Bankly
Bankly is a Brazilian Banking as a Service platform regulated by the Banco Central do Brasil, offering 30+ financial APIs covering digital accounts, Pix, Mastercard card issuing, KYC, and credit. It serves banks, fintechs, retailers, acquirers, e-commerces, startups, and industries seeking embedded financial services.
- Company typePrivate
- Founded-
- HeadquartersSão Paulo, Brazil
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Bankly does
Bankly, operating legally as Acesso Soluções de Pagamento S.A., is a Brazilian Banking as a Service (BaaS) platform licensed as a payment institution by the Banco Central do Brasil under bank identifier 332. The company provides a cloud-native platform of more than 30 REST APIs that enable partner businesses to build and operate embedded financial products, including digital accounts for individuals and companies, Pix instant payments (as a direct Pix participant), Mastercard international card issuing (physical, virtual, and combo) with Apple Pay and Google Pay provisioning, TED transfers via Open Banking, boleto issuance and payment, bill payment, KYC verification for individuals and businesses, Open Finance APIs, credit management with pre-analysis and CRELIQ automated recovery, and incentive marketing campaign tooling. The platform includes a sandbox environment, webhook-based event architecture, mTLS authentication, TOTP security, and compliance with PCI DSS, LGPD, and GDPR.
Bankly's commercial model is hybrid: partners pay one-time setup fees (with mandatory inclusion of an anti-fraud product), a recurring monthly minimum API package, and usage-based fees when transaction volume exceeds the minimum. Commercial proposals are customized per project. The go-to-market combines enterprise field sales targeting banks, fintechs, acquirers, retailers, e-commerces, startups, and industries with inside sales and a self-service developer portal; average time-to-production for projects involving third-party account opening is approximately three months. Bankly is part of the Votorantim Financial Conglomerate, providing corporate backing within a larger Brazilian financial and industrial group. The company employs 101–250 staff and operates exclusively in Brazil, with no disclosed expansion into other geographies. Bankly has been operating for more than ten years and recently executed a corporate rebranding with a new visual identity.
Bankly firmographics
Firmographics- Name
- Bankly
- Legal name
- Acesso Soluções de Pagamento S.A.
- Website
- https://bankly.com.br
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Bankly is a Brazilian Banking as a Service platform regulated by the Banco Central do Brasil, offering 30+ financial APIs covering digital accounts, Pix, Mastercard card issuing, KYC, and credit. It serves banks, fintechs, retailers, acquirers, e-commerces, startups, and industries seeking embedded financial services.
- Ownership category
- akta.pro rank
Bankly industry classification
Industry- Product category
- Banking-as-a-Service Platform
- NAICS
- Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099), Finance Services (6199)
- akta.pro primary industry
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
- akta.pro secondary industries
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Reconciliation, Ledgering & Money Movement Ops (Sub-ledgers, Settlement, Reporting) (FSAGALAL)
Keywords
Where Bankly is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Bankly business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Setup/Project Fees: One-time setup fees for project implementation including mandatory products like anti-fraud solutions.
- Monthly Minimum API Package: Minimum monthly fee for transactional APIs. If the partner's transaction volume exceeds the minimum, additional usage-based charges apply.
- Usage-based API Fees: Transaction-based fees charged when partner usage exceeds the minimum monthly API package threshold.
- Banking Services: Revenue from financial services including account management, card operations, transfers (Pix, TED), and other transactional services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | One time/ perpetual license | Project setup with mandatory anti-fraud product |
| Hybrid | Monthly | Minimum monthly API package |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Bankly product offering
Product offeringCore offering
Bankly is a Banking as a Service (BaaS) platform that provides licensed financial infrastructure through more than 30 REST APIs, enabling businesses to embed digital accounts, card issuing, Pix payments, TED transfers, boleto issuance, bill payment, and KYC verification into their own products. Operating as Acesso Soluções de Pagamento S.A. (bank number 332), Bankly is a direct Pix participant and licensed payment institution under the Banco Central do Brasil, handling regulatory compliance while partners build their front-end customer experiences.
