Easyme Tecnologia e Inovação

What Easyme Tecnologia e Inovação does

Easyme Tecnologia e Inovação is a privately-held Brazilian SaaS company founded in 2011 and headquartered in Vila Velha, Brazil, operating the consumer and SMB personal-finance platform Meu Dinheiro. The platform aggregates a user's complete financial picture by synchronizing bank accounts, credit cards, and investment positions via Brazil's Open Finance APIs against a broad set of institutions (Santander, Banco do Brasil, Caixa, Nubank, Itaú, Bradesco, BTG Pactual, XP, Mercado Pago, Sicoob, Safra, Banco Inter, among others). On top of the connectivity layer, the product layers an AI-driven categorization engine that ingests bank notifications via SMS, push, and WhatsApp to auto-classify entries and surface spending patterns, alongside Carnê-Leão export functionality for Brazilian tax compliance.

The core surface consists of three offerings sharing the same infrastructure: Meu Dinheiro Pessoal for individual users (expense tracking, goal setting, credit-card management, project cost tracking), Meu Dinheiro para Negócios for SMBs with multi-user access, and an integrated investment-tracking module covering Brazilian instruments (Stocks, FIIs, ETFs, CDBs, LCAs, LCIs, Tesouro Direto, Debêntures, Funds, Pensions) plus foreign assets, crypto, and multi-currency accounts. The company is founder-led, with co-founders Jorge Luiz Binow and Tiago Comério listed as co-owner and owner respectively, and operates with a 1–10 employee headcount.

Commercially, Easyme runs a product-led, self-serve go-to-market: users sign up online or via Google Play / Apple App Store, start on a 7-day free trial without credit-card requirement, and then convert (or fall back to a free tier) on trimestral, semestral, or anual paid plans via credit card (up to 3x interest-free), debit, or Brazilian boleto. Critically, there is no automatic renewal—users must manually re-subscribe—which has direct implications for retention economics. The company has reached a reported 650,000 registered users, generates revenue solely from consumer/SMB subscriptions, has never disclosed external funding, and competes in Brazil's PFM category against larger fintechs and incumbent bank apps.

Name

Easyme Tecnologia e Inovação

Legal name

Easyme CNPJ 13.380.838/0001-08

Website

https://easyme.com.br

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Easyme Tecnologia e Inovação operates Meu Dinheiro, a Brazilian personal and small-business finance management platform that aggregates bank, card, and investment data via Open Finance integrations with 12+ institutions and uses AI to auto-categorize transactions for ~650,000 registered users.

Ownership category

akta.pro rank

Product category

Personal Financial Management Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)

akta.pro secondary industry

Multi-Currency Accounts, Wallets & FX Management (Consumer/SME) (FSAGAKAF)

Keywords

• Personal finance management
• Open finance integration
• Investment portfolio tracking
• Business expense control
• Automated transaction categorization

Headquarters

HQ city

Vila Velha

HQ country

Brazil

HQ region

Latin America

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Subscription Plans: Recurring subscription revenue from personal and business plans. No automatic renewal - users manually renew on quarterly, semi-annual, or annual basis. Credit card, debit, and boleto payment options with up to 3x interest-free installments for credit cards.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Easyme Tecnologia e Inovação operates the Meu Dinheiro platform, a subscription-based personal and business financial management SaaS serving 650,000+ Brazilian users. The platform unifies bank account synchronization via Open Finance APIs (12+ banks/fintechs), AI-powered automatic transaction categorization, credit card management, budget and goal tracking, and multi-asset investment portfolio monitoring including stocks, REITs, ETFs, crypto, fixed income, and international assets. It is offered through three distinct lines: a personal plan (Pessoal), a business plan (Negócios) with multi-user access, and an integrated investment control module.

Product overview

Meu Dinheiro is a unified personal and business financial management platform developed by Easyme Tecnologia e Inovação. The platform consists of three main offerings: Meu Dinheiro (Pessoal) for individual users providing comprehensive personal finance control, Meu Dinheiro para Negócios for business financial management, and Meu Dinheiro para Investimentos as an integrated investment tracking module. All offerings share core infrastructure including Open Finance bank connectivity, credit card management, goal tracking, and categorization features. The platform differentiates through its AI-powered Intelligent Assistant that automates transaction classification and pattern detection.

