Transpocred

What Transpocred does

Transpocred Cooperativa de Crédito is a Brazilian credit cooperative founded in 2006 and headquartered in Florianópolis, Santa Catarina, exclusively serving the transportation and logistics sector. The cooperative operates as a member-owned institution within the Sistema Ailos network, with 59,300 cooperados and a 52-point Postos de Atendimento branch network concentrated in southern Brazil, plus two new units inaugurated in Brasília (CNT and Sindibras headquarters) in March 2026. Its stated mission is to deliver specialized banking, credit, insurance, consortium, and fleet management solutions to individual drivers, owner-operators, app-based drivers, and transport/logistics companies (Pessoa Jurídica) that traditional banks underserve.

The product portfolio spans core banking (Conta Corrente, Pix, cards including a Black tier, Open Finance integration, Câmbio), credit (vehicle financing for cars/trucks/buses/motorcycles, BNDES-backed FINAME, Renovação de Frota, Procapcred, Capital de Giro, Habilita+ for CNH upgrades), insurance distribution through Ailos Corretora with HDI Seguros as underwriter, Consórcios for trucks and vehicles, and sector-specific tools including Plus Frota (fuel/maintenance analytics), Tag Plus Frota (VPO-integrated toll payment), Gestão de Fretes (CIOT-compliant freight management), and Flash Benefícios (employee benefits via Personal Card). Technology is delivered through four proprietary apps (Ailos+, Ailos, Ailos Cartões, Ailos Lojista) plus Conta Online web banking, and ATM access via Banco24Horas and Saque e Pague partnerships.

The revenue model is a cooperative financial model: interest spread on credit operations (the dominant stream, including BNDES-subsidized lines), account and transaction fees, insurance commissions, consortium management fees, investment product distribution, and annual interest on member capital quotas (3.34% paid for the 2025 exercise). Pricing emphasizes differentiated rates and reduced fees for cooperados versus traditional banks. Go-to-market combines sales-led branch consulting, direct-to-consumer digital onboarding via Ailos+, event-driven presence at TranspoSul, Fetranslog, Logistique and Fenamarco, and institutional marketing (the 'Confia, vai ter volta' campaign launched February 2026 across nearly 100 southern cities).

Name

Transpocred

Legal name

Transpocred Cooperativa de Crédito

Website

https://transpocred.coop.br

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

101–250 employees

Short description

Transpocred is a Brazilian credit cooperative founded in 2006 that exclusively serves the transportation and logistics sector with banking, credit, insurance, consortium, and fleet management products, serving 59,300 cooperados through 52 branches and the Ailos digital app ecosystem.

Ownership category

akta.pro rank

Headquarters

HQ city

Florianópolis

HQ country

Brazil

HQ region

Latin America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Credit Operations: Transpocred earns interest income from various credit products including vehicle financing, personal loans, business credit, BNDES-backed financing (FINAME, Renovação de Frota, Procapcred), capital de giro, and credit cards. As a cooperative, interest income is distributed back to cooperados through dividends (sobras) and capital interest (juros sobre capital).
2. Account and Transaction Fees: Monthly account maintenance fees (though reduced tariffs for cooperados), transaction fees on transfers, boleto payments, and other banking operations. The cooperative emphasizes lower fees compared to traditional banks.
3. Insurance Distribution (Ailos Corretora): Transpocred acts as a distribution channel for insurance products including vehicle insurance, life insurance, residential insurance, fleet insurance, photovoltaic insurance, and business insurance through the Ailos Corretora, earning commissions on policy placements.
4. Consortium (Consórcio) Management: Revenue from consortium group management fees for trucks, cars, motorcycles, real estate, and services. The cooperative manages groups where participants make regular contributions toward winning Letters of Credit through auctions or bids.
5. Investment Products Distribution: Distribution of savings accounts, fixed-income investments, and private pension (previdência) products, with the cooperative earning management fees and spreads on investment products.
6. Capital Cota (Capital Share): Cooperados are required to purchase and maintain Capital Cotas (capital shares) as a condition of membership. These quotas earn annual interest based on cooperative results (3.34% in 2025) and provide the cooperative with a stable capital base.

