Credicomin

What Credicomin does

Credicomin (legal name: Credicomin Cooperativa de Cr\u00e9dito, CNPJ 09.590.601/0001-76) is a Brazilian credit cooperative headquartered in Lages, Santa Catarina, and one of 14 affiliated cooperatives within the Sistema Ailos network. Operating as a closed-membership mutual under cooperative law, Credicomin serves individuals (Pessoa F\u00edsica), businesses (Pessoa Jur\u00eddica, including MEI and large industries), and public-sector entities across southern Brazil. The cooperative is part of a network that collectively serves 1.8 million+ cooperados, holds R$29.9B+ in assets, operates 355 service points across 100 cities in 8 states, and provides access to 550+ ATMs through Banco24Horas and Saque e Pague partnerships.

The product platform is a full-service financial supermarket: checking accounts, Ailos-branded credit/debit cards (including a Black tier), fixed-income investments (Poupan\u00e7a, RDC Rendimento Di\u00e1rio with daily CDI-linked yield, LCI), private pension (Prevcoop with 0.25% admin fee), insurance brokerage via Ailos Corretora de Seguros, cons\u00f3rcios, foreign exchange (C\u00e2mbio), and Pix-based payments including Pix Autom\u00e1tico. Credit products span personal loans, payroll-deductible Cr\u00e9dito do Trabalhador, vehicle and mortgage financing, sustainable loans, working capital, CDC merchant credit, and the BNDES-backed Procapcred line for capital-quota acquisition. Members transact via four specialized native mobile apps (Ailos+, Ailos, Ailos Cart\u00f5es, Ailos Lojista), web-based Conta Online with a mandatory security module, and in-person Postos de Atendimento. Technology integrations include API de Cobran\u00e7a Banc\u00e1ria for ERP/e-commerce boleto issuance, Bolepix (boleto + Pix hybrid), Open Finance, Pix Cobran\u00e7a, and gov.br SSO.

Revenue is generated through interest spreads on credit operations (the primary driver), card-related fees and interchange, investment yield spreads between member payouts and asset returns, insurance brokerage commissions distributed across 10 major insurer partners, cons\u00f3rcio administration fees, banking service fees (boleto issuance, payroll, file transfer), and the cooperative's Cota Capital scheme which pays Juros ao Capital (4.84% credited for 2019) plus distributes sobras (surplus) to members. Pricing is largely described as 'taxas diferenciadas' versus traditional banks, with specific disclosed pricing including Black Friday 2024 promotional rates (maquininha debit from 1.29%, boleto from R$0.99), Procapcred terms (up to R$100k per 24-month period), and Prevcoop (0.25%/year admin fee). The cooperative is regulated by Banco Central do Brasil, LGPD-aligned for data protection, and FGCoop-guaranteed for member deposits and investments up to R$250,000.

Name

Credicomin

Legal name

Credicomin Cooperativa de Crédito

Website

https://credicomin.coop.br

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

101–250 employees

Short description

Credicomin is a Brazilian credit cooperative in Lages, Santa Catarina, affiliated with the 14-cooperative Sistema Ailos network, offering full-service banking (accounts, cards, credit, investments, insurance, pension, consórcios, Pix) to individual, business, and public-sector members across southern Brazil.

