What Singulare does

Singulare, operating commercially as QI Tech, is a Brazilian financial market infrastructure provider headquartered in São Paulo and incorporated as QI Sociedade de Crédito Direto S.A., with a parallel securities broker entity, QI CTVM Ltda., both authorized by Banco Central do Brasil and CVM. The company delivers a vertically integrated platform spanning five core product lines: Risk Solutions (compliance onboarding, Pix anti-fraud, credit engine, electronic signature), Banking as a Service (digital accounts, white-label banking, payment orchestration), Lending as a Service (multi-modal credit issuance including CCB, commercial notes, consignado, automotive, BNPL), Debt Capital Markets (escrow, CCB/CCI/CCE issuance, boleto, liquidating bank), and Fund Administration & Custody for FIDC, FII, FIF, and Fiagro vehicles under CVM Resolution 175.

The technology backbone is an API-first platform with native integrations to B3 (the Brazilian stock exchange) and CERC (the credit rights exchange), supporting 24/7 transaction processing, electronic settlement (chancela eletrônica), real-time fund information, and same-day (D+0) closing and quotation. At scale, QI Tech administers over 1,000 funds including more than 740 FIDC vehicles and reports in excess of R$170 billion in assets under administration.

Revenue is generated through a mix of recurring subscription fees for administration and custody (typically tied to assets under administration), transaction-based fees for electronic settlement and API/integration usage, and product-specific pricing for DCM, BaaS, and LaaS offerings. Go-to-market is sales-led through direct enterprise engagement with fund managers and financial institutions, layered on top of an API-driven technical channel for clients integrating the rails directly. Customer concentration sits within a single vertical (Brazilian capital markets) but is distributed across a large fund-manager base, and operations are limited to the Brazilian domestic market with non-resident investor support as the first step toward international distribution.

Name

Singulare

Legal name

QI Sociedade de Crédito Direto S.A.

Website

https://singulare.com.br

Company type

Private

Founded year

1967

Operating status

Operating

Headcount range

101–250 employees

Short description

Singulare, operating as QI Tech, is a Brazilian financial market infrastructure platform providing fund administration, custody, banking-as-a-service, lending-as-a-service, and DCM technology for fund managers and financial institutions under CVM Resolution 175.

Ownership category

akta.pro rank

Product category

Financial Infrastructure Software

NAICS

Computer Systems Design Services (541512), Computer Systems Design and Related Services (54151), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182), Custom Computer Programming Services (541511)

SIC

Security Brokers, Dealers & Flotation Companies (6211), Services-Computer Integrated Systems Design (7373), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Neobank Core Platform (Retail/SME Digital Bank) (FSAGAAAA)

akta.pro secondary industries

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Card Issuing & Program Management Platforms (BPAMAFAH)

Keywords

• Fund administration services
• Investment custody platform
• Banking as a service
• Debt capital markets infrastructure
• Credit infrastructure technology

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Fund Administration Services: Fees charged for administering and managing investment funds including FIDCs, FIFs, FIIs, and Fiagros. Revenue is likely based on Assets Under Administration (AUA) or flat fees per fund, typical for Brazilian fund administration providers.
2. Custody Services: Custody fees for safekeeping and control of fund assets and securities.
3. API and Integration Services: Technology integration fees for connecting fund operations with B3, CERC, and other market infrastructure via API.
4. Electronic Settlement (Chancela Eletrônica): Transaction processing fees for automated electronic settlement of fund operations.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Singulare's underlying content describes QI Tech as a Brazilian financial market infrastructure platform providing structuring, administration, custody, and controlling services for investment funds (FIDC, FIF, FII, Fiagro), alongside Banking-as-a-Service, Lending-as-a-Service, DCM (Debt Capital Markets), and Risk Solutions. The platform is built on API architecture enabling 24/7 transaction processing, electronic settlement, real-time fund information, and compliance with CVM Resolution 175, with native integrations to B3 and CERC market infrastructure.

Product overview

QI Tech operates as a financial market infrastructure platform offering five integrated core product lines: Risk Solutions for compliance, fraud prevention, and credit decisioning; Banking as a Service for digital banking and payment infrastructure; Lending as a Service for multi-modal credit issuance; DCM (Debt Capital Markets) for commercial paper and instrument issuance; and Administração e Custódia for investment fund administration and custody. The platform is built on API-based architecture supporting 24/7 operations, real-time information processing, and full compliance with Brazilian financial regulations including CVM Resolution 175. Sub-products including QI Sign (electronic signature), CertifiQI (digital certification), and specialized banking services complement the core offerings.