Pricing tiers

Go-to-market motion3 records

Distribution channels10 records

Marketing channels8 records

Core offering

Transpocred is a credit cooperative (Cooperativa de Crédito) that provides banking, credit, insurance, investment, and fleet-management financial solutions exclusively to Brazil's transportation and logistics sector. Operating under the Sistema Ailos cooperative network, it serves individual drivers, transport companies, and public-sector transport entities through 52 physical service points and digital channels (Ailos+, Ailos, Ailos Cartões, and Ailos Lojista mobile apps), offering checking accounts, vehicle and BNDES-backed financing, fleet cards and toll tags, freight payment tools, insurance, consortia, and private pension products.

Product overview

Transpocred is a cooperative financial institution serving Brazil's transportation and logistics sector, operating within the Ailos System. The company offers a comprehensive portfolio of financial products and services through multiple digital channels (Ailos+, Ailos, Ailos Cartões, and Ailos Lojista mobile apps), physical service points, and correspondents. Core offerings include checking accounts (Conta Corrente), credit solutions (personal loans, vehicle financing, BNDES financing, capital de giro), card products (credit, debit, Black card), investment and pension products, insurance through HDI, consortium groups for vehicles and real estate, and specialized transportation solutions (Plus Frota fleet management, Tag Plus Frota toll payments, Cartão Plus Frota, Gestão de Fretes with CIOT, Cartão VR/VA benefits). The company differentiates through sector-specific expertise in transportation and logistics, nearly 20 years of operation, 52 service points, and 59,300 cooperados.

Differentiator

Problem solved

Functional benefit

Brands

• Plus Frota Transpocred: Fleet management solution including Tag Plus Frota for electronic toll payment and Cartão Plus Frota for fuel, maintenance and vehicle tracking
• Cartão VR/VA Transpocred
• Procapcred
• Ailos