Ownership category

akta.pro rank

Headquarters

HQ city

Lages

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Interest spread on credit operations: Primary revenue driver: interest charged on personal loans, payroll loans (Crédito do Trabalhador), vehicle financing, sustainable loans, mortgages, working capital, BNDES-financed Procapcred capital quota acquisitions, and CDC (Crédito Direto ao Cooperado) merchant credit. Differentiated cooperative rates versus traditional banks drive volume.
2. Card-related fees and interchange: Revenue from credit/debit cards (Cartão Ailos including Black tier), including anuidade (potentially waived), card transactions, virtual card issuance, contactless transactions, and the Ganhe Pontos rewards program. Includes fees from the Maquininha de Cartão (card machine) product for merchants.
3. Investment product yield spread: Returns earned on cooperado deposits across Poupança (savings), RDC Rendimento Diário (CDI-linked), LCI (Letra de Crédito Imobiliário, tax-exempt, min R$10,000), fixed-income Aplicação Financeira, and Prevcoop (private pension, 0.25% admin fee). Credit union retains margin between yield paid to members and earnings on assets.
4. Insurance brokerage commissions: Commission income from Ailos Corretora de Seguros distributing partner insurers' policies: auto, life, residential, fleet, business/patrimonial, photovoltaic, group life, and travel insurance. Insurer partners include Chubb, Icatu, Liberty, Mapfre, Porto Seguro, Previsul, Sompo, Sulamerica, Tokio Marine, and Zurich. Private pension (Previdência) and certain insurance products are sellable directly via App Ailos.
5. Consórcio (consortium) administration fees: Administration fees from Consórcios Ailos covering trucks, cars, motorcycles, real estate, services, and sustainable goods; terms from 36 to 200 months; with up to 30% higher contemplation rate than market average. Members pay monthly contributions plus an admin tax.
6. Banking services and collection fees: Revenue from Cobrança Bancária (boleto issuance, including Bolepix), DDA (Débito Direto Autorizado), Pix Automático service fees charged to receiving businesses (free for individuals), FX (Câmbio), Folha de Pagamento (payroll), and the Van de Transmissão file transfer service for merchants. Open Finance integrations also available.
7. Capital quota (Cota Capital) and Juros ao Capital: Capital quotas subscribed by cooperados form a key source of funding; the cooperative pays Juros ao Capital (e.g., 4.84% credited for 2019) and distributes sobras (surplus) proportionally to member activity, while retaining the funds for lending at lower rates. Members also benefit from voluntary capital accumulation plans.
8. Flash Benefícios and merchant financial services: Flash Benefícios (corporate benefits platform) for businesses, plus value-added services for merchants including complete receivables solutions (Pix + maquininha + cobrança + folha + DDA + Van de transmissão).

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels9 records

Core offering

Credicomin is a Brazilian credit cooperative (cooperativa de crédito) that delivers a full retail and business banking platform to its members (cooperados). Its offering combines checking accounts, credit/debit cards, personal and business loans, fixed-income investments, private pension, insurance, consortiums, Pix/Pix Automático payments, FX, card-acquiring (Maquininha) and bill-collection services (Cobrança Bancária and Bolepix), distributed through Postos de Atendimento, four specialized mobile apps, Conta Online web banking, and an extensive partner ATM network.

Product overview

Credicomin (Ailos Credicomin Cooperativa de Crédito, CNPJ 09.590.601/0001-76) is a Brazilian credit cooperative affiliated to the Sistema Ailos. Its offering is a single platform-plus-modules architecture for retail (PF) and business (PJ) members, served through three physical/digital channels: Conta Online (web banking with a mandatory security module), the App Ailos+ / App Ailos member apps, and the App Ailos Cartões / App Ailos Lojista specialized companion apps, backed by 355+ in-person Postos de Atendimento. The core PF modules include Conta Corrente, Cartões Ailos (with Cartão Black), Créditos (Empréstimos e Financiamentos), Consórcios (cars, trucks, motorcycles, real estate, services), Seguros Ailos (auto, life, residential, photovoltaic, fleet, business), Previdência Privada (Prevcoop), Câmbio, Poupança, Aplicação Financeira, LCI, the new RDC Rendimento Diário, Cota Capital, and Regularização de Dívidas (Desenrola). The core PJ modules extend these with Cobrança Bancária (with the API de Cobrança Bancária), Bolepix, Pix Cobrança, Maquininha de Cartão, Flash Benefícios, and specialized credit lines such as Procapcred (BNDES-backed quota-capital financing). All members transact via Pix and Pix Automático, and the cooperative participates in Open Finance under Banco Central rules.