Product overview
Bankly is a Banking as a Service (BaaS) platform operated by Acesso Soluções de Pagamento S.A., part of the Votorantim financial conglomerate. The platform provides a modular architecture with over 30 REST APIs enabling partners to build custom financial solutions. Core products include digital accounts (Conta Digital) for individuals and businesses, PIX instant payments (direct participant), Mastercard card issuing (physical, virtual, and combo), digital wallets (Apple Pay and Google Pay), TED transfers, boleto issuance/payment, and bill payment. The platform integrates regulatory compliance handling, KYC/biometric identity verification via ID One, credit solutions including pre-analysis and CRELIQ recovery, and Open Finance APIs. Partners access the ecosystem via a developer portal with comprehensive documentation and sandbox testing environment.
Differentiator
Problem solved
Functional benefit
Products and services
- Digital Account (Conta Digital) Prepaid digital payment account infrastructure providing full banking capabilities with assigned bank number, branch code, and account details, available for both individuals (PF) and businesses (PJ) through API integration.
- PIX Payments Instant Brazilian payment service operated by Bankly as a direct participant of Pix with the Banco Central, providing full Pix QR Code integration for partner products.
- Card Issuing Platform International Mastercard card issuance, processing, and management for physical, virtual, and combo cards with personalized branding and contactless capabilities.
- Digital Wallets Integration with Apple Pay and Google Pay for contactless mobile payments, enabling card provisioning to digital wallets for in-store and online transactions.
- TED Transfers External bank transfer service via Open Banking API, including internal TED transfers for accounts operating within Bankly's payment institution license.
- Boleto (Bank Slip) Deposit and collection boleto issuance for account loading and client billing, fully integrated via API.
- Bill Payment (Pagamento de Contas) Utility bill payment API enabling partner end-users to pay any bill through the platform via barcode reading and processing.
- KYC Verification Complete identity verification service for individuals (PF) and businesses (PJ), including biometric facial verification, document authentication, and fraud prevention controls.
- Credit Solutions (Gestão de Crédito) Modular credit management service including pre-analysis, credit analysis, contract management, invoice management, and CRELIQ automated credit recovery process.
- Incentive Marketing Solutions Complete incentive marketing campaign management platform with administrative dashboard and dedicated financial operations mobile application.
- Open Finance Open Banking APIs enabling financial data sharing and payment initiation through WebView integration, supporting Brazil's Open Finance ecosystem.
- Regulatory Compliance (Regulatório) Compliance API suite with full adherence to BCB regulations and more than 3,000 compliance norms, offloading regulatory operational requirements from partners.
- ID One Identity verification platform for document submission, selfie capture, and biometric analysis with approval status tracking throughout the onboarding flow.
- Sandbox Environment API integration testing environment allowing partners to test all financial solutions before production deployment, with documented REST APIs and webhook notifications.
- Developer Portal Comprehensive developer documentation portal including Manual do Dev, API references, monthly changelog updates, and integration guides for partner engineering teams.
Companies that use Bankly
Customer profileSegments7 records
Ideal customer profiles7 records
Bankly technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability6 records
Feature7 records
Bankly partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and flagship.
- MastercardcoreBankly partners with Mastercard for international card issuing. The partnership enables Bankly to offer physical, virtual, and combo cards with contactless functionality and digital wallet integration (Google Pay, Apple Pay) under the Mastercard network.
- Votorantim GroupflagshipBankly (Acesso Soluções de Pagamento S.A.) is part of the Votorantim Financial Conglomerate. Votorantim is a major Brazilian industrial and financial group, providing corporate backing and integration within a broader financial ecosystem.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Bankly competitors and assessment
Company assessmentDirect peers
- Pismo: Pismo (acquired by Visa) provides a cloud-native core banking and payments processing platform with APIs for accounts, cards, and transfers. It directly competes with Bankly in providing modern banking infrastructure to financial institutions in Latin America.
- Cobre: Cobre is a Colombian BaaS platform expanding into Brazil, offering business accounts, payments, and treasury APIs to fintechs and corporates. It is comparable to Bankly as a horizontal BaaS provider targeting enterprise clients.
