Planalto Capital
Planalto Capital is a Brazilian CVM-regulated asset manager operating three lines: structured investment funds distributed via major brokerages, ZapCash (B2B receivables anticipation via WhatsApp), and Terras (agribusiness financial advisory).
- Company typePrivate
- Founded2020
- HeadquartersSão Paulo, Brazil
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Planalto Capital does
Planalto Capital is a Brazilian resource manager (gestora de recursos) founded in 2020 and headquartered in São Paulo, operating across three distinct business lines. The firm manages structured investment funds (Fundos Estruturados) that are distributed through six major Brazilian digital brokerages — XP Investimentos, Rico, Órama, Modal Mais, Easynvest, and BTG Pactual Digital — generating recurring management fee revenue from individual investors. Its second line, ZapCash, is a B2B fintech platform that enables receivables anticipation for service providers directly through WhatsApp, backed by a CVM-regulated FIDC (Fundo de Investimento em Direitos Creditórios) and monetized via transaction fees with zero cost to the employer company. The third line, Planalto Capital Terras, is an autonomous advisory division offering financial structuring for agribusiness operations, including sale and leaseback, capital restructuring, succession planning, and structured investment products for rural property owners and investors.
The firm is regulated by the CVM (Comissão de Valores Mobiliários) and is an ANBIMA member authorized for permanent investment product distribution. Its technology stack centers on the WhatsApp integration for ZapCash, a real-time operational dashboard, and digital onboarding systems within the FIDC regulatory architecture. The go-to-market is hybrid: funds distribute through brokerage channel partners, ZapCash operates as a self-serve WhatsApp-native product targeting SMBs and freelancers, and Terras relies on direct enterprise sales to agribusiness clients. The company is privately held with no disclosed parent company, funding rounds, or management team.
Planalto Capital firmographics
Firmographics- Name
- Planalto Capital
- Legal name
- Planalto Capital
- Website
- https://planaltocapital.com.br
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Planalto Capital is a Brazilian CVM-regulated asset manager operating three lines: structured investment funds distributed via major brokerages, ZapCash (B2B receivables anticipation via WhatsApp), and Terras (agribusiness financial advisory).
- Ownership category
- akta.pro rank
Planalto Capital industry classification
Industry- Product category
- Asset Management
- NAICS
- Portfolio Management and Investment Advice (523940), Funds, Trusts, and Other Financial Vehicles (525), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Investment Advice (6282), Asset-Backed Securities (6189)
- akta.pro primary industry
- SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)
- akta.pro secondary industry
- Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)
Keywords
Where Planalto Capital is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Planalto Capital business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales
Revenue model
- Investment Fund Management: Planalto Capital manages structured investment funds, generating revenue through management fees charged to investors. The company offers structured fund products distributed through multiple digital platforms.
- ZapCash Transaction Fees: Revenue from transaction fees on receivables anticipation operations. Companies receive the service at zero cost while ZapCash earns fees from the FIDC operations and transaction processing.
- Terras Agribusiness Advisory: Specialized financial advisory services for agribusiness operations including sale and leaseback structuring, capital restructuring, succession planning, and structured products for rural property transactions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Zero-cost service for companies |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Planalto Capital product offering
Product offeringCore offering
Planalto Capital is a São Paulo-based CVM-regulated resource manager that manages structured investment funds (fundos estruturados), offers a WhatsApp-integrated B2B fintech product called ZapCash for immediate receivables anticipation backed by a FIDC, and runs an autonomous agribusiness financial advisory division called Terras providing sale and leaseback, capital restructuring, succession planning, and structured products for rural properties. The firm combines capital markets expertise, digital innovation, and sector-specific knowledge to deliver customized financial solutions across these three business lines.
Product overview
Planalto Capital is a resource management firm operating across multiple segments: a fintech product (ZapCash) for B2B receivables anticipation via WhatsApp, an agribusiness financial advisory division (Planalto Capital Terras) offering structured financial solutions for rural properties, and structured investment funds. The firm combines capital markets expertise with digital innovation and sector knowledge to deliver customized solutions.
Differentiator
Problem solved
Functional benefit
Brands
- ZapCash: B2B fintech solution for accounts receivable anticipation integrated with WhatsApp, offering immediate liquidity to service providers without operational costs for companies. Regulated by CVM and operated through a FIDC (Fundo de Investimento em Direitos Creditórios).
- Terras (Planalto Capital Terras)
Products and services
- ZapCash B2B fintech solution for receivables anticipation integrated with WhatsApp. Employer companies offer immediate liquidity to their freelancer and autonomous service provider workforce at zero operational cost to the company, with one-click acceptance and same-day PIX payment backed by a CVM-regulated FIDC. Includes a real-time dashboard for company-side monitoring.
- Planalto Capital Terras Autonomous division specialized in financial advisory for the Brazilian agribusiness sector. Offers customized structures including sale and leaseback, capital restructuring, succession planning, and structured investment products for rural property operations. Serves rural producers, investors, and family offices.
