CONVEM

Banking-as-a-Service / Fintech Infrastructureconvem.io

CONVEM is a Brazilian B2B fintech infrastructure provider that builds whitelabel payment, banking, and credit solutions for fintechs and financial institutions, with Central Bank-compliant platforms hosted on AWS.

Company typePrivate
Founded2016
HeadquartersRio De Janeiro, Brazil
Headcount11–50
GTM typeB2B
OfferingSoftware

What CONVEM does

CONVEM is a private Brazilian B2B fintech infrastructure provider, founded in 2016 and headquartered in Rio de Janeiro, that builds modular, pre-built fintech solutions for other fintechs and financial institutions. Its product portfolio consists of three integrated offerings: Convem Fire (a payment operations platform supporting PIX instant payments, KYC verification, cryptocurrency exchange, and FX transactions with Central Bank compliance), a whitelabel Banking App (deployable in weeks with full brand customization), and a Credit marketplace product (distributed via API-first integration or co-branding). The platform is hosted on Amazon AWS and is homologated by partner banks to meet Brazilian Central Bank regulatory requirements.

CONVEM firmographics

Firmographics

Name: CONVEM
Legal name: CONVEM
Website: https://convem.io
Company type: Private
Founded year: 2016
Operating status: Operating
Headcount range: 11–50 employees
Short description: CONVEM is a Brazilian B2B fintech infrastructure provider that builds whitelabel payment, banking, and credit solutions for fintechs and financial institutions, with Central Bank-compliant platforms hosted on AWS.
Ownership category
akta.pro rank

CONVEM industry classification

Industry

Product category: Banking-as-a-Service / Fintech Infrastructure
NAICS: Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Software Publishers (513210)
SIC: Finance Services (6199), Services-Prepackaged Software (7372)
akta.pro primary industry: Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)
akta.pro secondary industries: SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI), Card Issuing & Program Management Platforms (BPAMAFAH)

Keywords

Fintech infrastructure platform
Payment operations software
White-label banking
Credit marketplace API
Banking compliance solutions

Where CONVEM is headquartered

Location

Headquarters

HQ city: Rio De Janeiro
HQ country: Brazil
HQ region: Latin America

Offices1 record

Markets served

CONVEM business model

Business model

GTM type: B2B
Offering type: Software
Cost components: Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales

Revenue model

Platform/SaaS Licensing: Revenue from whitelabel platform solutions allowing clients to operate under their own brand. Handles back-office and bureaucracy while clients focus on core business.
API/Integration Fees: Credit Marketplace API integration services generating revenue through API access and usage.
Customized Development: Tailored fintech solutions and guidance provided by expert team for specific client needs.
Transaction Processing: Payment processing infrastructure for PIX, cryptocurrency, and FX transactions with multi-bank integration.

Pricing tiers

Model	Billing	Price
Subscription	Multi-year contract	Custom enterprise pricing based on client requirements

Go-to-market motion3 records

Distribution channels3 records

Marketing channels2 records

CONVEM product offering

Product offering

Core offering

CONVEM builds and licenses pre-built, customizable fintech infrastructure products to other fintechs, banks, and enterprises. Its core offerings are three AWS-hosted software platforms — Convem Fire (payment operations with PIX, KYC, reconciliation, crypto and FX), Banking App (whitelabel mobile banking), and Credit (credit marketplace API) — supplemented by customized development services that accelerate time-to-market and embed Central Bank of Brazil compliance out of the box.

Product overview

CONVEM is a B2B fintech infrastructure provider offering three integrated solutions to accelerate fintech deliveries: Convem Fire (payments operations platform), Banking App (whitelabel mobile banking), and Credit (credit marketplace). These products share a common architecture of pre-built, customizable, whitelabel solutions with API-first integration, enabling clients to launch fintech operations quickly with built-in Central Bank compliance, KYC verification, and AWS-hosted cloud infrastructure.

Differentiator

Problem solved

Functional benefit

Brands

Convem Fire: Payment operations platform offering local payment integration (PIX), Central Bank compliance, back-office activities, and customization capabilities. Includes features for banking operations, KYC verification, payment facilitation, and cryptocurrency exchange.

Products and services

Convem Fire Comprehensive payment operations platform that enables fast launch of payment operations with local payment integration (PIX), Central Bank compliance, and fully customizable back-office infrastructure including KYC, billing, and reconciliation tools. Built for fintechs, banks, and enterprises needing compliant, scalable payment operations.
Banking App Whitelabel banking application solution available in days, featuring onboarding, KYC verification, credit access, bill payments, PIX transfers, and transaction tracking with full brand customization (colors, logo) for clients wanting to launch a branded banking experience.
Credit Credit marketplace solution enabling launch via API integration or co-branding, connecting clients with leading banks and financial institutions to offer borrowers optimal loan options. Hosted on AWS infrastructure with branded API endpoints for partner integration.

