Onix Soluções Financeiras.

What Onix Soluções Financeiras. does

Onix Soluções Financeiras Ltda is a privately held Brazilian limited liability company headquartered in São Paulo that operates exclusively as an authorized correspondent (correspondente bancário) of Banco Daycoval S/A, specializing in credit recovery (recuperação de crédito) for Daycoval's contract holders. The company's commercial identity is defined entirely by this single correspondent relationship, and its stated principal activity excludes loan portability, sales, refinancing, and payroll-deductible lending — services it has publicly disclaimed to disambiguate itself from a similarly-named Brazilian entity.

The firm operates two interconnected offerings: (1) credit recovery services delivered by a team of specialists who build negotiation strategies for Daycoval borrowers, and (2) the Portal de Negociação Daycoval, a secure HTTPS-protected self-service portal at daycoval.onixsolucoesfinanceiras.com.br that authenticates users via CPF/CNPJ, phone, and email, then enables contract consultation, viewing of active agreements, installment tracking, and payment slip generation. All portal access is logged for audit and regulatory compliance. Supplementary customer support is provided via WhatsApp, email ([email protected] and [email protected]), phone (SAC +55 11 4063-2991, WhatsApp (11) 96259-7207), and an 0800 line (0800 0249955).

Revenue is generated on a transaction-fee basis through commissions on successfully recovered credits and negotiated Daycoval agreements, with supplementary professional-services fees tied to the digital contract management infrastructure. Customer acquisition flows almost entirely through the Daycoval correspondent mandate and the portal itself, with minimal marketing activity beyond organic channels. The company's stated vision is to become a nationwide reference in credit recovery with humanized service, signaling intent to scale the correspondent model across additional banking relationships over time. The firm has been receiving judicial summons (intimações judiciais) due to consumer confusion with a similarly-named entity, an issue it is actively addressing via a public Nota de Esclarecimento and ongoing legal department work.

Name

Onix Soluções Financeiras.

Legal name

ONIX SOLUÇÕES FINANCEIRAS LTDA

Website

https://onixsolucoesfinanceiras.com.br

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Onix Soluções Financeiras is a São Paulo-based authorized correspondent (correspondente bancário) of Banco Daycoval S/A that provides credit recovery services and a secure self-service digital portal exclusively for Daycoval's contract holders across Brazil.

Ownership category

akta.pro rank

Product category

Credit Recovery Services

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Collections & Recoveries Operations (Delinquency, Workout Support) (FSABALAN)

akta.pro secondary industry

Collections, Recovery & Debt Management Platforms (FSAGAHAI)

Keywords

• Credit recovery services
• Debt collection services
• Banking correspondent services
• Contract negotiation portal
• Credit management solutions

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

Revenue model

1. Credit Recovery Services for Banco Daycoval: Operates as authorized correspondent performing credit recovery services for Banco Daycoval contracts. Generates revenue through commissions on successfully recovered credits and negotiated agreements.
2. Digital Contract Management Services: Provides digital platform for Daycoval customers to manage contracts, view payment options, and access payment slips. Revenue derived from services rendered to Banco Daycoval as correspondent.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Onix Soluções Financeiras provides credit recovery (recuperação de créditos) services as an authorized correspondent of Banco Daycoval S/A, executing debt recovery strategies and renegotiations on the bank's credit contracts. Its primary customer-facing asset is the Portal de Negociação Daycoval, a secure digital platform where borrowers identify themselves via CPF/CNPJ and contract number, consult their contract status, view active agreements, check installments, and obtain payment slips. The portal combines audited HTTPS access with WhatsApp and email-based human support to assist borrowers throughout renegotiation.

Product overview

Onix Soluções Financeiras operates as a credit recovery (debt collection) services company and official authorized representative of Banco Daycoval S/A. The company's primary product portfolio consists of two offerings: (1) Recuperação de Crédito services — the core business activity focused on debt recovery strategies and execution, and (2) the Portal de Negociação Daycoval — a digital self-service portal that enables customers to securely consult their Daycoval contracts, view active agreements, check installment schedules, and generate payment slips. The two offerings are interconnected: the digital portal serves as the customer-facing interface through which Daycoval borrowers access and manage their repayment arrangements facilitated by Onix's recovery operations.

Differentiator

Problem solved

Functional benefit

Products and services

• Portal de Negociação Daycoval (Daycoval Negotiation Portal) Secure digital platform where Banco Daycoval borrowers identify themselves via CPF/CNPJ or contract number plus phone and email, and then consult their contract status, view active agreements, check installment schedules, and access payment slips within an HTTPS-protected audited environment. Targeted exclusively at Banco Daycoval S/A contract holders served by Onix and supported by WhatsApp and email assistance.
• Recuperação de Crédito (Credit Recovery Services) Core business service in which a team of specialists performs debt collection and credit recovery operations on behalf of Banco Daycoval S/A, building strategies aligned with each client's needs and market specifics for effective credit recovery. Revenue is generated through commissions on successfully recovered credits and negotiated agreements as the official authorized correspondent of Banco Daycoval.

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Banco Daycoval S/AcoreChannel Partner/ Reseller/ DistributorOnix Soluções Financeiras operates as an authorized correspondent (correspondente autorizado) of Banco Daycoval S/A. The company provides credit recovery services for Daycoval contracts, maintaining a dedicated digital negotiation portal for Daycoval customers. This is a primary commercial relationship where Onix represents the bank in credit recovery operations. The partnership is identified as official and authorized, with Onix listed as 'Representante Oficial' (Official Representative).

Scale indicators1 record

Expansion highlights3 records

Direct peers

• QueroQuitar: Brazilian digital debt settlement platform that connects consumers with creditors for online negotiation. Directly comparable as a digital-first credit recovery channel targeting Brazilian consumers in delinquency.
• Recovery do Brasil: Brazilian debt collection and credit recovery firm providing outsourced collections on behalf of creditors including financial institutions. Comparable to Onix in providing B2B debt recovery services to banks in the Brazilian market.
• Z1 Recursos: Brazilian debt collection agency providing recovery services to financial institutions and corporations. Comparable to Onix as a credit recovery services firm operating in the Brazilian correspondent/outsourced collections market.
• Acordo Certo: Brazilian online debt negotiation platform allowing consumers to settle overdue debts with multiple creditors. Directly comparable to Onix in providing digital self-service debt recovery, though Acordo Certo aggregates many creditors rather than serving a single bank.
• CERC: Central de Recebíveis providing receivables management, collections and credit recovery services in Brazil. Comparable as a Brazilian B2B credit recovery services provider serving financial institution clients.
• Ativos S.A. Brazilian company specializing in acquisition and management of distressed credit portfolios and credit recovery. Comparable to Onix in the credit recovery value chain, though focused more on portfolio acquisition rather than pure servicing.

Broad incumbents

• Serasa Experian: Brazil's dominant credit bureau and consumer debt negotiation platform (Serasa Limpa Nome). Comparable as a major player in Brazilian credit recovery and consumer debt negotiation, though it operates at much larger scale and across many creditors.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat4 records

Key risks5 records

Key highlights4 records

Customer concentration

• LinkedInlinkedin.com/company/onix-solu%C3%A7%C3%B5es-financeiras

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Onix Soluções Financeiras.