CrediSIS

Name

CrediSIS

Legal name

CrediSIS – Central de Cooperativas de Crédito Ltda.

Website

https://credisis.com.br

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Ji-paraná

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, Others

Revenue model

1. Interest Income from Credit Operations: As a credit union cooperative, CrediSIS's primary revenue derives from interest charged on loans and credit facilities extended to members, including personal loans, payroll loans (consignado), overdraft, revolving credit, and financing. Interest income constitutes the core earnings driver.
2. Credit Product Fees: Fees associated with credit products including origination fees, assessment fees for card limits, and other credit-related service charges.
3. Card Fees and Charges: Annual fees (anuidade) on credit and debit cards, with monthly installment payment options. Cards include Cabal Essencial, Mastercard Gold, Mastercard Platinum, and business cards. Fee reduction or waiver options are available based on member relationship.
4. Investment Product Revenue: Revenue from managing member deposits placed in investment products including RDC (Recibo de Depósito Cooperativo), LCA (Letra de Crédito do Agronegócio), and private pension plans (VGBL/PGBL), where the cooperative earns spreads and administrative fees.
5. Insurance and Pension Product Distribution: Revenue from distributing insurance products (life, auto, residential, dental, professional liability) and private pension plans, earning commissions from insurance partners.
6. Insurance Premium Revenue: Premiums collected from members for insurance coverage including life, auto, residential, dental, professional liability, and travel insurance.
7. Consortium (Consórcio) Administration: Revenue from administering group purchasing consortiums for real estate, vehicles, heavy vehicles, motorcycles, services, and solar panels. Administration fees and fines for delayed payments contribute to revenue.
8. Service Fees and Transaction Charges: Fees for services such as account maintenance, check processing, collection services via CrediSIS Cobrança, point-of-sale (maquininha de cartão) services, and other banking services.
9. Business Account Services: Revenue from business members including account services, credit facilities (capital de giro, working capital loans), card services, and collection solutions.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

CrediSIS is a Central de Cooperativas de Crédito (credit union central) that delivers cooperative financial services through 14 affiliated credit unions across multiple Brazilian states. Its portfolio covers checking accounts, Mastercard-branded credit and debit cards, personal and business credit facilities, RDC and LCA investment products, life/auto/residential/dental/professional liability insurance, consortium plans, and VGBL/PGBL private pension, distributed through physical branches plus the App CrediSIS mobile banking and Internet Banking digital channels.

Product overview

CrediSIS is a Central de Cooperativas de Crédito (Credit Union Central) operating across multiple Brazilian states, offering a comprehensive cooperative financial services platform. The portfolio centers on Conta CrediSIS (checking accounts for individuals and businesses) as the core product, supplemented by Mastercard credit and debit cards (Cabal Essencial, Mastercard Gold, Mastercard Platinum, Mastercard Empresarial), diverse credit solutions (personal loans, payroll loans, rotating credit, financing), investment products (RDC with FGCoop protection, LCA agribusiness notes with IR exemption), insurance (life, auto, dental, residential, professional liability), consortium plans (real estate, vehicles, solar panels), and private pension (VGBL/PGBL). Digital channels include the App CrediSIS mobile banking and CrediSIS Cobrança billing platform integrated with CIP. The cooperative model provides members ownership, profit sharing (sobras), and democratic governance.

Differentiator

Problem solved

Functional benefit

Brands

• RDC (Recibo de Depósito Cooperativo): Investment product offered by CrediSIS credit cooperatives allowing cooperative members to deposit financial resources.
• LCA (Letra de Crédito do Agronegócio)
• VGBL (Vida Gerador de Benefício Livre)
• PGBL (Plano Gerador de Benefício Livre)
• Conta Kids
• CrediSIS Consórcios

