What Finnet does

Finnet is a São Paulo-based financial technology company incorporated as FINNET S/A in Brazil, founded in 2003 and operating for over two decades in the corporate financial automation market. The company builds software that centralises and automates corporate treasury, collections, supplier finance and bank connectivity for large Brazilian enterprises, and provides white-label connectivity and infrastructure solutions to banks. Its core platform combines multibank/multi-CNPJ Internet Banking (Bankmanager), a supplier management and receivables anticipation portal (Painel Fornecedor), a digital collections product with PIX-integrated boletos (LunaPay), a 20+-year-old EDI service using RPA, a CNAB-to-API translation layer, and direct participation in Brazil's Open Finance infrastructure as an ITP (Payment Transaction Initiator) certified by Banco Central. Underlying technology includes RPA, API integration, Open Finance rails and an information security management system aligned to ISO 27001:2013.

The product portfolio was extended in 2026 with FinnetAgentic, an agentic AI platform positioned as the first foundation of AI agents for corporate finance, and the company holds two wholly-owned operating subsidiaries — Conciliadora Finnet (card reconciliation) and Dootax (corporate tax compliance) — added to the holding structure since 2016. Finnet sells through three concurrent motions: direct enterprise field sales with scheduled demonstrations, a four-tier channel partner program (Finder Fee, Silver, Gold, Hub), and white-label/Bureau de Serviços distribution to banks. Customers include Hospital Albert Einstein, Rodobens, Cacau Show, Pague Menos, SBT, Copagaz, Multilaser, Petz, 3 Corações and Hamilton Lane, and the platform reports daily connections to 120+ financial institutions across an ecosystem of 3 million+ interlinked company CNPJs.

Revenue is generated through recurring software subscriptions (tiered Gold and Platinum support levels), white-label/licensing fees from banks for embedded solutions, and channel partner revenue share. The company is privately held with no disclosed outside funding rounds, has not filed for an IPO, and has an operational footprint limited to Brazil. Recognitions include a 2024 CDP Silver Seal and continued CDP membership since 2008, alongside ISO 27001:2013-aligned security practices that support procurement requirements of large enterprise and bank buyers.

Name

Finnet

Legal name

FINNET S/A

Website

https://finnet.com.br

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

251–500 employees

Short description

Finnet is a Brazilian financial technology company founded in 2003 that provides AI-augmented treasury, collections, supplier finance and Open Finance connectivity software to large Brazilian corporations and banks, distributed via direct sales, a tiered channel partner program and white-label bank deployments.

Ownership category

akta.pro rank

Product category

Corporate Finance Software

NAICS

Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Corporate finance software
• Open finance connectivity
• Financial EDI automation
• Multibank treasury management
• Accounts payable automation

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software/Subscription Services: Finnet generates revenue through subscription-based access to its financial management platforms including Bankmanager (multibank internet banking), Painel Fornecedor (supplier panel), Luna/LunaPay (collection solutions), and EDI/API connectivity services. Pricing appears to be tiered (Gold, Platinum support levels) with monthly or annual billing cycles.
2. Channel Partner Revenue Share: Partners in the Finnet channel program earn revenue through referral fees, recurring monthly income (SaaS-like model), and increased portfolio offerings. The Finder Fee model provides commission for referrals, while Hub partners operate with their own billing and commercial autonomy.
3. White Label/Banking Solutions: Finnet provides white label solutions to banks, enabling financial institutions to offer Finnet's technology under their own brand. This creates revenue through licensing and customization fees for the bank's technology infrastructure needs.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels9 records

Core offering

Finnet produces a portfolio of interconnected corporate-finance software products that automate accounts payable/receivable, multibank treasury, collections, supplier-chain financing, and Open Finance connectivity for Brazilian enterprises and banks. Flagship offerings include Bankmanager (multibank/multicompany internet banking), Painel Fornecedor (supplier panel with receivables anticipation), LunaPay (digital collections with PIX-integrated bank slips), EDI Financeiro (RPA-based electronic data interchange), APIs de Integração, Open Finance Finnet (ITP certified), and the FinnetAgentic AI platform. The company also white-labels the stack for banks and sells it via a four-tier channel partner program.

Product overview

Finnet operates as a financial technology platform offering a portfolio of interconnected products organized around four core solution pillars: Credit (Painel Fornecedor, Duplicata Escritural), Accounts Payable/Treasury (Bankmanager), Collections (LunaPay/Luna), and Financial Connectivity (EDI Financeiro, APIs de Integração, Open Finance Finnet). The platform also includes white-label solutions for banks (Soluções para Bancos), an AI agentic layer (FinnetAgentic), and two holding subsidiaries (Conciliadora for card reconciliation and Dootax for tax compliance). All products are designed to interconnect, with Open Finance serving as the connectivity backbone across 120+ financial institutions and 3M+ enterprise CNPJs in the ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• Bankmanager: Internet Banking multibanco e multiempresa for payment management, bank statement consolidation, and financial reconciliation.
• Painel Fornecedor
• LunaPay
• Finnet Agentic
• EDI Financeiro

