine that aggregates more than 5,000 fixed-income and related investment products (CDB, LCI, LCA, Tesouro Direto, debentures, RDB, LC, LF, and others) from over 450 Brazilian financial institutions, updating prices daily. Users input an investment amount and term, then filter and rank products by expected return, issuer, guarantee, liquidity, taxation, indexer, and risk; clicking an offer redirects the user to the partner bank or brokerage to execute the investment. Yubb does not handle client money, does not charge commissions to users, and earns referral fees from partner institutions, supplemented by paid investment courses.
Product overview
Yubb is a free investment comparison platform that serves as a search engine for finding and comparing the best investments in Brazil. The core product is the investment search platform that aggregates over 5,000 investments from 450+ investment companies, updated daily. The platform is complemented by educational tools including a calculators suite (Million Calculator, Monthly Investment Simulator, Savings Yield Calculator, FGTS Calculator, Returns Calculator), investment courses covering topics from beginner basics to cryptocurrency, the YUBB4 podcast series, and educational articles on investment concepts.
Differentiator
Problem solved
Functional benefit
Products and services
- Yubb Investment Search Platform Free web-based investment comparison engine that aggregates and ranks more than 5,000 fixed-income and related products from 450+ Brazilian financial institutions, with daily price updates and filtering by amount, term, issuer, guarantee, liquidity, taxation, indexer, risk, and product type. Designed for individual Brazilian investors, who are redirected to the issuing bank or brokerage to execute the investment.
- Yubb Investment Courses Paid investment courses available via cursos.yubb.com.br, sold through Hotmart, covering topics such as building an emergency reserve ('Reserva de emergência: montar e investir') and cryptocurrency investing ('Revolução Cripto' by Bernardo Pascowitch), in addition to a catalogue of free introductory courses. Targeted at individual Brazilian investors seeking structured education.
Quantifiable outcome
- Users can compare over 5,000 investments from 450+ companies
- +1 more outcomes
Companies that use Yubb
Customer profileNamed customers6 records
Segments1 record
Ideal customer profiles1 record
Yubb technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Yubb partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered minor and core.
- QuantfuryminorYubb partners with Quantfury for a promotional campaign offering up to R$ 1,250 for opening an account at Quantfury, where users can buy bitcoin and cryptocurrencies with zero fees. Yubb earns a referral fee for each user redirected to Quantfury.
- XP InvestimentoscoreXP Investimentos is one of the primary investment distribution partners on Yubb's platform. Multiple CDBs and LCAs are distributed through XP Investimentos as shown in the investment search results. Yubb redirects users to XP for account opening and investment execution, earning affiliate fees.
- Guide InvestimentoscoreGuide Investimentos is a major distributor partner appearing prominently in Yubb's CDB search results. Users are redirected to Guide to execute investments, with Yubb earning referral fees for each redirected user.
- Nu InvestcoreNu Invest (digital bank platform) is featured as a distributor for multiple CDB products on Yubb's platform, including BS2 112% CDI and BTG Pactual 90% CDI products.
- BTG PactualcoreBTG Pactual (largest investment bank in Latin America) distributes investment products through Yubb's platform, including BTG Pactual LCAs and BTG Pactual CDBs. Users are redirected to BTG Pactual's platform for account opening and investment execution.
- ÓramacoreÓrama appears as a distributor for BS2 CDBs and Topázio CDBs on the Yubb platform. Yubb redirects users to Órama for investment execution.
- Ágora InvestimentoscoreÁgora Investimentos distributes investment products through Yubb, including China Construction Bank LCA, Banco Inter LCI prefixado, and BV prefixado LCA products.
- Pine OnlinecorePine Online distributes Pine-prefixed CDBs through the Yubb platform, with products like Pine 110% CDI and Pine Prefixado 15.45% featured in search results.
- 450+ Investment Companies (Banks, Brokerages, Financial Institutions)coreYubb aggregates investment products from 450+ investment companies including banks (Banco Inter, BTG Pactual, Bradesco, Bancoob, PagBank), brokerages (XP Investimentos, Guide, Nu Invest, BTG), and financial institutions. Each company provides product data and pays affiliate fees for user referrals.
