ACREFI

What ACREFI does

ACREFI (Associação Nacional das Instituições de Crédito, Financiamento e Investimento) is a Brazilian non-profit industry association founded in 1958, headquartered in São Paulo, that represents, connects, and drives the development of credit, financing, and investment institutions regulated by Banco Central do Brasil. Its membership of 70+ institutions collectively represents more than half of the Brazilian financial credit market portfolio, spanning retail banks (Itaú Unibanco, Banco do Brasil, Bradesco, Santander, C6 Bank, Porto Seguro, Sicoob, Crefisa), automotive finance arms (Banco Volkswagen, Banco Toyota, Banco Mercedes-Benz, Banco Caterpillar, Banco CNH Capital, Banco John Deere), and fintech/tech players (Creditas, Dock, Belvo, Cloud Walk).

The association monetizes across six revenue streams: annual membership subscriptions, CERTICREFI professional certification fees, Acrefi Educação course fees (online 32h, in-person 16h, hybrid formats covering credit, risk, and LGPD compliance), industry event revenue (Panorama de Veículos, Semana ENEF, Fórum Bancos & Banking), specialized publications (Radar, Autoacrefi, Visão Financeira, Report Acrefi, Revista Financeiro), and managed digital services. The technology stack—delivered via a strategic partnership with AVIVATEC—comprises system maintenance, dedicated development squads, financial APIs and data, Infrabanking & SaaS, SNOC security monitoring, security scoring, penetration testing, infrastructure management, backup management, and DR/contingency environments. Additional commercial products include the Selo PLD anti-money laundering compliance seal and the Taxa Auto Acrefi B3 reference auto loan rate index co-anchored with B3.

ACREFI operates a sales-led, single-country (Brazil) go-to-market built around a member portal (portal-novo.acrefi.org.br), direct membership outreach with an 'Associe-se' CTA, the Acrefi Educação platform, and content/event marketing through LinkedIn, YouTube, Instagram, publications, and flagship events. Pricing is not publicly disclosed and is set via direct contact for institutional membership. Ownership and governance are distributed across member institutions; no parent company, equity sponsor, or public listing is present in the data.

Name

ACREFI

Legal name

Acrefi - Associação Nacional das Instituições de Crédito, Financiamento e Investimento

Website

https://acrefi.org.br

Company type

Private

Founded year

1958

Operating status

Operating

Headcount range

11–50 employees

Short description

ACREFI is a Brazilian non-profit industry association founded in 1958 that represents 70+ credit, financing, and investment institutions regulated by Banco Central do Brasil, collectively holding more than half of the country's credit market portfolio. It monetizes via membership subscriptions, CERTICREFI professional certification, Acrefi Educação training, events, publications, and managed digital/infrastructure/security services delivered with AVIVATEC.

Ownership category

akta.pro rank

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Membership Fees: Annual membership fees from over 70 associated financial institutions in Brazil. Members gain access to certifications, education, events, publications, and digital solutions ecosystem.
2. Certification Fees (CERTICREFI): Professional certification fees for financial sector professionals, similar to ANBIMA certifications for investment agents and real estate brokers.
3. Education and Training: Course fees for professional development programs in credit management, risk management, LGPD compliance, and other financial sector topics. Formats include in-person, online, and hybrid.
4. Event Revenue: Fees from industry events including Panorama de Veículos, Semana ENEF, and Fórum Bancos & Banking.
5. Publications: Revenue from specialized publications including Radar, Autoacrefi, Visão Financeira, Report Acrefi, and Revista Financeiro.
6. Digital Solutions: Technology services including system maintenance, product development, APIs, infrastructure management, and cybersecurity services provided to member institutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

ACREFI is a Brazilian trade association founded in 1958 that represents over 70 financial institutions regulated by Banco Central do Brasil. The organization provides professional certifications (CERTICREFI), education and training programs (Acrefi Educação), industry events, specialized publications, and digital solutions including system maintenance, APIs, infrastructure management, and cybersecurity services to its member institutions in the credit and financial sector.

Product overview

Acrefi is an industry association for Brazilian financial institutions, offering a portfolio of operational and support services rather than a unified software product. The core offerings include three digital service pillars: Soluções Digitais (digital solutions covering system maintenance, product development, development squads, financial APIs, and infrabanking/SaaS), Segurança (security services including monitoring, security scoring, pentest, and vulnerability management), and Infraestrutura (infrastructure management with backup and contingency services). Additionally, Acrefi provides professional development through Acrefi Educação (courses in credit risk and LGPD compliance), maintains the CERTICREFI professional certification program, publishes industry research through its news/publications platform, and organizes events for the credit sector. The association has over 70 member institutions representing more than half of Brazil's financial credit portfolio.