Products and services

• Conta CrediSIS (Conta Corrente – Pessoa Física) Individual (Pessoa Física) checking account that anchors the cooperative relationship: deposits, withdrawals, transfers, PIX, check services, and gateway to credit, cards, investments and insurance.
• Conta Pessoa Jurídica CrediSIS Business checking account for MEI, Simples Nacional and larger companies with cooperative member-ownership benefits and integrated access to working capital, business cards, billing and insurance.
• Cartão Cabal Essencial Multi-function (credit and debit) card on the Cabal network with international acceptance, Banco24Horas ATM access and in-app spend management.
• Cartão Mastercard Gold Mastercard credit card for individuals with 1.2 points per dollar, Mastercard Global Service, extended warranty, purchase and price protection, Surpreenda loyalty and AIG travel insurance.
• Cartão Mastercard Platinum Premium Mastercard credit card for individuals with 1.5 points per dollar, Mastercard Travel & Concierge service, MasterSeguro rental car insurance, MasterAssist Plus medical assistance and Mastercard Travel Rewards cashback.
• Cartão Mastercard Empresarial Business Mastercard credit card with 1.0 point per dollar, extended warranty, Mastercard Global Service, MasterSeguro rental car insurance, purchase protection, ATM theft protection, Surpreenda loyalty and MasterCoverage corporate fraud protection.
• Crédito CrediSIS Comprehensive consumer credit suite for individual members: overdraft, credit cards, revolving credit, personal loans, payroll-deducted (consignado) loans, salary and 13th-salary advance, income-tax refund advance, financing and refinancing.
• Recibo de Depósito Cooperativo (RDC) Cooperative deposit-receipt investment product offering fixed or post-fixed (CDI/SELIC) returns, no cost on subscription or redemption, regressive IR taxation, and FGCoop protection up to R$250,000 per CPF/CNPJ.
• Letra de Crédito do Agronegócio (LCA) Agricultural credit note investment for individual and corporate investors with fixed or floating rates, IR exemption for individuals, no IOF regardless of term, and FGC guarantee up to R$250,000 per CPF/CNPJ, financing the agricultural, agroindustrial and livestock value chain.
• Seguro CrediSIS Cooperative-distributed insurance portfolio for individual and business members covering life, automobile, residential, dental, professional liability and travel risks, with customizable coverage and add-on options.
• Consórcio CrediSIS Group-purchasing consortiums administered by CrediSIS for real estate, automobiles, heavy vehicles, motorcycles, services and solar panels, enabling asset acquisition through monthly contributions, draws and bids without charging interest.
• Previdência Privada CrediSIS (VGBL / PGBL) Private pension plans VGBL (Vida Gerador de Benefício Livre) and PGBL (Plano Gerador de Benefício Livre) with progressive or regressive IR tables, succession benefits, flexible risk profiles and tailored suitability between simplified and full IR filers.
• Conta Kids Savings and current account for minors under 18 years including a Mastercard Gold debit card, spending tracking, scheduled investments and an automatic transition to a standard CrediSIS account upon turning 18.
• CrediSIS Cobrança Proprietary digital billing platform that lets businesses issue registered boletos through the Câmara Interbancária de Pagamentos (CIP), retrieve second-via slips and integrate collection processes with their internal systems.
• App CrediSIS (Internet Banking Móvel) Mobile banking application for iOS and Android that allows members to access accounts, review statements, execute transfers and PIX, pay bills, manage cards (including virtual issuance, blocking/unblocking) and track investments.
• Maquininha de Cartão CrediSIS Point-of-sale (POS) card terminal offered to business members to accept card payments securely and settle funds through their CrediSIS cooperative business account.
• Capital de Giro CrediSIS Working capital credit facility for cooperative business members designed to fund ongoing operations, with pricing set by the cooperative based on borrower income and term.

Quantifiable outcome

• Over R$300 million in financial operations moved, setting a record for the Sicredi RRS System in 2026
• +2 more outcomes

Named customers10 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• SicredicoreStrategic or Co-development PartnerCrediSIS operates as part of the Sicredi cooperative system, a nationwide Brazilian credit union network. The June 2026 news reports CrediSIS set a record for the Sicredi RRS (Regional Sicredi System), indicating a structured partnership within the Sicredi confederation.
• MastercardcoreTechnology or IntegrationCrediSIS issues Mastercard-branded credit and debit cards including Cabal Essencial (multi-function), Mastercard Gold, Mastercard Platinum, and Mastercard Empresarial. Cards include Mastercard Global Service, insurance programs, loyalty programs (Surpreenda, Surpreenda loyalty), and fraud protection features.
• Banco Central do Brasil (BCB)coreOthersCrediSIS operates as a regulated credit union under the supervision of the Banco Central do Brasil. The BC Protege initiative (Resolution CMN No. 5218) and FGCoop coverage are mandated by the Central Bank. CrediSIS is subject to BCB regulatory oversight.
• FGCoop (Fundo Garantidor do Cooperativismo de Crédito)coreOthersMember deposits and investments in CrediSIS products (RDC) are protected by FGCoop up to R$250,000 per CPF or CNPJ. FGCoop is the official deposit guarantee fund for Brazilian credit unions.
• Banco24HorasminorOthersCrediSIS cardholders can withdraw cash and access banking services at Banco24Horas ATMs across Brazil, providing expanded physical access beyond the cooperative's own ATM infrastructure.
• AIG (Travel Insurance)minorOthersMastercard Gold cardholders receive AIG travel insurance with medical expenses coverage for trips abroad (accident or sudden illness). Insurance programs are underwritten by AIG.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Strengths5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCTQzOLuEgxOpcKBwEP30Zuw/videos
• Facebookfacebook.com/credisis
• LinkedInlinkedin.com/company/credisis
• Instagraminstagram.com/credisis

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries15 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 CrediSIS