Juca
Juca is a Brazilian digital correspondent bank that intermediates payroll-deducted loans, FGTS advances, and short-term micro-credit for formal-sector workers via four partner financial institutions, using PIX disbursement and government system integrations.
- Company typePrivate
- Founded2023
- HeadquartersBrasil, Brazil
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Juca does
Juca (legal entity JUCA INTERMEDIAÇÕES E SERVIÇOS LTDA) is a Brazilian digital credit platform operating as a Correspondente Bancário under Resolução CMN nº 3.954/2011, regulated by Banco Central do Brasil. Founded in 2023 and headquartered in Barueri (São Paulo), the company intermediates credit operations on behalf of four partner financial institutions — BMP Money Plus, Money Plus, UY3 SCD, and Via Capital — without holding its own banking license. The platform targets Brazilian formal-sector workers (CLT employees, including domestic, rural, and MEI categories) and offers three core products: (1) Antecipação do Saque-Aniversário FGTS, which advances up to five annual FGTS installments using the worker's balance as collateral; (2) Crédito do Trabalhador CLT, a payroll-deducted loan under Medida Provisória nº 1.292/2025; and (3) Vira-Mês, a short-term micro-credit product with repayment via PIX Automático / Open Finance. All products feature 100% digital onboarding, biometric identity verification through Unico, PIX disbursement in under 10 minutes, and rates starting at 1.59-2.99% per month.
The underlying technology stack integrates Brazilian government systems (DATAPREV, eSocial, FGTS Digital, DET, Emprega Brasil, SCR) with Open Finance infrastructure via payment initiator PLUGGY Brasil, enabling real-time credit assessment, automatic margin verification, and scheduled repayments. Revenue is generated via correspondent banking commissions, TAC (Credit Opening Fees) of up to 20% on certain products, and interest rate spreads on originated loans. Distribution combines direct-to-consumer digital channels (website, mobile app, Instagram, TikTok, SEO/content marketing), B2B2C employer partnerships through an integrated payroll portal, and embedded placement within the government's Carteira de Trabalho Digital app. The company reports having served over 5 million customers cumulatively and operates with a highly automated cost structure (1-10 employees).
Juca firmographics
Firmographics- Name
- Juca
- Legal name
- JUCA INTERMEDIAÇÕES E SERVIÇOS LTDA
- Website
- https://vemprojuca.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Juca is a Brazilian digital correspondent bank that intermediates payroll-deducted loans, FGTS advances, and short-term micro-credit for formal-sector workers via four partner financial institutions, using PIX disbursement and government system integrations.
- Ownership category
- akta.pro rank
Juca industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Lending & Credit Disbursements (FSAMAKAH)
Keywords
Where Juca is headquartered
LocationHeadquarters
- HQ city
- Brasil
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Juca business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations, Infrastructure
Revenue model
- Correspondent Banking Fees: Juca acts as a correspondent bank for partner financial institutions (BMP Money Plus, Money Plus, UY3, Via Capital), earning commission fees for loan origination, processing, and collection services. The company intermediates credit operations between workers and financial institutions, handling customer onboarding, credit analysis support, contract issuance, and post-sale service.
- Credit Processing Fees (TAC): Collection of Taxa de Abertura de Crédito (TAC - Credit Opening Fee) of up to 20% on certain loan products, particularly the FGTS anticipation product. This fee is disclosed in the Quadro Resumo before contracting.
- Interest Rate Spreads: While Juca is not a financial institution, it facilitates loans originated by partner banks. The competitive interest rates (starting from 1.59% per month for FGTS and 2.99% for Credit for Workers) indicate margin opportunities as correspondent.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | FGTS Anticipation - Interest rates from 1.79% per month |
| Transaction based/ take rate | Monthly | Credit for Workers (Consignado CLT) - Interest rates from 2.99% per month |
| Unit Pricing | Pay-as-you-go | Vira-Mês - Short-term micro-credit |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Juca product offering
Product offeringCore offering
Juca operates as a Correspondente Bancário (banking correspondent) intermediating consumer credit between Brazilian formal workers and partner financial institutions (BMP Money Plus, UY3, Money Plus, Via Capital). Its core offerings are 100% digital credit products — FGTS birthday-withdrawal anticipation, Crédito do Trabalhador CLT (payroll-deducted consignado), short-term micro-credit (Vira-Mês), and unsecured personal loans via Open Finance — with PIX disbursement in under 10 minutes and automated repayment through PIX Automático, payroll deduction, or FGTS balance.
