O2 Capital

What O2 Capital does

O2 Capital (legally IRIS3P Agente Autônomo de Investimentos S/S LTDA, CNPJ 30.545.418/0001-45) is a Brazilian investment advisory firm headquartered in São Paulo, founded in 2020 by financial-market professionals with more than 20 years of experience. The firm operates as a preposto (authorized agent) of Banco BTG Pactual S/A under CVM Resolution 178 and ANCORD certification, distributing BTG's full product suite — Tesouro Direto, Renda Fixa (CDB, LCA, LCI, CRI/CRA, Debentures), Ações, Fundos de Investimento, Fundos Imobiliários, COE, and previdência privada — to high-net-worth individuals segmented into four tiers from up to R$100k to above R$1M.

The firm's core proprietary technology is IFPTool®, a registered trademark and financial planning methodology that collects client financial and life information and generates a 100% personalized financial independence plan mapped across six life pillars. The methodology follows a five-step workflow: information collection, IFPTool® diagnosis, plan execution, result monitoring, and constant revision. The platform supports, rather than replaces, the dedicated-assessor model in which each client is assigned an exclusive investment advisor. O2 Capital supplements the core BTG product suite with estate succession planning, international/offshore market access, risk management, and real estate credit advisory, delivered by a team of 100+ collaborators.

O2 Capital's revenue is generated through transaction-based commissions on financial products sold to clients via the BTG Pactual platform. Go-to-market is sales-led: prospective clients submit contact forms on the website segmented by investment bracket, and dedicated assessors follow up personally. The firm ranks 1st in Fixed Income (Destaque em Renda Fixa) and Top 20 by size among BTG Pactual's 140 partner offices. There is no public pricing schedule, and no revenue, AUM, or headcount time-series is disclosed in the source material.

Name

O2 Capital

Legal name

IRIS3P Agente Autônomo de Investimentos S/S LTDA

Website

https://o2capital.com.br

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

51–100 employees

Short description

O2 Capital is a São Paulo-based investment advisory firm operating as an authorized agent of Banco BTG Pactual, serving high-net-worth individuals with personalized financial planning via its proprietary IFPTool® methodology and a 100+ advisor team.

Ownership category

akta.pro rank

Product category

Investment Advisory

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Institutional Consulting RIAs (OCIO/Endowments/Foundations/Pensions) (FSAAACAG)

Keywords

• Investment advisory services
• Wealth management
• Financial planning
• Fixed income advisory
• Estate planning services

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Commissions (BTG Pactual): O2 Capital earns commissions and fees from financial products sold to clients through the BTG Pactual platform. As a registered investment advisor (assessoria de investimentos) acting as preposto of Banco BTG Pactual, it is compensated through the bank's distribution arrangement for referring and advising on products such as Tesouro Direto, Renda Fixa, Ações, Fundos de Investimentos, Fundos Imobiliários, COE, and previdência privada.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

O2 Capital is a Brazilian investment advisory firm that delivers personalized financial independence planning supported by its proprietary IFPTool® methodology and distributes financial products from Banco BTG Pactual S/A (Tesouro Direto, Renda Fixa, Ações, Fundos de Investimento, Fundos Imobiliários, COE, previdência privada, international/offshore investments) as a registered preposto of the bank. Clients are assigned dedicated assessors who build, execute, and continuously monitor a customized financial plan across six life pillars. The firm also provides estate succession planning and access to specialized wealth management, risk management, and real estate credit teams.

Product overview

O2 Capital is an investment advisory firm offering a unified platform combining proprietary financial planning technology with comprehensive investment services. The core product is the IFPTool®, a proprietary technology that generates personalized financial plans based on six life pillars. This is complemented by a full suite of investment products including government bonds (Tesouro Direto), fixed income securities (CDB, LCA, LCI, CRI/CRA, Debentures), investment funds, real estate funds, stocks, and structured products (COE). Services extend to private pension, international market access, and estate planning. All investment products are distributed through their partnership with BTG Pactual, one of Latin America's largest investment banks.