Differentiator

Problem solved

Functional benefit

Brands

• QI CTVM: Corretora de títulos e valores mobiliários - securities broker subsidiary authorized by Banco Central do Brasil and CVM
• Risk Solutions
• Banking as a Service
• Lending as a Service
• DCM
• CertifiQI
• QI Sign

Products and services

• Risk Solutions Risk management platform for financial services operations featuring automated onboarding, Pix anti-fraud, customizable credit engine, and electronic signature capabilities; targeted at financial institutions and fintechs.
• Banking as a Service Digital banking infrastructure that enables clients to create white-label banks, manage digital accounts, process high-volume transactions, issue prepaid/postpaid cards, and operate payment services (TED, Pix, boleto, automatic Pix); targeted at fintechs and financial institutions.
• Lending as a Service Credit infrastructure platform supporting CCB and commercial note issuance, installment credit, payroll-deducted credit (private and public), automotive financing, BNPL, and correspondent banking services; targeted at lenders, fintechs, and financial institutions.
• DCM (Debt Capital Markets) Capital markets infrastructure for issuing commercial notes and instruments (CCB, CCI, CCE), managing escrow accounts, boleto generation, liquidating bank settlement, and white-label solutions with electronic signatures; targeted at issuers and financial institutions.
• Administração e Custódia (Fund Administration & Custody) Investment fund administration and custody covering structuring, administration, custody, controlling, and distribution of FIDC, FII, FIF, and Fiagro funds (including non-resident investor support), fully compliant with CVM Resolution 175; targeted at fund managers managing 1,000+ funds and R$170+ billion in AUA.

Quantifiable outcome

• Real-time fund information and D+0 closing reduces decision latency for fund managers
• +3 more outcomes

Segments5 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Three partnerships are on record, tiered core and supporting.

• B3 (Bolsa Brasileira de Valores)coreTechnology or IntegrationNative API integration with B3, Brazil's primary stock exchange and market infrastructure provider. Enables real-time data exchange, transaction settlement, and market connectivity for fund operations managed through QI Tech's platform.
• CERC (Companhia Estadunidense de Securitização)coreTechnology or IntegrationNative API integration with CERC (credit rights exchange). Enables seamless credit rights transaction processing and settlement, critical for FIDC fund operations involving credit rights.
• Major Brazilian Law FirmssupportingImplementation/ SI/ Consulting PartnerPre-elaboration of standardized fund structuring documents in partnership with major Brazilian law firms. This collaboration accelerates fund launch timelines and ensures regulatory compliance from inception.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mambu: Cloud-native core banking and lending-as-a-service platform serving neobanks and embedded finance providers globally. Comparable to QI Tech's BaaS and LaaS product architecture and API-first delivery.
• Vortx Distribuidora de Títulos e Valores Mobiliários: Brazilian DTVM providing fund administration, custody, and structuring services for FIDC, FII, and other investment funds. Most direct competitor to QI Tech in the Brazilian fund administration market.

Regional players

• Banco Modal (Modalmais): Brazilian digital bank offering custody, brokerage, and investment products. Comparable on BaaS-style digital banking infrastructure delivered in the Brazilian market.
• Solución Financiera (Grupo BTG Latam): Latin American fund administration and custody services provider with regional presence. Comparable to QI Tech in fund structuring and administration across multiple Latam markets.

Broad incumbents

• BTG Pactual: Major Brazilian investment bank with growing digital banking and fund services operations. Competes in custody and fund administration while offering broader capital markets services.
• Temenos: Global core banking and fund accounting software platform serving banks and asset managers worldwide. Comparable to QI Tech's administration and custody technology stack at an enterprise software level.
• XP Inc. Large Brazilian financial services platform offering brokerage, asset management, and fund administration through XP DTVM. Overlaps with QI Tech on fund administration and custody, with broader distribution scale.
• Genial Investimentos: Brazilian broker-dealer offering investment funds, custody, and asset management services. Overlaps with QI Tech in DTVM-adjacent fund services for retail and institutional clients.
• B3: Brazilian stock exchange and market infrastructure operator that QI Tech integrates with natively. Operates adjacent clearing, settlement, and registry services that overlap with parts of QI Tech's offering.

Emerging players

• Pismo: Brazilian-founded cloud-native core banking and payments platform for issuing banks and fintechs. Comparable to QI Tech's Banking-as-a-Service and payment infrastructure product layer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xinstagram.com/qitech
• YouTubeyoutube.com/@qitechoficial/videos
• LinkedInlinkedin.com/company/qi-tech
• Instagraminstagram.com/qitech

Revenue estimate

Valuation estimate

Number of profiles

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 Singulare