Product overview
Juca is a digital credit platform operating as a Correspondent Bancário (banking correspondent) under Resolução CMN nº 3.954/2011, regulated by Banco Central do Brasil. The company offers three core credit products: (1) Antecipação do Saque-Aniversário do FGTS — advances up to 5 annual FGTS installments using the balance as collateral, with PIX disbursement; (2) Crédito do Trabalhador CLT — payroll-deducted loan for formal workers with installments taken directly from salary via employer eSocial integration; and (3) Vira-Mês — short-term bridging credit with payment due on the 5th via Open Finance PIX Automático. All products are 100% digital with PIX fund transfers and same-day or near-instant disbursement. Juca partners with four financial institutions: BMP Money Plus, Money Plus, UY3 SCD, and Via Capital. The platform also provides a digital signature tool (Juca Sign) for contract execution.
Differentiator
Problem solved
Functional benefit
Brands
- Crédito do Trabalhador: Consignado privado CLT - loan product for workers with formal employment contract, with installments deducted directly from payroll
- Vira-Mês
- Juca Sign
Products and services
- Antecipação do Saque-Aniversário do FGTS Consumer loan that advances up to 5 annual installments of the worker's FGTS birthday-withdrawal (Saque-Aniversário) using the FGTS balance as collateral. Funds are disbursed via PIX and repayment occurs automatically from future annual FGTS withdrawals. Available to negative-credit customers, with interest rates starting at 1.79% per month.
- Crédito do Trabalhador CLT (Consignado Privado) Payroll-deducted (consignado) loan for Brazilian formal workers (CLT), including private-sector employees, domestic workers, rural workers, and MEI contributors. Installments are automatically deducted from monthly salary via employer eSocial processing, with interest rates starting at 2.99% per month. 100% digital process with PIX disbursement.
- Vira-Mês Short-term micro-credit for bridging salary gaps. Small amounts (typically R$50–R$100 for first-time borrowers) transferred via PIX immediately after approval, with payment scheduled for the 5th of the following month via Open Finance PIX Automático. No payroll deduction or employer involvement required.
- Empréstimo Pessoal com débito via Open Finance / PIX Automático Unsecured personal loan with automatic installment debiting via Open Finance and PIX Automático from the customer's authorized bank account. No specific purpose is required; payment occurs automatically on due dates, with retry attempts in case of insufficient balance.
Quantifiable outcome
- 5+ million customers served
- +3 more outcomes
Companies that use Juca
Customer profileSegments3 records
Ideal customer profiles3 records
Juca technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
AI capability3 records
Feature5 records
Juca partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- PLUGGY Brasil Instituição de Pagamento Ltda.corePayment Initiator (ITP) authorized by Banco Central to operationalize PIX Automatic transfers for loan repayments. CNPJ: 37.943.755/0001-30. Juca uses PLUGGY's infrastructure for Open Finance-initiated payment transactions.
- Unico IDTech S.A.coreBiometric identity verification technology provider used for Juca Sign electronic signature platform. Provides facial recognition and identity verification services compliant with LGPD. Access at unico.io.
- Banco Central do BrasilcoreBrazil's central bank regulates Juca's correspondent banking operations under Resolution CMN 3.954/2011. Supervises all credit operations, SCR registrations, and Open Finance compliance.
- Caixa Econômica FederalcoreGovernment bank managing the FGTS system. Juca integrates with Caixa's systems for FGTS anticipation operations, including balance verification and automatic repayment deductions.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Juca competitors and assessment
Company assessmentEmerging players
- RecargaPay: Brazilian fintech offering digital payments, PIX transactions, and consumer credit products to Brazilian workers. Comparable to Juca as a digital-first Brazilian fintech with credit offerings, though focused more on payments and mobile top-ups as primary use cases.