Differentiator

Problem solved

Functional benefit

Brands

• App Ailos+: Digital account-opening application used by prospective and existing members of the Ailos cooperatives.
• App Ailos
• Ailos Cartões
• Ailos Lojista
• Ailos Corretora de Seguros
• Procapcred

Products and services

• Conta Corrente (PF e PJ) Checking accounts for individuals and businesses with Pix, transfers, payments, debit card and statements, accessible through web banking and mobile apps.
• Cartões Ailos (incluindo Cartão Black) Ailos-branded credit and debit cards including the premium Black tier, with virtual cards, contactless support and the Ganhe Pontos rewards program managed through the Ailos Cartões app.
• Crédito (Empréstimos e Financiamentos) Personal and business loans portfolio including unsecured loans, payroll-deductible (Consignado / Crédito do Trabalhador), secured loans, MEI credit, sustainable loans, vehicle and real estate financing, in-store CDC and working capital.
• Aplicação Financeira (Renda Fixa) e RDC Rendimento Diário Fixed-income investment product offering above-average market yields, contracted via App Ailos, including the RDC Rendimento Diário with CDI-linked daily yield, immediate liquidity and minimum application of R$5.
• Poupança Cooperative savings account with IR exemption for individuals, daily liquidity, cooperative results participation, and FGCoop deposit protection up to R$250k.
• LCI (Letra de Crédito Imobiliário) Real-estate-linked fixed-income security with minimum application of R$10,000, redemption from 181 days, IR exemption for individuals and FGCoop guarantee up to R$250k.
• Seguros Ailos Insurance brokerage portfolio distributed via Ailos Corretora de Seguros covering auto, life, residential, photovoltaic, fleet, business/patrimonial (up to R$30M and above), group life and travel insurance.
• Consórcios Ailos Cooperative consortium for individuals and businesses to acquire cars, trucks, motorcycles, real estate, services and sustainable assets, with terms from 36 to 200 months and contemplation rates up to 30% above market average.
• Previdência Privada (Prevcoop) Private pension plan (Prevcoop) administered by Ailos with a 0.25% annual admin fee, no loading fee, succession planning and up to 12% IR deduction on gross taxable income for individuals.
• Pix e Pix Automático Instant payments via Pix (Brazilian Central Bank rail) including Pix Cobrança (QR-based receivables with interest/fines) and Pix Automático (recurring debits), available 24/7 through the Ailos apps.
• Câmbio (PF e Empresarial) Foreign-exchange service for individuals and businesses to buy and sell foreign currency.
• Cobrança Bancária e Bolepix Receivables and payment solutions for businesses including Cobrança Bancária (boleto issuance), Bolepix (boleto + Pix QR), Pix Cobrança, maquininha de cartão, folha de pagamento, DDA and van de transmissão, with API de Cobrança Bancária for ERP integration.
• Maquininha de Cartão Ailos Card-acquiring (POS/mobile card machine) service for member businesses, with free Pix acceptance, debit rates from 1.29% and waived monthly rental during promotional periods.
• Flash Benefícios Corporate benefits platform for business members, providing employee benefits and value-added services.
• Procapcred (Cota Capital financing) BNDES-financed credit line for PF and PJ members to acquire social capital quotas (Cota Capital), up to R$100k per CPF/CNPJ per 24-month period, with terms up to 120 months and up to 24 months grace under SAC amortization.
• Cota Capital (Plano de Cota Capital) Cooperative social-capital quota scheme yielding interest on capital (Juros ao Capital) plus distribution of surplus (sobras), with annual remuneration tied to the cooperative's results.
• Desenrola Ailos (Regularização de Dívidas) Debt-restructuring program ('Desenrola Ailos') offering special conditions to renegotiate past-due obligations.

Quantifiable outcome

• R$ 48+ million total economy generated for Credicomin cooperados in 2022 (avg. ~R$ 2,066 per cooperado)
• +7 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature11 records

Partnerships

20 partnerships are on record, tiered flagship, major and minor.

