Cash Wise

What Cash Wise does

Cash Wise is a Brazilian investment advisory firm headquartered in São José dos Campos, São Paulo, that specializes in constructing and managing portfolios designed to generate monthly passive income for individual investors. The firm operates under a Fee Based compensation model, where fees are transparent and aligned with client asset growth rather than commissions on product sales, which the company positions as eliminating traditional conflicts of interest. Its core service follows a four-step methodology: a free financial diagnostic, a customized investment plan, simplified execution via the XP Investimentos platform, and continuous portfolio monitoring with periodic reporting and dedicated advisor support. Cash Wise also offers free interactive calculators (Passive Income, Compound Interest, and First Million) and a portfolio analysis service as top-of-funnel acquisition tools.

The firm is registered as an investment advisory company (Assessoria de Investimento) with the Brazilian Securities Commission (CVM) under Resolution CVM 178/23 and holds a distribution partnership with XP Investimentos, through which all client investments are executed and custody is held. Cash Wise has been awarded the Governance and Integrity Seal from XP Investimentos for two consecutive years and the Selo de Qualidade XP, both of which it uses as credibility markers. The firm's go-to-market is sales-led and advisor-driven, relying on free diagnostics, personalized consultations, content marketing, and an Instagram presence to acquire clients; it does not have a proprietary technology platform and operates entirely on XP's infrastructure. Public metrics (assets under custody, client count, NPS) are not disclosed, with the website showing placeholder values rather than verified figures. The company describes itself as the only investment advisory in Brazil specialized exclusively in passive income and has stated expansion plans beyond its single São José dos Campos office.

Name

Cash Wise

Legal name

Cash Wise AI S/S

Website

https://cashprime.com.br

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Cash Wise is a Brazilian investment advisory firm registered with the CVM that builds and manages passive-income portfolios for individual investors, operating under a Fee Based model in partnership with XP Investimentos.

Ownership category

akta.pro rank

Product category

Investment Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAAAAAF

Financial Planning & Goals-Based Advice (Mass Affluent)

Financial & Insurance/Asset & Wealth Management/Retail & Mass-Affluent Wealth Management

Keywords

• Passive income investing
• Investment advisory
• Portfolio management
• Wealth management
• Financial advisory

Headquarters

HQ city

São Bernardo Do Campo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Fee-Based Advisory Services: Cash Wise operates under a Fee Based model where compensation is transparent and directly aligned with client asset growth, eliminating conflict of interest inherent in traditional commission-based advisory. The firm earns fees for advisory services rather than commissions on financial products sold.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Cash Wise provides personalized investment advisory services focused exclusively on building passive income portfolios for individual investors in Brazil. The firm operates a four-step methodology (free financial diagnosis, customized portfolio planning, execution via XP Investimentos platform, and continuous portfolio monitoring) under a transparent fee-based compensation model that eliminates commission conflicts of interest.

Product overview

Cash Wise is a unified investment advisory service focused exclusively on passive income strategies. The core offering is personalized investment portfolio construction and management, delivered through a four-step methodology: free financial diagnosis, customized investment planning, simplified execution via XP Investimentos, and continuous portfolio monitoring. The firm complements its advisory services with a suite of free financial calculator tools (Renda Passiva, Juros Compostos, and Primeiro Milhão calculators) and portfolio analysis services. All investment operations are executed through XP Investimentos, with whom Cash Wise holds a distribution partnership. The company operates under a transparent fee-based compensation model aligned with client asset growth rather than product sales commissions.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• High NPS customer satisfaction score
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• XP InvestimentoscoreChannel Partner/ Reseller/ DistributorCash Wise operates as a certified investment advisory partner of XP Investimentos, maintaining a distribution contract for financial products. The company executes client investments through XP's platform and operates under CVM registration. XP Investimentos provides the trading infrastructure while Cash Wise delivers advisory and portfolio management services.

Scale indicators3 records

Recent moves5 records

Expansion highlights8 records

Emerging players

• Warren Investimentos: Brazilian investment platform with fixed-income, funds, and wealth management products; competes for the same individual investor demand that Cash Wise addresses, but with a tech-first product rather than an advisory-led model.
• Gorila Invest: Brazilian investment management platform that helps investors consolidate and analyze portfolios, adjacent to Cash Wise's passive income advisory positioning in the retail investing tooling stack.
• Verax Wealth Management: Independent Brazilian wealth management firm offering personalized portfolio construction to individual investors, comparable in advisory methodology and client segment.
• Magnetis: Brazilian robo-advisor offering automated portfolio management with an income-focused product line, competing for the same passive-income-seeking retail investor segment.
• Planne Finance: Brazilian fintech providing financial advisory and investment guidance to retail investors, similar in target market and fee-based advisory positioning to Cash Wise.

Broad incumbents

• XP Investimentos: Brazil's largest independent brokerage and Cash Wise's core platform partner; offers investment advisory directly as well, making it both a partner and a competitive incumbent in the same retail wealth segment.
• BTG Pactual Digital: Major Brazilian financial group's retail wealth and advisory arm, offering investment advisory and portfolio management to individual investors with a broader product suite than Cash Wise.
• Genial Investimentos: Full-service Brazilian brokerage with investment advisory and wealth management offerings, competing for the same individual investor customer base with broader scale and brand.

Direct peers

• Advice Wealth Management: One of Brazil's largest independent investment advisory networks, serving retail investors with portfolio management across multiple broker platforms, comparable in advisory model and target segment.
• Mirante Investimentos: Brazilian investment advisory firm operating as an XP Investimentos partner with a fee-based model serving individual investors, directly comparable to Cash Wise's positioning and channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/cashwise.xp
• Facebookfacebook.com/cashwise.xp
• LinkedInlinkedin.com/company/cashprime-securitizadora-s.a.

Compliance2 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 Cash Wise