Differentiator

Problem solved

Functional benefit

Products and services

• IFPTool® Proprietary registered-trademark financial planning technology that maps a client's complete financial and life information across six life pillars to produce a 100% personalized financial independence plan, with ongoing monitoring and revisions. Used by O2 Capital assessors for HNWI and mass-affluent clients in Brazil.
• Investment Advisory Services Personalized investment advisory services covering fixed income, variable income, investment funds, real estate funds, and international market investments, distributed through the BTG Pactual platform. A dedicated exclusive advisor is assigned per client, supported by IFPTool® planning and ongoing review.
• Tesouro Direto (Government Bonds) Direct Brazilian government bond investments including Tesouro Selic, Tesouro Prefixado, and Tesouro IPCA+ options, with various maturity terms and return structures, offered to clients via the BTG Pactual platform.
• Renda Fixa (Fixed Income) Fixed income investment products including CDB (Certificado de Depósito Bancário), LCA (Letra de Crédito do Agronegócio), LCI (Letra de Crédito Imobiliário), CRI/CRA, and Debentures, distributed through BTG Pactual.
• Fundos de Investimento (Investment Funds) Investment fund products including Fixed Income Funds, Variable Income Funds, Currency Funds, and Multi-market Funds, offered to clients via the BTG Pactual platform.
• Fundos Imobiliários (Real Estate Funds) Real estate investment funds including Brick funds (Tijolos), Receivables funds (Papel), Development funds, and Fund of Funds (FOFs), offered to clients via the BTG Pactual platform.
• Ações (Stocks) Stock investments on the Brazilian stock exchange including Ordinary shares (Ações Ordinárias), Preferred shares (Ações Preferenciais), and Units, offered to clients via the BTG Pactual platform.
• COE (Certificados de Operações Estruturadas) Structured operations certificates offering potential equity-like returns with fixed income security, structured based on market scenarios selected according to investor profile, distributed via the BTG Pactual platform.
• Previdência Privada (Private Pension) Private pension plans for building wealth monthly with favorable tax treatment, offered to clients via the BTG Pactual platform.
• Mercado Internacional (International Market) International market investments including dollar-denominated assets providing access to global investment opportunities with expert advisor guidance, offered via the BTG Pactual platform.
• Sucessão Patrimonial (Estate Planning) Estate succession planning service with a structured team providing solutions to protect assets and ensure family access to legacy, for Brazilian HNWI households.

Quantifiable outcome

• Ranked 1st in Fixed Income (Destaque em Renda Fixa) among 140 BTG Pactual partner offices
• +1 more outcomes

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Banco BTG Pactual S/AcoreChannel Partner/ Reseller/ DistributorO2 Capital is a registered investment advisory firm (assessoria de investimentos) acting as preposto (authorized agent) of Banco BTG Pactual S/A, distributing the bank's full suite of financial products including Tesouro Direto, Renda Fixa, Ações, Fundos de Investimentos, Fundos Imobiliários, COE, and previdência privada. O2 Capital is one of the top 20 largest partner offices among 140 in the BTG Pactual network and holds the 1st place ranking in Fixed Income performance within the network. Registration with CVM under Resolução CVM 178.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• XP Investimentos: Brazil's largest independent investment platform and assessorias network, serving HNW and mass-affluent clients with proprietary advisory, funds, and product distribution. Directly comparable to O2 Capital in target customer, distribution model, and reliance on proprietary planning tools.
• Warren Investimentos: Brazilian digital wealth management platform offering personalized advisory and portfolio management to retail and HNW investors. Comparable in HNW target segment and focus on proprietary technology for financial planning, though more digital-first than O2 Capital.
• Órama Investimentos: Independent Brazilian investment platform offering advisory and wealth management to retail and HNW clients with a multi-product distribution model similar to O2 Capital's BTG Pactual setup.
• Genial Investimentos: Brazilian broker and wealth manager operating a partner-office (agentes) model distributing proprietary and third-party products. Directly comparable to O2 Capital's partner-distribution advisory structure.
• Rico Investimentos: Brazilian investment platform serving retail and HNW clients with advisory, funds, fixed income, and stock distribution. Comparable in customer segment, multi-product distribution, and assessores-led service model.
• Modal Mais: Brazilian digital broker and advisory platform with HNW and mass-affluent focus, distributing investment products through its own platform. Comparable to O2 Capital in target customer and product breadth.

Broad incumbents

• Banco BTG Pactual: Latin America's largest independent investment bank and O2 Capital's distribution partner. Operates its own digital advisory and wealth management channels (BTG Pactual Digital, Private Bank) that overlap with O2 Capital's offering, while also being the firm's core product provider.
• Itaú Personalvité (Itaú Private Bank): Brazil's largest private bank serving HNW and ultra-HNW clients with comprehensive advisory, succession, offshore, and investment services. Comparable as a broad incumbent competing for the same HNW clients targeted by O2 Capital.

Emerging players

• Mirae Asset (Brasil): Brazilian arm of Asian asset manager Mirae Asset, offering investment advisory and funds distribution to retail and HNW clients. Comparable in investment advisory focus but more emerging and less established in the HNW advisory segment than O2 Capital.
• Easynvest (Nubank): Digital investment platform acquired by Nubank, offering advisory, fixed income, funds, and stock distribution to retail and emerging-HNW clients. Comparable in advisory-and-distribution model but positioned as a digital-first, lower-touch alternative to O2 Capital.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks2 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/o2.capital
• LinkedInlinkedin.com/company/o2capitalaai

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 O2 Capital