• Sistema Ailos (14 affiliated cooperatives)flagshipStrategic or Co-development PartnerCredicomin is one of 14 affiliated cooperatives of the Sistema Ailos network, which collectively serves 1.8+ million cooperados, 4.5+ thousand employees, 355 service points, 550+ ATMs across 140+ cities in 8 Brazilian states. The shared system provides unified branding, technology platforms (apps, Conta Online), joint marketing campaigns, and cooperative governance.
• Banco24HorasmajorChannel Partner/ Reseller/ DistributorPartner ATM network allowing Credicomin cooperados to access cash services at Banco24Horas locations nationwide, in addition to the cooperative's own terminals.
• Saque e PaguemajorChannel Partner/ Reseller/ DistributorPartner ATM network (Saque e Pague) extending the cooperative's cash-access coverage; integrations include end-of-year reconciliation rules specific to this partner.
• Ailos Corretora de Seguros (in-house brokerage)majorStrategic or Co-development PartnerExclusive in-house insurance brokerage of the Sistema Ailos, operating for more than 20 years. Connects cooperados to multiple partner insurers, offering specialized advisory, support, and the ability to contract Vida, Residencial, Viagem and Previdência Privada directly via App Ailos.
• Seguradora ChubbminorChannel Partner/ Reseller/ DistributorPartner insurer distributed via Ailos Corretora de Seguros for Seguro Empresarial and other products. Sinistro/assistance: 0800 601 1285 (capitals and metropolitan regions).
• Seguradora IcatuminorChannel Partner/ Reseller/ DistributorPartner insurer distributed via Ailos Corretora de Seguros. Sinistro/assistance: 0800 285 3000.
• Seguradora LibertyminorChannel Partner/ Reseller/ DistributorPartner insurer distributed via Ailos Corretora de Seguros. Sinistro/assistance: 0800 701 4120 / 4004 5423 / 0800 709 5423.
• Seguradora MapfreminorChannel Partner/ Reseller/ DistributorPartner insurer distributed via Ailos Corretora de Seguros. Sinistro/assistance: 0800 705 0101.
• Seguradora Porto SegurominorChannel Partner/ Reseller/ DistributorPartner insurer distributed via Ailos Corretora de Seguros. Sinistro/assistance: 0800 727 0800.
• Seguradora PrevisulminorChannel Partner/ Reseller/ DistributorPartner insurer distributed via Ailos Corretora de Seguros. Sinistro/assistance: 3003 6773 / 0800 709 8059.
• Seguradora SompominorChannel Partner/ Reseller/ DistributorPartner insurer distributed via Ailos Corretora de Seguros. Sinistro/assistance: 0800 771 9119 / 11 3156 2990.
• Seguradora SulamericaminorChannel Partner/ Reseller/ DistributorPartner insurer distributed via Ailos Corretora de Seguros. Sinistro/assistance: 0800 777 1012 / 0800 727 4100.
• Seguradora Tokio MarineminorChannel Partner/ Reseller/ DistributorPartner insurer distributed via Ailos Corretora de Seguros. Sinistro/assistance: 0300 338 6546.
• Seguradora ZurichminorChannel Partner/ Reseller/ DistributorPartner insurer distributed via Ailos Corretora de Seguros. Sinistro/assistance: 0800 729 1400 / 4020 4345 / 0800 285 4345.
• Progrid EADminorStrategic or Co-development PartnerOnline education platform used to host financial-education courses (e.g., Declaração do IR 2021, IR 2022) and used during Semana ENEF activities.
• FGCoop (Fundo Garantidor do Cooperativismo de Crédito) — co-marketing for Semana ENEFminorGTM or Marketing PartnerIn 2022, the Sistema Ailos co-hosted a Semana ENEF live with FGCoop on the theme 'Comece o ano com saldo positivo: Educação Financeira para a família' (Palestrantes: Diogo Angioleti e Letícia Pasold; mediação: Fernando Kuhn).
• SicoobminorGTM or Marketing PartnerInter-cooperative Semana ENEF 2022 partnership: Sicoob live on 'Tocando em frente' with former Chapecoense footballer Jakson Follmann, broadcast on YouTube Sicoob.
• Unicred BrasilminorGTM or Marketing PartnerInter-cooperative Semana ENEF 2022 partnership: live 'Como ter resiliência financeira em tempos de incerteza?' with Patricia Palomo, on YouTube Unicred.
• SicrediminorGTM or Marketing PartnerInter-cooperative Semana ENEF 2022 partnership: live 'Sim ou Não dinheiro na mão — Vida Financeira não é sorte é conhecimento' with Jefferson Zago and Fernanda Breda, on YouTube Sicredi.
• CresolminorGTM or Marketing PartnerInter-cooperative Semana ENEF 2022 partnership: live 'A Cresol ajuda a cuidar das suas finanças de forma simples!' with Alzimiro Thomé and Cledir Assisio Magri, on YouTube Cresol.

