Consignet

What Consignet does

Consignet, founded in 2005 and headquartered in Maringá, Paraná, operates as a specialized SaaS platform within Brazil's DB1 Group techfin ecosystem for managing payroll-deduction (consignado) operations between public employers, financial institutions, and approximately 2 million public servants. The platform functions as a digital averbadora, integrating with 100+ payroll systems used by Brazilian prefeituras, câmaras municipais, and autarquias, and connects natively to government systems (eSocial, SIAPE, SIGEPE, Portal Emprega Brasil, DET) and partner banks such as Banco do Brasil. The core product suite includes the Consignet platform for real-time margin management, automated payroll closing (claimed 95% time reduction), automated averbação, digital margin letter issuance, and a complete audit trail for Tribunal de Contas compliance; the SIG Aplicativo mobile app for public servants; and the Portal do RH and Portal do Servidor for HR and server self-service. The platform processes roughly 6 million contract averbações monthly and has cumulatively handled R$95 billion in consignado transactions across more than 1,700 public-sector clients.

The business model is a freemium two-sided approach with no revenue contribution from the public-sector side: services are offered completely free to prefeituras, autarquias, and government bodies (no implementation or maintenance fees), while monetization comes from annual subscription contracts, integration and compliance fees, and platform access paid by banks and financial institutions. Go-to-market is enterprise field sales targeting state governments, municipalities, and autarchies through a dedicated commercial team, supported by content marketing, a financial-education program ('Bolso em Equilíbrio') with Universidade Estadual de Maringá, and presence at industry events. The company has progressively expanded its certification stack (ISO 27001 in 2018, ISO 27701/37001/37301 and CMMI Level 3 in 2025) and in 2020 expanded its addressable market to private-sector clients, while layering adjacent products such as FGTS anticipation through 2024 partnerships with QI SCD and Singulare. Competitive position rests on regulatory expertise, deep payroll-system integrations, and the cumulative two-decade customer base, with revenue, growth rates, and headcount trajectory not publicly disclosed.

Name

Consignet

Legal name

DB1 Global Software

Website

https://consignet.com.br

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Short description

Consignet is a Brazilian SaaS averbadora that automates payroll-deduction (consignado) loan management for 1,700+ public sector institutions, connecting employers, banks, and public servants via real-time margin tracking and 100+ payroll system integrations.

Ownership category

akta.pro rank

Product category

Payroll Deduction Management Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Credit Intermediation and Related Activities (522)

SIC

Services-Prepackaged Software (7372), Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Government & Public Sector Disbursements (Tax Refunds, Benefits) (FSAMAKAJ)

Keywords

• Payroll deduction management
• Consignado margin software
• Public sector HR automation
• Averbação platform
• Credit payroll services

Headquarters

HQ city

Maringá

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Free Services for Public Sector: Consignet offers its platform completely free for public sector organs (prefeituras, autarchies, and government bodies). No implementation costs, no maintenance fees. This is a strategic positioning to build market dominance in the public sector, with monetization happening through banks and financial institutions who pay for the platform's value in facilitating consignado operations.
2. Bank and Financial Institution Services: Revenue generated from banks and financial institutions who use Consignet's platform to manage consignado contracts, margin verification, and fraud prevention. Financial institutions pay for access to the platform's verified public servant data and automated compliance features.
3. Integration and Compliance Services: Additional services related to system integration with payroll platforms, anti-fraud services, and compliance verification for financial institutions operating in the consignado market.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Consignet is a SaaS platform that automates consignable margin management and payroll deduction operations for Brazilian public sector institutions. It connects public employers, financial institutions, and public servants by integrating with over 100 payroll systems to deliver real-time margin calculation, automated contract averba\u00e7\u00e3o, and full audit trails for Tribunal de Contas compliance. The platform is offered free to public bodies and monetized through subscription fees paid by banks and financial institutions.

Product overview

Consignet is a comprehensive payroll deduction management platform operated by DB1 Group, consisting of a core platform with multiple integrated modules. The core Consignet platform provides automated margin management, contract auditing, and payroll closing for public institutions, connecting to over 100 payroll systems. The product portfolio includes the SIG Aplicativo (mobile app) for servers to check margins and simulate credit, the Portal do Servidor (web portal) for server self-service, and the Portal do RH for HR department management. The platform integrates natively with government systems (eSocial, SIAPE, SIGEPE, Portal Emprega Brasil) and partner banks like Banco do Brasil. Additional offerings include the Bolso em Equilíbrio financial education program.