Differentiator

Problem solved

Functional benefit

Brands

• Acrefi Educação: Education platform offering courses for financial market professionals in formats including online, in-person, and hybrid.
• CERTICREFI
• Selo PLD
• Taxa Auto Acrefi B3
• Acrefi Digital Solutions

Products and services

• Soluções Digitais Acrefi Digital solutions portfolio including system maintenance, product development, development squads, financial APIs and data, infrabanking and SaaS offerings, and innovation services for financial institutions.
• Segurança Acrefi Security solutions including SNOC monitoring, security scoring, penetration testing, antivirus, and vulnerability management services for member institutions.
• Infraestrutura Acrefi Infrastructure management services including infrastructure management, backup management, and contingency environment services to ensure operational continuity.
• Acrefi Educação Professional education platform offering courses in risk and credit management, LGPD in the financial market, and other training programs for financial sector professionals in online (32h), in-person (16h), and hybrid formats.
• CERTICREFI Professional certification program for the Brazilian credit market, providing credibility and recognition for professionals similar to certifications for investment advisors and real estate brokers.
• Taxa Auto Acrefi B3 Reference auto loan rate index provided by Acrefi for the Brazilian market.
• Selo PLD Anti-money laundering (AML) compliance seal for member institutions demonstrating adherence to prevention of money laundering standards (Prevenção à Lavagem de Dinheiro).
• Publicações Acrefi Industry publications including Radar, Autoacrefi, Visão Financeira, Livros, Report Acrefi, and Revista Financeiro providing insights and trends for the credit market.

Named customers22 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature11 records

Partnerships

One partnership is on record.

• AVIVATECcoreTechnology or IntegrationStrategic partnership with AVIVATEC, a consulting firm specialized in technology and innovation. Together they develop solutions to support financial and credit institutions in their main operational and regulatory challenges. AVIVATEC provides technology and innovation consulting services.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• CFA Institute: Global professional certification body (CFA charter, CIPM) with analogous positioning to Acrefi's CERTICREFI: credentialing, continuing education, publications, and member society network. Acrefi operates a scaled-down, country-specific version of this model for the Brazilian credit sector.

Emerging players

• GARP (Global Association of Risk Professionals): Global professional body for risk managers offering FRM and SCR certifications plus training, events, and publications to financial institutions. Comparable niche overlap with Acrefi's risk-management and LGPD-compliance course portfolio, though operating globally rather than Brazil-only.

Direct peers

• ABRASCA (Associação Brasileira das Companhias Abertas): Brazilian association of publicly traded companies serving issuer-side financial-market participants. Similar association model with certification/training, publications, and regulatory engagement; complementary rather than directly overlapping but operates the same go-to-market and revenue architecture.
• ANBIMA (Associação Brasileira das Entidades dos Mercados Financeiro e de Capitais): Brazil's dominant financial-industry association covering capital markets, asset management, and distribution. Directly comparable in operating model (membership, certifications like CPA-10/20, education, events, regulatory advocacy) and in serving many of the same member institutions as Acrefi, including in the credit/distribution vertical.
• Febraban (Federação Brasileira de Bancos): Federation of Brazilian banks. Operates the same trade-association model (membership dues, events like Febraban Tech, regulatory representation before Banco Central, publications) and counts most of Acrefi's largest members (Itaú, Bradesco, Santander, Banco do Brasil, BV) among its constituents.
• ABVCAP (Associação Brasileira de Private Equity & Venture Capital): Brazilian PE/VC industry association running on a parallel trade-body model (membership fees, certification/credentialing, events, regulatory advocacy, publications). Comparable as an association monetizing institutional membership through content, training, and convening services.
• ABBC (Associação Brasileira de Bancos): Brazilian banking association that overlaps with Febraban in scope and competes for the same institutional members. Highly comparable in operating model (membership, training programs, sector representation, events) and in serving financial institutions regulated by Banco Central.
• IBRACON (Instituto dos Auditores Independentes do Brasil): Brazilian institute of independent auditors running parallel professional-certification programs, technical publications, and continuing-education services for finance professionals. Comparable in its certification-plus-education-plus-publications revenue mix.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/c/ACREFIOficialAssocia%C3%A7%C3%A3oNacdasInstdeCFI
• LinkedInlinkedin.com/company/acrefi
• Instagraminstagram.com/acrefioficial
• Xx.com/AcrefiDigital

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 ACREFI