Scale indicators10 records

Recent moves8 records

Expansion highlights7 records

Direct peers

• Sicoob: Sicoob is the largest Brazilian credit cooperative system with over 7 million members across more than 2,600 cooperatives, offering full banking, credit, and investment products. Directly comparable to Credicomin's mutual cooperative model within Sistema Ailos, operating with the same member-owned structure and broad financial product suite.
• Sicredi: Sicredi is one of Brazil's largest credit cooperative systems with national presence across all states, offering banking, credit, insurance, and investment products to members. Directly comparable to Credicomin's cooperative banking structure, member-centric offerings, and distributed cooperative model.
• Cresol: Cresol is a Brazilian credit cooperative system focused initially on agricultural cooperatives, now serving rural and urban members with full banking services. Comparable to Credicomin's cooperative banking model, though Cresol has stronger agricultural lending concentration.
• Unicred: Unicred is a Brazilian credit cooperative system serving primarily healthcare professionals and related segments, with national reach and full banking services. Comparable to Credicomin in the cooperative mutual model and member-centric financial product offerings, though with a more defined professional membership base.

Broad incumbents

• Banco do Brasil: Banco do Brasil is Brazil's largest state-controlled bank with the country's most extensive branch network, serving retail, agribusiness, corporate, and public-sector clients. Comparable as a broad incumbent in the same Brazilian retail-banking and credit market where Credicomin competes, though with much broader scale and product portfolio.
• Caixa Econômica Federal: Caixa is Brazil's federal savings bank offering banking, mortgage, lottery, and social-benefit distribution services, with a strong public-sector and lower-income retail footprint. Comparable as a broad incumbent competing for similar deposit and credit customers, including public-sector accounts that Credicomin also targets.
• Banco Votorantim: Banco Votorantim is a Brazilian universal bank with strong consumer credit (BV Financeira) and corporate banking franchises. Comparable as a broader incumbent with overlapping consumer credit and retail-banking products, though with a for-profit corporate structure rather than a cooperative model.

Regional players

• Banrisul: Banrisul is the state-controlled bank of Rio Grande do Sul with deep retail and SME banking presence across the southern Brazilian region. Highly comparable to Credicomin in geographic footprint (southern Brazil) and customer base (retail and SME members), offering overlapping deposit, credit, and payment products in the same territory.

Emerging players

• Nubank: Nubank is Brazil's largest digital bank with tens of millions of customers offering checking accounts, credit cards, personal loans, investments, and insurance via a mobile-first platform. Comparable as a competing financial-services provider targeting similar consumer and SMB segments in Brazil, though with a fully digital (rather than cooperative) model.
• Banco Inter: Banco Inter is a Brazilian digital bank offering full-service retail and business banking, investments, credit, and insurance through a super-app. Comparable as a competing digital-first financial services provider in Brazil, increasingly overlapping with Credicomin's product suite across deposits, credit, and investments.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/watch?v=im5BIuCetvM
• Facebookfacebook.com/Credicomin
• LinkedInlinkedin.com/company/credicomin

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Credicomin