Differentiator

Problem solved

Functional benefit

Brands

• SIG (Sistema Integrado de Gestão): Mobile application for public servants to check benefits, perform credit simulations, and track their information.

Products and services

• Consignet Platform (Core) Flagship SaaS platform providing real-time consignable margin management, automated payroll closing, contract averba\u00e7\u00e3o, and full audit trails for Brazilian public institutions connecting employers, banks, and public servants.
• SIG Aplicativo (Server Mobile App) Mobile application for public servants to check payroll deduction margins, simulate credit, manage benefits, and track contract information directly from their smartphones.
• Portal do Servidor Web-based portal providing public servants access to their consignable margin, benefit information, and contract details without requiring a mobile app installation.
• Portal do RH Dedicated web portal for public institution HR departments to manage payroll deductions, import/export files, monitor margins, and oversee all consignation contracts.
• Programa Bolso em Equilíbrio Financial education program developed in partnership with the State University of Maringá (UEM), delivering workshops and guidance on conscious credit use, financial planning, and household budget management for public servants.

Quantifiable outcome

• 95% reduction in time spent on payroll closing
• +5 more outcomes

Named customers17 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature7 records

Partnerships

Three partnerships are on record, tiered core, minor and flagship.

• Banco do BrasilcoreStrategic or Co-development Partner · 1 January 2018Consignet completed integration with Banco do Brasil to automate consignado contract operations. The integration enables real-time launch of contracts, termination, and reconciliation of consignado discounts. Banco do Brasil is one of Brazil's largest public banks serving public servants.
• Universidade Estadual de Maringá (UEM)minorStrategic or Co-development Partner · 1 January 2017Partnership with UEM's Sustainable Financial Education project led by Professor Antonio Zotarelli. The collaboration produced the Bolso em Equilíbrio program, which delivers financial education lectures to public servants and society on topics including economy, credit analysis, family budget management, and income optimization during economic crisis.
• DB1 Group (DB1 Global Software)flagshipStrategic or Co-development Partner · 1 January 2000Consignet is a brand and business unit of DB1 Group, a Brazilian technology company with 25 years of experience developing software solutions. DB1 Group serves over 5,000 clients across 19 countries and was a pioneer in implementing corporate governance. Consignet benefits from DB1 Group's techfin ecosystem, shared technology infrastructure, and organizational resources.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Oracle: Oracle HCM Cloud serves large Brazilian employers with payroll and HR functionality, representing a broad incumbent that could expand into averbação-style workflows for enterprise clients.
• SAP: SAP SuccessFactors and SAP HCM offer global HR/payroll platforms used in Brazilian public and private enterprises; potential incumbent threat if native consignado workflow modules are added.
• TOTVS: TOTVS is Brazil's largest enterprise software company with broad HR, payroll, and public-sector solutions that overlap with Consignet's payroll data integration and HR-facing modules, though it does not specialize in consignado averbação.
• Senior Sistemas: Senior provides HR, payroll, and public-sector management software widely used by Brazilian municipalities and states, with overlapping payroll integration capabilities though not focused on consignado averbação.

Others

• Dataprev: Dataprev is a Brazilian federal government technology company that processes public-sector payroll data (notably for INSS), making it an ecosystem participant with overlapping data infrastructure for public servants.
• Banco do Brasil: Banco do Brasil is both a key integration partner and a major consignado lender on Consignet's platform, with overlapping interests in margin verification and averbação services for public servants.
• Serpro: Serpro is Brazil's federal data processing service and a direct integration partner for Consignet's e-consignado workflow, functioning as a public-sector infrastructure provider in the same ecosystem.
• Caixa Econômica Federal: Caixa is one of Brazil's largest public-sector lenders and a major player in consignado for public servants, operating as an ecosystem participant that uses similar payroll integration infrastructure as Consignet.
• QI Sociedade de Crédito Direto: QI SCD is a direct lending partner that uses Consignet's platform for FGTS anticipation products to public servants, representing an ecosystem participant in the payroll-credit value chain.

Direct peers

• Neoconsig: Neoconsig is a direct competitor in the Brazilian consignado averbação and payroll-deduction management space, offering similar margin management and contract registration services to public-sector institutions and lenders.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/consignet
• LinkedInlinkedin.com/company/consignet
• Instagraminstagram.com/consignet

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Consignet