Neoconsig

What Neoconsig does

Neoconsig is a Curitiba-based Brazilian information technology company, founded in 2010 as ExpressoCard and rebranded in 2012, that operates a cloud-based platform for managing Brazil's consignable margin — the portion of a public servant's paycheck that may be deducted for payroll-deductible (consignado) loans. The platform connects three constituencies: state and municipal government agencies (which control payroll deductions), consignatárias (the lending institutions that originate the loans), and the public servants themselves, who access the system through the Meu Consignado consumer app on iOS and Android. Underlying technology includes real-time margin verification, electronic contract averbation, biometric and IP-based access controls, end-to-end encryption, N+1 system redundancy, Tier-3 datacenters, and a modular architecture that lets each government agency and lender configure features to its own workflows. Neoconsig has obtained 5 international ISO certifications (9001, 27001, 27701, 37001, and 20000-1) and positions itself as the pioneer in the market at this compliance level. The platform administers R$24 billion in resources across 150 convênios in 10 Brazilian states, serves 1.8 million public servants, and has 264,000 active Meu Consignado app users; the company has operated since 2010 without visible institutional funding, employs 51-100 people, and expanded internationally in 2020.

Neoconsig monetizes through two primary revenue streams: B2B SaaS subscription/licensing of the Portal Neoconsig platform to consignatárias and government agencies, plus transaction fees on electronic contract averbation and margin verifications processed through the platform. End public servants and government agencies access the system at no direct cost (freemium), while consignatárias pay the B2B fees. The company supplements the core SaaS with an adjacent consumer ecosystem — Use Mais Brasil (1,400+ partners offering discounts, cashback, gift cards) and FaçA Jus (legal assistance) — to deepen stickiness for end users. Distribution combines enterprise field sales with dedicated analyst teams for each customer segment (government agencies, consignatárias, public servants), a self-serve PLG channel via the Meu Consignado app, and a channel partnership for the Use Mais Brasil benefits stack.

Recent strategic posture is one of relationship-led repositioning (2025 rebrand 'Uma nova Neoconsig'), operational scaling (2022 HQ move, workforce doubling), and continued geographic and ecosystem expansion (international push since 2020, ESG engagement via Instituto Caminho de Davi, and WhatsApp-based customer service channels rolled out in early 2026). Customer service is branded around 'Alice', a humanized service persona.

Name

Neoconsig

Legal name

Neoconsig

Website

https://neoconsig.com.br

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

Neoconsig is a Brazilian SaaS company, founded 2010 and headquartered in Curitiba, that operates a cloud-based consignable margin management platform connecting 150 government agencies across 10 states with lending companies (consignatárias) and 1.8 million public servants via the Meu Consignado app.

Ownership category

akta.pro rank

Product category

Payroll Loan Management Software

NAICS

Payroll Services (541214)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Payroll Tax Filing, Compliance & Regulatory Reporting (BPAAAHAB)

Keywords

• Consignable margin management
• Payroll deduction software
• Consigned loan processing
• Government payroll solutions
• Loan averbation platform

Headquarters

HQ city

Curitiba

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. B2B SaaS Platform Licensing: Platform subscription/licensing model for consignatárias and government agencies to access the margin management system
2. Transaction Processing (Averbação): Fees collected for electronic processing of consignable loan contracts and margin verifications

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Neoconsig provides a modular, cloud-based platform that manages and controls consignable (payroll-deducted) margins for Brazilian public servants. The platform connects three sides of the payroll-loan ecosystem: government agencies (which authorize and monitor deductions on payrolls), consignatárias (financial institutions that originate the loans), and public servants themselves, who use the Meu Consignado mobile app to simulate loans, compare interest rates, generate contract tokens, and monitor their available margin in real time. The system handles electronic contract averbation, real-time margin verification, secure authentication, and reporting across 150 government agreements in 10 Brazilian states.

Product overview

Neoconsig offers a modular platform ecosystem for consignable margin management serving three main segments: public servants, lending companies (consignatárias), and public agencies. The core product is the Portal Neoconsig, complemented by the Meu Consignado mobile app which puts public servants in control of their benefits. The company also provides the Alice customer service persona for humanized support and integrates with the Use Mais Brasil/Use Mais Store partner platform for additional employee benefits. The platform manages R$ 24 billion in resources across 10 states, 150 agreements, and serves 1.8 million public servants.

