Grupo Vigi

What Grupo Vigi does

Grupo Vigi is a Brazilian fintech operating under the legal entity Vigicred Serviços Financeiros Eireli, headquartered in Porto Alegre, Rio Grande do Sul, and regulated by the Banco Central do Brasil as a banking correspondent under Resolution 3.954. The company specializes in private-sector payroll-consignment credit (crédito consignado), originating loans against the payroll of CLT employees of partner companies through multiple partner financial institutions. Its product surface is organized as an integrated ecosystem branded VigiBank, which combines the core Vigicred loan product with Vigihelp (on-demand salary advance), Vigilife (health benefits including telemedicine and pharmacy discounts), Vigitalent (a talent marketplace), and a digital bank account. Underlying technology consists of a mobile-first digital platform (iOS/Android) and web channel with automated credit simulation, in-app document upload, e-signature, and integration with eSocial for automated payroll deductions and with CTPS Digital under MP 1.292/2025 for federal program alignment.

The business model is B2B2C: Grupo Vigi signs convenia with HR departments of private companies (minimum 30 employees) to make credit products available to all their workers, then operates as a correspondent negotiating rates across partner banks. Revenue is transaction-based, earned through interest spreads, TAC (Taxa de Abertura de Crédito), and IOF (Imposto sobre Operações Financeiras) embedded in loan installments, with no upfront cost to employees, plus small per-transaction fees on salary advances and cashback rebates to corporate partners. Go-to-market combines enterprise field sales, inside sales via WhatsApp, employer referral partnerships, content marketing through a financial-education blog, and event presence (notably CONARH 2025). Customer segments are primarily CLT private-sector employees and the HR departments of partner companies, with a secondary segment of INSS beneficiaries accessing extended-term loans. Pricing is not publicly disclosed; reported rates start at approximately 1.9% per month for qualifying consignado borrowers versus market rates of 15%+ on revolving credit cards.

Name

Grupo Vigi

Legal name

Vigicred Serviços Financeiros Eireli

Website

https://grupovigi.com.br

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Grupo Vigi is a Brazilian BACEN-regulated banking correspondent fintech that partners with private employers to offer payroll-consignment loans, salary advances, and a digital employee-benefits ecosystem (VigiBank) to CLT workers. It earns transaction-based origination fees across credit, health, and talent products.

Ownership category

akta.pro rank

Headquarters

HQ city

Porto Alegre

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Consignment Origination Fees: Vigicred earns revenue as a banking correspondent by originating payroll-consignment loans through partner financial institutions. Fees include interest spread, TAC (Taxa de Abertura de Crédito), and IOF (Imposto sobre Operações Financeiras) embedded in loan installments. No upfront cost to employees; costs are amortized across loan payments.
2. Corporate Partnership Rebates (Cashback): Partner companies receive financial returns (cashback/rebate) as determined in contract, which can be reinvested in actions, improvements, and awards within the company. This creates a recurring B2B revenue sharing mechanism.
3. Vigihelp Salary Advance Fees: Employees access earned salary in advance before payday with a small withdrawal fee charged per transaction. No interest applied. Revenue generated per transaction on advance requests.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Grupo Vigi operates as a BACEN-regulated banking correspondent providing payroll-deductible loans (crédito consignado) and an integrated financial wellness ecosystem for employees of partner companies. The company partners with HR departments of private companies (minimum 30 employees) to offer Vigicred loans, Vigihelp salary advances, Vigilife health benefits, Vigitalent recruitment, and the unified VigiBank digital account through a fully digital, paperless origination platform.

Product overview

Grupo Vigi operates as a fintech platform offering an integrated ecosystem of financial services for corporate HR departments and their employees. The portfolio consists of six distinct products: VigiBank serves as the central digital banking platform that unifies all services; Vigicred provides private payroll-deductible loans (crédito consignado) as the core credit product; Vigihelp offers salary advance solutions; Vigilife delivers health benefits including telemedicine and pharmacy discounts; Vigitalent connects companies with job candidates; and Aprenda a Economizar provides financial education content. These products are designed to work together, enabling companies to offer comprehensive financial wellness benefits while reducing HR administrative burden, with zero cost to the employer.