Products and services

• Conta Corrente (Checking Account) Checking account for individuals and businesses with reduced fees, lower interest rates, and differentiated products and services tailored for the transportation and logistics sector.
• Cartões Ailos (Credit and Debit Cards) Four card modalities for individuals and businesses offering potential zero annual fees, with credit cards featuring points programs and exclusive advantages and debit cards for account holders.
• Cartão Black (Black Premium Credit Card) Exclusive premium credit card offering enhanced benefits and privileges for high-value customers seeking premium financial experiences.
• Crédito e Empréstimos (Credit and Loans) Credit and loan solutions including personal loans, vehicle financing, BNDES financing, direct store financing, MEI credit, guaranteed loans, sustainable loans, and working capital with competitive rates for the transportation sector.
• Crédito Veículos (Vehicle Financing) Vehicle financing for cars, trucks, buses, vans, and motorcycles with special rates and flexible conditions for acquiring or upgrading vehicles, implements, and equipment.
• Capital de Giro (Working Capital) Working capital credit for businesses to strengthen cash flow, meet operational needs, and maintain operations with quick release and competitive rates.
• Financiamento BNDES (BNDES-Backed Financing) BNDES-backed financing lines including FINAME for new vehicles and FINAME for fleet renewal (Renovação de Frota), with favorable terms for transportation companies to modernize their fleets.
• Investimentos Financeiros (Financial Investments) Fixed-income investment products including savings and financial applications with above-average returns, designed for short, medium, and long-term financial planning.
• Previdência Privada (Private Pension – Prevcoop) Private pension plans (Prevcoop) to complement future income and ensure well-being for loved ones, with potential income tax deduction of up to 12% of annual gross taxable income.
• Seguros Ailos (Insurance Distribution via Ailos Corretora) Insurance distribution including vehicle, life, residential, fleet, business, photovoltaic, and group life insurance, distributed through the Ailos Corretora in partnership with HDI Seguros.
• Consórcios Ailos (Consortium Groups) Consortium groups for acquiring trucks, cars, motorcycles, real estate, services, and travel with over 3,400 contemplations in 2023, offering flexibility and planning without interest payments.
• Plus Frota (Fleet Management) Fleet management solution enabling measurement and data management of fuel consumption per vehicle, identification of most economical drivers, and determination of optimal preventive maintenance timing.
• Gestão de Fretes (Freight Management) Freight management solution including electronic payment card, Vale Pedágio Obrigatório (mandatory toll voucher) management, automated CIOT document generation, and end-to-end freight payment and document handling.
• Tag Plus Frota Transpocred (Electronic Toll Tag) Electronic toll payment tag with VPO system linked to any VPO-issuing system, offering real-time expense control and accepted at toll booths and shopping mall parking across Brazil.
• Cartão Plus Frota Transpocred (Fleet Fuel/Maintenance Card) Modern fleet control card for fuel, maintenance, and vehicle tracking with integrated fuel station networks, provided without acquisition cost or loading fees.
• Cartão VR/VA Transpocred (Meal and Food Benefit Card) Meal and food benefit card combining food and meal allowances on a single card, usable at extensive networks of supermarkets and restaurants.
• Pix (Instant Payments) Instant payment service administered by Brazil's Central Bank, available 24 hours a day with reduced limits between 8pm and 6am.
• Pix Automático (Scheduled/Recurring Pix) Automatic Pix feature for scheduled and recurring payments executed through the Open Finance system.
• Open Finance (Financial Data Integration) Open Finance system enabling financial data sharing and integration with other institutions through standardized APIs, aligned with Brazilian Central Bank regulatory standards.
• Maquininha de Cartão Ailos (Card Payment Terminal / POS) Card payment terminal (POS/mPOS) for business merchants to accept card payments through the cooperative.
• Câmbio (Foreign Exchange) Currency exchange services for individuals and businesses for international transactions.
• Procapcred (BNDES Capital Quota Financing) BNDES-backed credit line financing up to R$ 100,000 per CPF or CNPJ for the acquisition of Capital Quotas (Cotas de Capital), payable in up to 120 months including a grace period, available every 24 months.
• Cota Capital (Capital Share) Capital quota investment earning annual returns based on cooperative results (3.34% yield in 2025), serving as a long-term financial reserve and reducing interest rates on member loans.
• Flash Benefícios (Employee Benefits Package for Businesses) Employee benefits package for businesses including fleet management (Plus Frota) and employee benefit solutions (Cartão VR/VA, Cartão Plus Frota) developed in partnership with Personal Card.
• Habilita+ (CNH Category Upgrade Credit) Specialty credit product for CNH (driver's license) category upgrades with terms up to 48 months and up to 90 days grace period before the first installment, offered in partnership with SETCERGS and CEPORTO.
• Move Brasil Táxi e Aplicativos (BNDES Vehicle Financing for App-Based Drivers) BNDES-backed financing program for new vehicles (flex, hybrid, or electric) up to R$ 150,000 for taxi drivers and app-based drivers, launched in 2025.
• App Ailos+ (Digital Account Opening App) Mobile application enabling 100% digital account opening for new cooperados with services including Pix, payments, transfers, investments, cards, life insurance, capital quotas, and income statements.
• App Ailos (Banking App for Existing Cooperados) Full-service banking application for existing cooperados providing access to Pix, transfers, payments, limits, loans, investments, insurance, pensions, consortia, checks, and mobile recharge.
• Ailos Cartões App (Card Management App) Card management application for tracking Ailos credit and debit cards, generating virtual cards for online purchases, consulting statements, managing limits, blocking/unblocking cards, and accessing the Ganhe Pontos rewards program.
• Ailos Lojista App (Merchant App for CDC Partners) Business application for CDC (Crédito Direto ao Cooperado) accredited merchants to track payments and receivables, analyze cash flow through visual charts, and monitor sales and financial management in real time.