Direct peers
- Banco BMG: Brazilian commercial bank specialized in payroll-deducted loans (consignado) and FGTS anticipation, with strong distribution via employer partnerships. Highly comparable to Juca's core product focus on Crédito do Trabalhador and Antecipação de FGTS for Brazilian workers.
- Banco Daycoval: Brazilian commercial bank with significant operations in payroll-deducted loans and consumer credit, including FGTS-backed products. Comparable to Juca in product mix and Brazilian worker target segment.
- Banco Pan: Brazilian bank with a strong focus on consumer credit, payroll-deducted loans, and vehicle financing. Comparable to Juca as a major originator in the Brazilian consignado and personal credit market, with similar worker target segments.
- Creditas: Brazilian consumer credit platform offering secured and unsecured personal loans, payroll-deducted credit, and home equity products. Directly comparable to Juca as a digital-first consumer credit platform serving Brazilian workers with multiple credit products.
- Nubank: Brazil's largest digital bank, offering consumer credit, payroll loans, and personal loans to workers via a mobile-first platform with PIX-native disbursement. Directly comparable to Juca in target customer (Brazilian workers) and digital distribution model, though operating with its own banking license rather than a correspondent model.
Broad incumbents
- Mercado Pago: Brazilian fintech arm of Mercado Livre offering consumer credit, PIX disbursement, and digital payments to millions of users. Comparable to Juca in digital credit distribution and scale, but operating as part of the larger Mercado Livre ecosystem with broader commerce offerings.
- Inter &Co: Brazilian digital bank offering a broad suite including consumer credit, payroll loans, and PIX-native payments. Comparable to Juca in digital-first distribution and Brazilian consumer focus, but with a much wider product portfolio.
- PicPay: Brazilian fintech and digital wallet offering personal loans, credit products, and PIX payments. Comparable to Juca in digital consumer credit and PIX-native disbursement, but with a broader product portfolio beyond credit.
- C6 Bank: Brazilian digital bank with consumer lending, credit cards, and payroll products targeting Brazilian workers. Comparable to Juca in digital-first consumer credit distribution, but operating as a licensed bank with broader offerings.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Juca social profiles
Digital presenceJuca compliance and trust
Trust signalCompliance5 records
Juca financial estimates
Financial estimateRevenue estimate
Valuation estimate
Juca leadership team
Management profileNumber of profiles
Profiles1 record
Juca funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Juca 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 Juca
What does Juca do?
Juca operates as a Correspondente Bancário (banking correspondent) intermediating consumer credit between Brazilian formal workers and partner financial institutions (BMP Money Plus, UY3, Money Plus, Via Capital). Its core offerings are 100% digital credit products — FGTS birthday-withdrawal anticipation, Crédito do Trabalhador CLT (payroll-deducted consignado), short-term micro-credit (Vira-Mês), and unsecured personal loans via Open Finance — with PIX disbursement in under 10 minutes and automated repayment through PIX Automático, payroll deduction, or FGTS balance.
Is Juca a public or private company?
Juca is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Juca founded?
Juca was founded in 2023. It employs 1 to 10 people.
Where is Juca based?
Juca is headquartered in Brasil, Brazil, in the Latin America region.
How does Juca make money?
Three revenue lines are on record. Correspondent Banking Fees are the primary driver. The others are credit Processing Fees (TAC) and interest Rate Spreads.
Who are Juca's main competitors?
RecargaPay is listed as an emerging player. Direct peers are Banco BMG, Banco Daycoval, Banco Pan, Creditas and Nubank. Broad incumbents are Mercado Pago, Inter &Co, PicPay and C6 Bank.
Does Juca have an API?
No public API is recorded for Juca.
What industry is Juca in?
Juca's product category is Consumer Lending. Its primary akta.pro industry code is FSAMAKAH, Lending & Credit Disbursements. Its NAICS code is 5222 and its SIC code is 6141.