- Bernardo Pascowitch (Founder/Influencer)coreFounder Bernardo Pascowitch operates as a personal finance influencer on Instagram (@bernardopascowitch) and as a cryptocurrency course creator ('Revolução Cripto'). His personal brand and following drive significant organic traffic and user acquisition to the Yubb platform.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Yubb competitors and assessment
Company assessmentDirect peers
- Mais Retorno: Brazilian investment comparison and education platform that aggregates funds, fixed income, and other products for retail investors. Direct domestic competitor to Yubb with similar search/comparison functionality and target audience.
- Kinvo: Brazilian investment portfolio tracker and comparison app that consolidates holdings across brokerages and offers product research. Comparable to Yubb in addressing Brazilian retail investors seeking cross-broker visibility and product discovery.
- Gorila Investimentos: Brazilian fintech focused on investment portfolio aggregation, comparison, and analysis for retail investors. Comparable product overlap with Yubb around cross-broker product discovery and investor education.
- Finder.com: Global financial product comparison platform covering banking, credit, and investments across multiple geographies. Operates the same aggregator-plus-affiliate business model as Yubb but at global scale and primarily in developed English-speaking markets.
Regional players
- MoneyController: Investment comparison and research platform serving European retail investors with product search, ratings, and educational tools. Functionally analogous to Yubb but operating in different (European) geographies.
Broad incumbents
- NerdWallet: US-listed financial product comparison platform offering credit cards, banking, loans, and investment product comparisons via an affiliate-driven model. Closest scaled analog to Yubb's aggregator-and-referral business model in a developed retail market.
- Bankrate: Long-standing US financial product comparison and rate-aggregation site covering deposits, mortgages, credit cards, and investments. Comparable aggregator-referral business model and audience overlap with Yubb's retail investor comparison proposition.
Emerging players
- Magnetis: Brazilian digital wealth manager and robo-advisor offering portfolio construction and product comparison for retail investors. Overlaps with Yubb in helping Brazilian retail investors select investment products, but adds discretionary management.
- Warren Investimentos: Brazilian retail investment platform combining brokerage, fixed income marketplace, and educational content. Comparable audience and product-discovery use case, though Warren is vertically integrated where Yubb remains a pure aggregator.
Others
- Buscapé: Brazilian price comparison and lead-generation platform historically referenced by Yubb's own positioning as the 'Buscapé de investimentos.' Comparable aggregator-affiliate model and Brazilian consumer audience, though focused on e-commerce rather than financial products.
Market position
Strengths3 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Yubb social profiles
Digital presenceYubb financial estimates
Financial estimateRevenue estimate
Valuation estimate
Yubb leadership team
Management profileNumber of profiles
Profiles1 record
Yubb funding detail
Funding detailFunding overview
Funding rounds3 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Yubb 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 Yubb
What does Yubb do?
Yubb operates a free, web-based investment search and comparison engine that aggregates more than 5,000 fixed-income and related investment products (CDB, LCI, LCA, Tesouro Direto, debentures, RDB, LC, LF, and others) from over 450 Brazilian financial institutions, updating prices daily. Users input an investment amount and term, then filter and rank products by expected return, issuer, guarantee, liquidity, taxation, indexer, and risk; clicking an offer redirects the user to the partner bank or brokerage to execute the investment. Yubb does not handle client money, does not charge commissions to users, and earns referral fees from partner institutions, supplemented by paid investment courses.
Is Yubb a public or private company?
Yubb is a private company. It is classified as venture growth investor backed and is currently operating.
When was Yubb founded?
Yubb was founded in 2014. It employs 1 to 10 people.
Where is Yubb based?
Yubb is headquartered in São Paulo, Brazil, in the Latin America region.
How does Yubb make money?
Two revenue lines are on record. Affiliate/Referral Fees from Investment Companies are the primary driver. The others are course Sales.
Who are Yubb's main competitors?
Direct peers on record are Mais Retorno, Kinvo, Gorila Investimentos and Finder.com. MoneyController is listed as a regional player. Broad incumbents are NerdWallet and Bankrate. Emerging players are Magnetis and Warren Investimentos. Buscapé is listed as an others.
Does Yubb have an API?
No public API is recorded for Yubb.