Differentiator

Problem solved

Functional benefit

Brands

• Meu Consignado: Mobile application for public servants to simulate, compare rates, contract benefits, and monitor their consignado in real-time. Features include rate ranking, token generation, margin simulation, statement consultation, and push notifications.
• Use Mais Brasil
• Faça Jus

Products and services

• Portal Neoconsig Cloud-based, modular consignable margin management platform connecting public agencies, lending companies (consignatárias), and private companies. Provides real-time margin management, electronic contract averbation, configurability per client, and comprehensive reporting for Brazilian government agencies and financial institutions originating payroll-deducted loans.
• Meu Consignado Mobile app for Brazilian public servants to simulate payroll-deducted loans, compare interest rates across lenders (Tax Ranking feature), generate contract tokens, access account statements, receive push notifications, and contact support directly. Available free on Google Play Store and Apple App Store.
• Use Mais Brasil Partner benefits platform with over 1,400 partners providing discount clubs, gift cards, cashback, and exclusive discounts at stores, restaurants, and services for public servants and consignatária end customers.

Quantifiable outcome

• R$ 24 billion in resources managed on the platform
• +6 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature9 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Use Mais BrasilcoreGTM or Marketing PartnerUse Mais Brasil is a multi-service platform integrated with Neoconsig's ecosystem, offering more than 1,400 partner discounts, gift cards, cashback, and exclusive deals for public servants and consignatária customers. This partnership extends value-added services to end users at no additional cost.
• Faça JusminorGTM or Marketing PartnerLegal assistance platform connecting lawyers with clients seeking affordable legal consultations, integrated as a benefit within the Neoconsig ecosystem for public servants.
• Instituto Caminho de DaviminorOthersEducational nonprofit that Neoconsig supports through ESG initiatives. The institute promotes reading and writing skills for children through structured, innovative pedagogical programs. Currently present in 11 schools, serving more than 3,000 children.
• Government Agencies (150 Convênios)coreStrategic or Co-development PartnerFormal partnership agreements with 150 government agencies across 10 Brazilian states for consignable margin management. These strategic partnerships form the core of Neoconsig's network, enabling the company to serve 1.8 million public servants.

Scale indicators10 records

Recent moves12 records

Expansion highlights6 records

Direct peers

• Caju: Brazilian employee benefits and meal-card platform that distributes flexible benefits via employer payroll integrations; targets a similar employee-lifestyle stake and competes for the same employer/HR-tech wallet as Neoconsig.
• Convenia: Brazilian HR, benefits and payroll management SaaS for SMBs and mid-market; comparable platform model serving employers and employees around payroll deductions and benefits administration.
• FolhaMax: Brazilian payroll management and HR platform focused on payroll calculation, deductions and compliance; directly comparable to Neoconsig's payroll-deduction and compliance positioning.

Others

• QI Tech: Brazilian embedded finance and credit infrastructure provider powering lender workflows including payroll-deducted credit; an adjacent ecosystem enabler comparable to Neoconsig's platform layer for credit and margin operations.

Broad incumbents

• Contabilizei: Large Brazilian accounting and payroll SaaS for SMBs and individuals; comparable in payroll processing, tax compliance, and recurring SaaS model for Brazilian employers and employees.
• Banco Pan: Major Brazilian lender with a large consignado book and proprietary digital channels; relevant peer because it is both a Neoconsig customer (consignat\u00e1ria) and a potential disintermediator of third-party margin platforms.

Emerging players

• S\u00f3lides: Brazilian HR-tech platform spanning recruitment, payroll and people management; overlaps with Neoconsig in employer-side payroll and HR workflow tooling for the Brazilian market.
• Pontotel: Brazilian cloud HR and payroll SaaS for SMB employers; competes for similar employer-customer relationships and payroll-administration workflows in Brazil.
• Z1 (formerly Zapay): Brazilian fintech building consumer and B2B payment/margin products adjacent to payroll-deduction workflows; overlaps with Neoconsig in digitizing deductions and financial services for Brazilian workers.

Regional players

• Dataprev: Brazilian state-owned IT company processing social security and public-sector payroll data; serves overlapping government customers and could be a competitor or partner for public-sector payroll margin management.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInbr.linkedin.com/company/neoconsig

Compliance5 records

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 Neoconsig