- Dock: Dock is a Brazilian payment technology company providing card issuing, account processing, and BaaS infrastructure. It overlaps heavily with Bankly's card issuing, digital wallet, and account-management offerings for banks and fintechs.
- Pomelo: Pomelo is a LatAm-focused BaaS platform offering card issuing, digital accounts, and lending APIs. It directly competes with Bankly in the Brazilian market serving fintechs, retailers, and corporates embedding financial services.
Emerging players
- Conta Simples: Conta Simples is a Brazilian fintech providing digital business accounts and financial management APIs for SMBs. It overlaps with Bankly's digital account and payment offerings, targeting the SME and startup segments.
- Quanto: Quanto is a Brazilian Pix-as-a-Service infrastructure provider offering instant payment APIs. It overlaps with Bankly's direct Pix participation capability, serving fintechs and merchants needing embedded Pix.
- Belvo: Belvo is a LatAm open banking and payment initiation API platform. It is comparable to Bankly's Open Finance and payment initiation capabilities, especially for partners needing data aggregation and A2A payment rails.
Regional players
- Safe2Pay: Safe2Pay is a Brazilian payment institution offering digital accounts, Pix, boleto, and card APIs. It competes with Bankly in the Brazilian SMB and e-commerce BaaS segment with similar product coverage.
- Nimbus: Nimbus is a Brazilian fintech platform providing payment infrastructure including Pix, Open Finance, and card APIs. It is comparable to Bankly as a domestic BaaS-style infrastructure provider targeting Brazilian fintechs and retailers.
Broad incumbents
- Bitso: Bitso is a major LatAm crypto and payments platform offering business accounts, cross-border payments, and BaaS-style services. While broader in scope, it competes with Bankly for fintech and corporate payment infrastructure deals in Brazil.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Bankly social profiles
Digital presenceBankly compliance and trust
Trust signalCompliance4 records
Bankly financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bankly leadership team
Management profileNumber of profiles
Profiles3 records
Bankly funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bankly 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 Bankly
What does Bankly do?
Bankly is a Banking as a Service (BaaS) platform that provides licensed financial infrastructure through more than 30 REST APIs, enabling businesses to embed digital accounts, card issuing, Pix payments, TED transfers, boleto issuance, bill payment, and KYC verification into their own products. Operating as Acesso Soluções de Pagamento S.A. (bank number 332), Bankly is a direct Pix participant and licensed payment institution under the Banco Central do Brasil, handling regulatory compliance while partners build their front-end customer experiences.
Is Bankly a public or private company?
Bankly is a private company. It is classified as corporate owned and is currently operating.
When was Bankly founded?
Bankly was founded in -1. It employs 101 to 250 people.
Where is Bankly based?
Bankly is headquartered in São Paulo, Brazil, in the Latin America region.
How does Bankly make money?
Four revenue lines are on record. Setup/Project Fees are the primary driver. The others are monthly Minimum API Package, usage-based API Fees and banking Services.
Who are Bankly's main competitors?
Direct peers on record are Pismo, Cobre, Dock and Pomelo. Emerging players are Conta Simples, Quanto and Belvo. Regional players are Safe2Pay and Nimbus. Bitso is listed as a broad incumbent.
Does Bankly have an API?
Yes. Bankly offers a Banking as a Service platform with over 30 REST APIs for financial services integration. Partners can access APIs for account opening (individuals and businesses), PIX payments, card issuing (Mastercard), TED transfers, boleto issuance/payment, bill payment, KYC verification, credit management, and Open Finance. The platform includes a sandbox environment for testing, webhook notifications for event-driven architecture, comprehensive developer documentation (Manual do Dev and APIs sections), and supports mTLS authentication with dynamic client registration. Developer documentation is at docs.bankly.com.br.
What industry is Bankly in?
Bankly's product category is Banking-as-a-Service Platform. Its primary akta.pro industry code is FSAGALAA, BaaS Platforms & Sponsor Bank Enablement, with a secondary code of FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure. Its NAICS code is 52211 and its SIC code is 6021.