Quantifiable outcome

Banking app deployment in weeks vs months
+3 more outcomes

Companies that use CONVEM

Customer profile

Named customers4 records

Segments3 records

Ideal customer profiles3 records

CONVEM technology and API

Technology

Technology focussed Yes

API detail

Has API: Yes
API docs
API detail

Core technology

AI maturity

App detail

Feature8 records

CONVEM partnerships and signals

Strategic signal

Partnerships

Two partnerships are on record, tiered core and infrastructure.

Leading Banks and Financial InstitutionscoreStrategic or Co-development PartnerCONVEM establishes strategic partnerships with leading banks and financial institutions to ensure credit marketplace clients have access to the best loan options available on the market. These partnerships enable the Credit product to connect borrowers with optimal lending solutions.
Amazon Web Services (AWS)infrastructureOthersCredit platform and services hosted on Amazon AWS cloud infrastructure, one of the most reliable and secure cloud service providers, ensuring services are always available with best performance and security.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

CONVEM competitors and assessment

Company assessment

Direct peers

Belvo: LATAM-focused open banking and financial data API platform enabling fintechs to access bank account data and initiate payments. Directly comparable to CONVEM as a B2B fintech infrastructure provider serving LATAM fintechs with API-first distribution and bank connectivity.
Unit.co: US-based embedded banking and fintech infrastructure platform enabling companies to embed financial products via API. Comparable to CONVEM's API-first distribution model and Banking App whitelabel approach, though focused on the US market.
Pomelo: LATAM fintech-as-a-service platform offering card issuing, banking, and payment infrastructure for fintechs and banks. Highly comparable to CONVEM's Banking App and Fire products serving the same LATAM fintech customer base with whitelabel/embedded distribution.
Pismo: Brazil-headquartered (acquired by Visa) cloud-native payment processing and banking core platform serving LATAM and global banks and fintechs. Directly comparable technology stack and customer overlap with CONVEM Fire and Banking App offerings.
Treasury Prime: US banking-as-a-service platform connecting fintechs with bank partners via API for account opening, payments, and compliance. Comparable technology and GTM model to CONVEM's Credit marketplace product leveraging strategic bank partnerships.
Dock: LATAM-focused card issuing and fintech infrastructure provider based in Brazil. Directly comparable to CONVEM's Banking App and Fire products, serving similar fintech customers with KYC, card programs, and payment processing.

Broad incumbents

Marqeta: Public card-issuing and payment processing platform serving fintechs and enterprises globally. Comparable to CONVEM's Banking App whitelabel offering as both enable fintechs to launch branded financial products via API infrastructure.
Galileo Financial Technologies: Large US-based fintech infrastructure platform (owned by SoFi) providing payment processing, card issuing, and banking-as-a-service APIs. Overlaps with CONVEM's payment and banking app capabilities but at much greater scale across a broader product portfolio.
Solaris SE: European banking-as-a-service and fintech infrastructure platform offering embedded finance APIs including payments, lending, and banking modules. Comparable modular platform architecture and fintech-on-fintech distribution model to CONVEM.

Regional players

BS2: Brazilian digital bank and B2B fintech infrastructure provider offering banking-as-a-service, payment processing, and credit solutions. Regional competitor to CONVEM with stronger brand recognition in the Brazilian market but overlapping product scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

CONVEM financial estimates

Financial estimate

Revenue estimate

Valuation estimate

CONVEM leadership team

Management profile

Number of profiles

CONVEM funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

CONVEM M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CONVEM

What does CONVEM do?

Is CONVEM a public or private company?

CONVEM is a private company. It is classified as unknown and is currently operating.

When was CONVEM founded?

CONVEM was founded in 2016. It employs 11 to 50 people.

Where is CONVEM based?

CONVEM is headquartered in Rio De Janeiro, Brazil, in the Latin America region.

How does CONVEM make money?

Four revenue lines are on record. Platform/SaaS Licensing is the primary driver. The others are API/Integration Fees, customized Development and transaction Processing.

Who are CONVEM's main competitors?

Direct peers on record are Belvo, Unit.co, Pomelo, Pismo, Treasury Prime and Dock. Broad incumbents are Marqeta, Galileo Financial Technologies and Solaris SE. BS2 is listed as a regional player.

Does CONVEM have an API?

Yes. CONVEM offers an API for credit marketplace integration and banking app integration. The API supports easy and flexible integration, allowing partners to connect efficiently. Integration endpoints use branded URLs (e.g., api.SUAMARCA.com for whitelabel solutions). The API is designed to be customized to meet specific needs and enables seamless connection with strategic banking and financial institution partners.

What industry is CONVEM in?

CONVEM's product category is Banking-as-a-Service / Fintech Infrastructure. Its primary akta.pro industry code is FSAGABAK, Cross-Border FX, Multi-Currency & Treasury for Payments, with a secondary code of FSAGAAAI, SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations). Its NAICS code is 522320 and its SIC code is 6199.