Quantifiable outcome

• 59.3 thousand cooperados served across 52 service points
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

13 partnerships are on record, tiered core and minor.

• Personal CardcoreStrategic or Co-development Partner · 24 November 2022Transpocred and Personal Card formed a strategic partnership to offer comprehensive employee benefits solutions for business cooperados (Pessoa Jurídica). The partnership developed three integrated products: Tag Plus Frota Transpocred (electronic toll payment with VPO integration), Cartão Plus Frota Transpocred (fleet fuel and maintenance card), and Cartão VR/VA Transpocred (meal and food benefit card). Personal Card is a card benefits administrator with over two decades of market experience providing integrated corporate benefits management solutions.
• CNT (Confederação Nacional do Transporte)coreStrategic or Co-development PartnerTranspocred opened an office inside the CNT headquarters building in Brasília (SAUS Quadra 1, Edifício Clésio Andrade) in March 2026, as part of its national expansion strategy. CNT is Brazil's highest-level transport industry association, and the co-location positions Transpocred near key transport policy discussions and industry leadership.
• Sindibras (Sindicato Nacional dos Transportadores de Cargas do Brasil)coreStrategic or Co-development PartnerTranspocred opened an office inside the Sindibras headquarters in Brasília (STRC, Trecho 03, Área Especial) in March 2026, expanding service to transport professionals and companies in the Federal District and Centro-Oeste region. Sindibras is a national freight transport union that represents and advocates for freight transport operators across Brazil.
• HDI SeguroscoreStrategic or Co-development PartnerAilos Corretora (Transpocred's insurance arm) partners with HDI Seguros to provide insurance products including residential, vehicle, life, fleet, and business insurance. HDI provides rapid claims processing and digital portals for policy management, with dedicated email ([email protected]) and WhatsApp support for Ailos cooperados.
• AutoParalelominorChannel Partner/ Reseller/ DistributorTranspocred publishes repossessed assets (bens de repasse) including vehicles, trucks, implements, and equipment on the AutoParalelo platform (autoparalelo.com.br). AutoParalelo aggregates listings from financial institutions, insurers, and auctions, providing a centralized marketplace for Transpocred's repossessed fleet assets.
• SETCERGS (Sindicato dos Transportadores de Cargas do Rio Grande do Sul)minorStrategic or Co-development PartnerPartnership providing exclusive credit conditions (Habilita+) for drivers seeking CNH category upgrades. SETCERGS refers transport professionals to Transpocred's credit solutions, creating a mutually beneficial channel between the transport union and the cooperative.
• CEPORTO (Centro de Formação de Condutores)minorChannel Partner/ Reseller/ DistributorPartnership with CEPORTO driving school to offer Habilita+ credit for CNH category upgrades, facilitating driver professional development and creating referral channels for both organizations.
• FETRAMIG (Federação das Empresas de Transporte de Cargas do Estado de Minas Gerais)minorStrategic or Co-development PartnerTransport federation representing companies in Minas Gerais, visited Transpocred's Brasília inauguration and represents potential market expansion area for the cooperative's services.
• CNTA (Confederação Nacional dos Transportadores Autônomos)minorStrategic or Co-development PartnerNational confederation of autonomous transport operators, visited Transpocred's Brasília inauguration, representing the target individual driver segment (motoristas autônomos) that forms part of Transpocred's core customer base.
• NTC & Logística (Associação Nacional do Transporte de Cargas e Logística)minorStrategic or Co-development PartnerBrazil's national freight transport and logistics association, visited Transpocred's Brasília inauguration. NTC & Logística is a key industry body that could facilitate partnerships and market access for Transpocred's credit solutions among member companies.
• FETRANCESC (Federação das Empresas de Transporte de Cargas do Estado de Santa Catarina)minorStrategic or Co-development PartnerTransport federation from Santa Catarina, Transpocred's home state. FETRANCESC collaborated with Transpocred on exclusive tire purchasing conditions through Sistema Fetrancesc, providing preferential credit for members.
• CIT (Câmara Interamericana de Transportes)minorStrategic or Co-development PartnerInter-American Transport Chamber representing transport operators across the Americas, visited Transpocred's Brasília inauguration, representing potential international networking and market intelligence opportunities.
• TBL Transportes BertoliniminorStrategic or Co-development PartnerMajor logistics and transport company, participated in Transpocred's Brasília inauguration events, representing a potential major cooperado and case study partner for enterprise transport finance solutions.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Sicredi: One of Brazil's largest credit cooperative systems, operating under the same cooperativa de crédito model as Transpocred but with a much broader sector and national footprint. Most directly comparable on governance structure, member-owned capital model, and cooperative dividend mechanics, though Sicredi serves agriculture, healthcare and other sectors beyond transport.
• Sicoob: Largest credit cooperative system in Brazil by member count, sharing the cooperative mutual model, member capital quotas (cotas) and sobras distribution approach. Comparable on business model and regulatory framing, though Sicoob is multi-sector and nationwide while Transpocred is single-sector and regionally concentrated.
• Banco do Brasil: Brazil's largest state-owned bank and a dominant vehicle finance originator, including heavy exposure to BNDES on-lending for trucks and agricultural machinery. Overlaps with Transpocred in transport-sector vehicle credit, consórcio products, and SMB banking, though Banco do Brasil serves all sectors at national scale.
• BV (formerly Banco Votorantim): Major Brazilian consumer and vehicle finance bank, particularly strong in truck and light-vehicle financing. Directly comparable to Transpocred's anchor product (vehicle financing for individuals and SMBs), with overlap in BNDES on-lending and fleet finance, though BV is a for-profit commercial bank at much larger scale.
• Banco PAN: Brazilian bank specializing in vehicle financing, payroll-deducted credit (consignado), and consumer lending. Comparable on vehicle credit underwriting and SMB lending mechanics; competes for the same driver and small fleet-owner customer base that Transpocred targets.
• Itaú Unibanco: Brazil's largest private bank with broad vehicle finance, fleet management and SMB banking offerings. Indirect competitor for the same truck driver and fleet owner persona that Transpocred serves, though Itaú's scale, multi-sector portfolio and digital app ecosystem dwarf Transpocred.