Products and services

• Bankmanager A multi-bank and multi-company Internet Banking platform that automates corporate financial management, offering payment processing, consolidated bank statements, bank reconciliation, and comprehensive financial reporting for finance teams.
• Painel Fornecedor A supplier panel providing real-time proof-of-payment and invoice visualization, supplier risk scoring, receivables anticipation (Risco Sacado), and a marketplace of financial institutions to optimize cash flow for enterprises with large supplier bases.
• LunaPay An intelligent digital collection solution that reduces default rates through PIX-integrated bank slips, automated interest and penalty recalculation, real-time payment status tracking, and QR code-enabled bank slip registration via bank API integration.
• EDI Financeiro A financial Electronic Data Interchange (EDI) solution with over 20 years in the market that ensures agility and security in file traffic between enterprises and financial institutions, using RPA for process automation and standardized document layouts (CNAB).
• APIs de Integração Custom APIs for complete financial data automation supporting CNAB-to-API conversion, API-to-C NAB conversion, and full API-to-API processes, serving as a hub for centralizing and standardizing file traffic across multiple banks under the Open Finance model.
• Open Finance Finnet An Open Finance connectivity platform and ITP (Payment Transaction Initiator) connecting 120+ financial institutions, enabling balance and statement queries, cash/credit/investment offers, Risco Sacado opportunities, and PIX payment initiation through direct BACEN directory integration.
• FinnetAgentic An AI agentic platform positioned as the first foundation of AI agents for corporate finance, designed to simplify accounts payable and receivable via innovative and secure enterprise Open Finance solutions.
• Soluções para Bancos (Bureau de Serviços) White-label technology partnership and service bureau solutions for banks, providing EDI connectivity, custom process development, bank-standard ODETTE-FTP security, and white-label deployment of Bankmanager, LunaPay and Painel Fornecedor under the bank's brand.

Quantifiable outcome

• 53% reduction in bureaucratic and operational activities in the financial department
• +3 more outcomes

Named customers22 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• IBDN (Instituto Brasileiro de Defesa da Natureza)coreOthers · 1 January 2017Annual partnership since 2017 for environmental conservation. Finnet supports IBDN's mission through tree planting initiatives in areas of São Paulo state as part of the Sou Eco social responsibility program. The partnership contributes to biodiversity preservation and sustainable development.
• Banco Central do BrasilcoreTechnology or IntegrationFinnet is the only connectivity company with direct participation in Open Finance Brasil at BACEN. As an ITP (Payment Transaction Initiator) certified by Banco Central, Finnet connects directly via API to the BACEN directory, enabling payment initiation and Open Finance services.
• Lar de MariaminorOthersCharitable organization supported through Finnet's Open Finance donation feature. Users can make donations via the Open Finance initiation flow as part of social impact initiatives.
• AnoscarminorOthersCharitable organization supported through Finnet's Open Finance donation feature. Users can make donations via the Open Finance initiation flow as part of social impact initiatives.
• Bandeira Científica (Universidade de São Paulo)coreOthersAnnual support for the Bandeira Científica project, a USP initiative that brings health and sustainability to selected municipalities. Finnet's Sou Eco program supports by computerizing the process of filling out medical intake forms, speeding up the start of medical care and facilitating data management.
• Global ERP SystemscoreTechnology or IntegrationFinnet is integrated with major global ERP systems. This integration partnership enables seamless connectivity between Finnet's financial solutions (EDI, APIs, cash management) and enterprise ERP platforms, facilitating automated financial processes for mutual customers.

Scale indicators10 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• TOTVS: Largest Brazilian enterprise software company with ERP, financial management, and fintech (TOTVS Techfin) modules. Comparable as a broad incumbent serving corporate finance, banking, and treasury automation across Brazil, though far larger and more diversified than Finnet.
• B3: Brazilian stock exchange and financial market infrastructure operator providing trading, custody, and post-trade services. Comparable as a broad financial market incumbent with connectivity and data assets relevant to Finnet's corporate finance ecosystem.

Direct peers

• Belvo: Latin American Open Finance API platform enabling bank account connectivity, payment initiation, and financial data enrichment. Comparable to Finnet in its ITP/connectivity positioning and cross-border footprint across Brazil and Mexico.
• Omie: Brazilian cloud ERP and fintech platform offering financial management, banking integration, and treasury tools to SMBs and mid-market. Overlaps with Finnet's Bankmanager and Painel Fornecedor in automating corporate financial workflows in Brazil.
• Conta Azul: Brazilian SaaS platform for SMB financial management, bookkeeping, and banking integration. Comparable to Finnet in serving Brazilian companies with multi-bank financial automation, though focused more on SMBs than large corporates.
• Pluggy: Brazilian Open Finance connectivity platform offering APIs to aggregate bank data, initiate payments, and access credit information. Directly comparable to Finnet's Open Finance Finnet and API integration products targeting the same Brazilian corporates and fintech developers.

Emerging players

• Hash: Brazilian Open Finance and banking-as-a-service infrastructure provider for fintechs and corporates. Comparable to Finnet's connectivity, ITP, and bank aggregation offerings within the same Brazilian Open Finance ecosystem.
• Sensedia: Brazilian API management and integration platform serving enterprise clients with connectivity, microservices, and hybrid integration. Comparable to Finnet's API de Integração and EDI-to-API translation capabilities for Brazilian enterprises.
• QI Tech: Brazilian banking-as-a-service and embedded finance infrastructure serving fintechs and corporates with account opening, payments, and credit rails. Comparable to Finnet in providing API-driven banking connectivity in Brazil, though more focused on BaaS than corporate treasury.

Regional players

• Pomelo: Latin American fintech infrastructure platform offering card issuing, banking, and credit APIs across multiple countries. Comparable to Finnet as regional fintech infrastructure, though with a broader geographic footprint and different product focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/FinnetBrasil
• Facebookfacebook.com/finnetbrasil
• LinkedInlinkedin.com/company/finnet-
• Instagraminstagram.com/Finnetbrasil

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 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 Finnet