Differentiator

Problem solved

Functional benefit

Brands

• Vigicred: Credit consignado solution for private sector employees with competitive interest rates starting from 1.9% per month
• Vigihelp
• Vigilife
• Vigitalent
• VigiBank

Products and services

• Vigicred Payroll-deductible credit solution for employees of partner companies, offering competitive interest rates starting from 1.9% per month, terms up to 48 installments for CLT workers and up to 96 months for INSS beneficiaries, with credit available even for negative-listed borrowers and release within up to 3 business days.
• Vigihelp On-demand salary advance service allowing CLT employees to receive payment for days already worked before payday, with a small withdrawal fee per transaction and no interest applied.
• Vigilife Health benefits platform providing employees of partner companies with access to a private network of medical and dental clinics, laboratories, telemedicine services, and pharmacy discounts reaching up to 80%, covering the primary insured plus up to 3 dependents.
• Vigitalent Digital recruitment platform connecting companies with job-seeking professionals, featuring advanced search filters by area, experience, and skills, allowing companies to access a curated talent database and candidates to apply directly.
• VigiBank Digital banking ecosystem that consolidates Vigicred, Vigihelp, Vigilife, and a digital account returning more than traditional savings into a single mobile application for comprehensive employee financial health management.

Quantifiable outcome

• Up to 40% reduction in employee turnover in companies with structured financial wellness programs
• +6 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Will Bank: Brazilian digital bank focused on payroll and CLT-worker credit, including payroll-deductible loans. Comparable in target segment (CLT workers) and credit-product focus, though operates as a balance-sheet digital bank rather than correspondent.

Broad incumbents

• Banco Inter: Large Brazilian digital bank offering consumer credit, payroll loans, and integrated benefits. Comparable as a digital-first lender competing for the same employee-credit wallet through employer partnerships.
• Alelo: Brazilian corporate benefits and prepaid card provider owned by Elo Participações. Comparable as a B2B employer-channel benefits distributor competing for the same HR-department wallet.
• Crefisa: Brazilian consumer and payroll-loan lender with a long-standing focus on consignado. Comparable core product and target borrower profile, but operates at substantially larger scale with proprietary funding.
• Banco BMG: Large Brazilian commercial bank historically focused on payroll-consignment (consignado) lending, including private-sector and INSS segments. Comparable core product (consignado privado) but operates as a balance-sheet lender rather than correspondent.
• Pluxee (Sodexo BRS): Brazilian arm of global benefits provider Pluxee (formerly Sodexo BRS), offering meal, food, and corporate benefits cards. Comparable employer-channel benefits distribution and HR-department targeting.

Regional players

• Swile: France-based global employee benefits and engagement platform with a growing presence in Brazil. Comparable B2B2C employer-channel benefits model but primarily operates in different geographies (France, Europe).

Direct peers

• Flash: Brazilian flexible benefits and corporate card fintech serving HR departments with multi-category cards and financial tools. Comparable go-to-market (B2B2C employer partnerships) and target customer (CLT employees) as Grupo Vigi.
• Caju: Brazilian B2B2C employee benefits platform offering multi-category cards (food, meal, culture, health) and a growing financial-wellness layer. Directly comparable as a corporate-channel benefits and credit-adjacent ecosystem targeting CLT employees.
• Creditas: Brazilian consumer/secured lending fintech offering home-equity, auto, and payroll-deductible loans. Comparable as a digital Brazilian lender using alternative underwriting to serve borrowers overlooked by traditional banks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Vigicred
• LinkedInlinkedin.com/company/grupovigi
• Instagraminstagram.com/vigicred

Compliance3 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 Grupo Vigi