Direct peers

• Unicred: Credit cooperative system built around a specific professional vertical (healthcare professionals), analogous to Transpocred's transport-sector verticalization. Closest structural comp: both operate as cooperatives with member-owned quotas, both offer full banking services including vehicle financing and consortia, both generate revenue from interest spread, fees, insurance distribution and consortium management.
• Cresol: Brazilian credit cooperative system with strong vertical focus (originally agricultural, expanding into SMB) and similar member-owned cooperative model. Comparable on cooperative banking mechanics, member dividend distribution, regional expansion strategy, and provision of vehicle/equipment credit lines.

Emerging players

• Nubank: Brazil's largest neobank and a digital-first competitor that is increasingly moving into vehicle financing, SMB banking and PIX-based lending. Competes with Transpocred on digital account opening, PIX-native experience, and lower-fee banking for younger and more digitally native transport workers.

Others

• Log-In Logística: Brazilian integrated logistics operator with proprietary financial solutions for freight payment and fleet management. Not a credit cooperative but an adjacent ecosystem participant whose fleet payment, tolling and CIOT-related workflows overlap with Transpocred's Gestão de Fretes and Tag Plus Frota offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/transpocred
• YouTubeyoutube.com/@SistemaAilos
• Instagraminstagram.com/transpocred.ailos
• Facebookfacebook.com/Transpocred

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Transpocred