Differentiator

Problem solved

Functional benefit

Products and services

• Meu Dinheiro (Pessoal) Personal financial management platform for individual users offering bank account synchronization via Open Finance, credit card management, goal setting, expense categorization with AI, financial notification import (SMS, push, WhatsApp), and personal project cost tracking. Designed for Brazilian individuals seeking unified control of personal finances across multiple banks and fintechs.
• Meu Dinheiro para Negócios Business financial management solution for small and medium Brazilian businesses, offering expense tracking, project cost management, multi-user access for additional team members, and centralized financial overview alongside personal finance functionality. Built for company-wide financial oversight and separation of business and personal finances.
• Meu Dinheiro para Investimentos Integrated investment control module providing 360-degree portfolio view across stocks, options, REITs (FIIs), ETFs, CDBs, LCAs, LCIs, cryptocurrencies, Tesouro Direto, subscription offers, forward contracts, futures, investment funds, pension funds, debentures, currencies, real estate, savings, and international assets. Supports multi-currency accounts and Carnê-Leão export for Brazilian tax compliance.

Quantifiable outcome

• Reduces time spent on manual financial organization through AI-powered categorization

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability3 records

Feature5 records

Partnerships

Twelve partnerships are on record, tiered core.

• SantandercoreTechnology or IntegrationOpen Finance integration partner enabling automatic synchronization of account movements, credit card transactions, and balance data through the Meu Dinheiro platform.
• Banco do BrasilcoreTechnology or IntegrationOpen Finance integration partner providing automatic synchronization of banking transactions and account data.
• Caixa Econômica FederalcoreTechnology or IntegrationOpen Finance integration partner for account and transaction synchronization.
• NubankcoreTechnology or IntegrationOpen Finance integration partner with synchronization of accounts, cards, and financial movements.
• ItaúcoreTechnology or IntegrationOpen Finance integration partner providing account and transaction data synchronization.
• Banco IntercoreTechnology or IntegrationOpen Finance integration partner for banking transaction synchronization.
• Mercado PagocoreTechnology or IntegrationOpen Finance integration partner for Mercado Pago account synchronization.
• XP InvestimentoscoreTechnology or IntegrationInvestment platform integration partner for tracking investment portfolio and returns.
• SicoobcoreTechnology or IntegrationCooperative banking Open Finance integration partner.
• BradescocoreTechnology or IntegrationOpen Finance integration partner for banking data synchronization.
• BTG PactualcoreTechnology or IntegrationInvestment bank and platform integration partner for investment tracking.
• SafracoreTechnology or IntegrationBanking and investment services integration partner.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Fortuno: Brazilian investment and wealth tracking platform consolidated via Open Finance; competes with Meu Dinheiro's investment portfolio tracking on the same underlying integrations and target user.
• Organizze: Brazilian PFM platform offering bank account synchronization, expense categorization, and budgeting — directly competes with Meu Dinheiro in the same Brazilian personal-finance aggregator category with the same Open Finance / Pluggy-style integration model.
• Kinvo: Brazilian investment tracking and wealth aggregator that aggregates brokerage accounts, crypto, and fixed income — directly overlaps with Meu Dinheiro para Investimentos on the unified-portfolio view use case.
• Yippe / Onze: Earlier Brazilian PFM aggregator offering bank synchronization, budgeting, and shared wallets — competes in the same horizontal personal-finance category as Meu Dinheiro with overlapping Open Finance connectivity.
• Mobills: Brazilian personal financial management app with credit card control, budgeting, and financial education content; competes head-to-head with Meu Dinheiro for the same Brazilian consumer PFM wallet.
• Gorila Investimentos: Brazilian investment aggregation platform offering consolidated portfolio views across multiple brokerages and asset classes — a direct competitor in the Open-Finance-driven investment tracking category.

Broad incumbents

• Empower (Personal Capital): Wealth management platform combining financial aggregation with investment advisory and retirement planning; comparable to Meu Dinheiro on the unified-portfolio / investment tracking axis, with adjacent wealth advisory services that represent a higher-tier monetization path.
• Mint (Intuit): Global PFM benchmark owned by Intuit, offering bank aggregation, budgeting, and credit monitoring with a much larger portfolio of features and brand — sets the product and pricing template that Brazilian PFM players like Meu Dinheiro compete against in design.

Emerging players

• YNAB (You Need a Budget): Subscription-based budgeting and personal finance platform with direct bank sync — comparable to Meu Dinheiro on the recurring-subscription, self-serve, Brazilian consumer regulation-adjacent model.
• Monarch Money: Modern subscription-based PFM platform emphasizing AI-driven categorization and collaborative finance — directly comparable in GTM (PLG subscription) and product philosophy to Meu Dinheiro, even though it operates in English-speaking markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/portaleasyme
• LinkedInlinkedin.com/company/meudinheiro
• Instagraminstagram.com/meudinheiroweb
• Xx.com/portaleasyme

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Easyme Tecnologia e Inovação