- Fundos Estruturados (Structured Investment Funds) Structured investment funds managed by Planalto Capital, combining rigorous technical analysis, digital innovation, and sector expertise to develop customized investment solutions. Distributed through XP Investimentos, Rico, Órama, Modal Mais, Easynvest, and BTG Pactual Digital. Offered to individual investors and wealth-management clients of partner brokerages.
Companies that use Planalto Capital
Customer profileSegments3 records
Ideal customer profiles3 records
Planalto Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
Planalto Capital partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- XP InvestimentoscoreMajor Brazilian digital brokerage and investment platform that distributes Plano Capital's structured fund products to retail and institutional investors.
- RicocoreDigital investment platform in Brazil that provides access to Plano Capital's investment fund products for its customer base.
- ÓramacoreBrazilian digital bank and investment platform distributing Plano Capital's structured investment products.
- Modal MaiscoreDigital investment platform operated by Banco Modal, distributing Plano Capital fund products.
- EasynvestcoreBrazilian digital investment platform that provides access to Plano Capital's structured fund products.
- BTG Pactual DigitalcoreDigital platform of BTG Pactual, one of Latin America's largest investment banks, distributing Plano Capital's structured fund products.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
Planalto Capital competitors and assessment
Company assessmentDirect peers
- Órama: Brazilian digital investment platform that both distributes Planalto's funds and runs proprietary structured products. Comparable as a fund distribution competitor and product peer.
- Capitânia Investimentos: Independent Brazilian asset manager specializing in structured credit, FIDC, and alternative income strategies — directly comparable to Planalto's fund-management and FIDC-backed ZapCash operations.
- XP Inc. Brazil's largest independent brokerage and asset manager. Operates the XP, Rico, and Modal Mais distribution platforms through which Planalto distributes funds, and runs a substantial captive asset-management business that competes directly with Planalto's structured funds.
- Magnetis: Brazilian digital asset manager (now part of XP) focused on diversified portfolio strategies for individual investors. Closely comparable business model to Planalto's fund management line.
- Warren Investimentos: Brazilian digital wealth manager offering structured and fixed-income fund products to retail investors. Direct competitor in the mass-affluent managed-fund category and analogous digital distribution model.
- RB Capital: Brazilian alternative-asset and credit-focused manager with FIDC and structured-credit expertise. Overlaps with Planalto on regulated fund products and credit structuring.
Emerging players
- Pomelo: Latin American fintech-as-a-service infrastructure provider offering credit, payments, and embedded financial products. Comparable to ZapCash on the B2B fintech distribution and digital onboarding mechanics, though as enabling infrastructure rather than direct credit.
- Creditas: Brazilian consumer and B2B collateral-backed lending fintech. Comparable to ZapCash as a receivables/credit fintech using proprietary credit structures, though focused on secured consumer lending rather than receivables anticipation.
Broad incumbents
- Inter & Co. Brazilian digital bank with a significant asset-management and structured-fund business. Comparable across retail wealth distribution, fintech, and credit offerings, though much broader in scope.
- BTG Pactual: Latin America's largest independent investment bank, with BTG Pactual Digital serving as both a distribution channel for Planalto's funds and a competing asset manager with proprietary products. Comparable across wealth, funds, and credit structuring.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Planalto Capital social profiles
Digital presencePlanalto Capital compliance and trust
Trust signalCompliance2 records
Planalto Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Planalto Capital leadership team
Management profileNumber of profiles
Planalto Capital subsidiaries and ownership
Company hierarchySubsidiaries2 records
Planalto Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Planalto Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Planalto Capital
What does Planalto Capital do?
Planalto Capital is a São Paulo-based CVM-regulated resource manager that manages structured investment funds (fundos estruturados), offers a WhatsApp-integrated B2B fintech product called ZapCash for immediate receivables anticipation backed by a FIDC, and runs an autonomous agribusiness financial advisory division called Terras providing sale and leaseback, capital restructuring, succession planning, and structured products for rural properties. The firm combines capital markets expertise, digital innovation, and sector-specific knowledge to deliver customized financial solutions across these three business lines.
Is Planalto Capital a public or private company?
Planalto Capital is a private company. It is classified as unknown and is currently operating.
When was Planalto Capital founded?
Planalto Capital was founded in 2020. It employs 1 to 10 people.
Where is Planalto Capital based?
Planalto Capital is headquartered in São Paulo, Brazil, in the Latin America region.
How does Planalto Capital make money?
Three revenue lines are on record. Investment Fund Management is the primary driver. The others are zapCash Transaction Fees and terras Agribusiness Advisory.
Who are Planalto Capital's main competitors?
Direct peers on record are Órama, Capitânia Investimentos, XP Inc., Magnetis, Warren Investimentos and RB Capital. Emerging players are Pomelo and Creditas. Broad incumbents are Inter & Co. and BTG Pactual.
Does Planalto Capital have an API?
No public API is recorded for Planalto Capital.
What industry is Planalto Capital in?
Planalto Capital's product category is Asset Management. Its primary akta.pro industry code is FSAGAJAM, SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning), with a secondary code of FSAAAAAF, Financial Planning & Goals-Based Advice (Mass Affluent). Its NAICS code is 523940 and its SIC code is 6282.