VrdeBank

What VrdeBank does

VrdeBank is a Brazilian digital bank operating under the legal entity VERDEPAY PAGAMENTOS S/A (CNPJ 52.456.782/0001-71), headquartered in Belém do Pará and founded in 2024. The company targets micro, small, and medium enterprises (PMEs) with a stated focus on the Amazon region and Northern Brazil while marketing reach extends nationally. Its core offering is the Conta Digital PJ — a digital business checking account with Pix, TED, boleto, DDA, and CNAB bulk transfer capabilities — augmented by VerdeCred, a credit marketplace connecting customers to 80+ Brazilian banks and fintechs for secured loans (home equity, vehicle), financing, structured business credit, and liquidity products at terms up to 240 months starting from 1.19% per month. A complementary VerdeCapital service provides credit consulting and supplier negotiation advisory.

The platform is built on Celcoin's banking-as-a-service infrastructure for transaction processing, regulatory compliance, and data protection under Banco Central Resolution CMN nº 4.935/2021, with proprietary layers including ERP integration, profile-modulated interest pricing, and mobile apps (iOS/Android) plus internet banking. Distribution combines self-serve digital channels, WhatsApp sales support, a partner referral program, and institutional channels such as the flagship OAB-PA partnership and Teddy Hub Digital corresponding bank relationship.

The revenue model rests on interest income from VerdeCred credit origination, transaction fees on TED transfers (Pix remains free), partner referral commissions, and VerdeCapital advisory fees. The company is privately held, for-profit, with 11–50 employees and a six-person C-suite covering CEO, CFO, Marketing, Technology, Commercial, and Credit functions. No funding rounds or revenue figures are publicly disclosed, indicating a pre-Series A, pre-revenue stage of operations.

Name

VrdeBank

Legal name

VERDEPAY PAGAMENTOS S/A

Website

https://vrdebank.com

Company type

Private

Founded year

2026

Operating status

Operating

Headcount range

11–50 employees

Short description

VrdeBank is a Brazilian digital bank offering business checking accounts and a multi-bank credit marketplace (VerdeCred) primarily to micro, small, and medium enterprises in the Amazon and Northern Brazil regions.

Ownership category

akta.pro rank

Product category

Digital Business Banking

NAICS

Credit Intermediation and Related Activities (522), Depository Credit Intermediation (5221)

SIC

Short-Term Business Credit Institutions (6153), Finance Services (6199)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Digital business banking
• SME credit products
• Secured business loans
• Pix payment services
• Amazon regional banking

Headquarters

HQ city

Belém

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Product Interest Income: VrdeBank earns interest income from its VerdeCred credit products including secured loans (Home Equity with up to 240-month terms, vehicle loans), financing (up to 120x installments), structured enterprise credit, and liquidity products. Rates are modulated by customer profile starting from 1.19% per month.
2. Digital Account and Transaction Fees: Revenue from digital account management including TED transfers (which carry a small per-transaction fee), boleto payments, and Pix transactions. Pix itself is free for customers, while TED carries a fee deducted at the time of transfer.
3. Partner Referral Commission: Partners in the referral program earn commission when referred clients' credit is approved and released. The bank earns spread income on the originated credit.
4. Consulting and Advisory Services: VerdeCapital provides credit structuring and financial consulting services to regional entrepreneurs, potentially generating professional services fees.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

VrdeBank provides a digital business bank account (Conta Digital PJ) for entrepreneurs in the Amazon region, with Pix instant payments, TED transfers, boleto management, DDA automated billing, CNAB batch transfers, and payroll processing. On top of the account it sells secured and unsecured credit products under the VerdeCred brand — including home equity (up to 240 months), vehicle and real estate financing (up to 120 installments), structured enterprise credit, and liquidity products — with rates modulated by customer profile starting from 1.19% per month. Complementary VerdeCapital credit consulting and OAB-PA partnership credit for Pará-registered lawyers complete the offering.

Product overview

VrdeBank is a private digital bank serving the Amazon region, operating as VERDEPAY PAGAMENTOS S/A. The core offering is the Conta Digital PJ (Digital Business Account) providing Pix, TED, boleto, DDA, and CNAB batch payment functionality. This is complemented by VerdeCred credit solutions (Home Equity loans, vehicle financing, structured credit, and liquidity products), VerdeCapital credit consulting services, and specialized OAB-PA partnership credit lines for lawyers. The ecosystem also includes an ERP integration system and mobile app for account access.

Differentiator

Problem solved

Functional benefit

Products and services

• Conta Digital PJ (Digital Business Account) Digital business checking account for entrepreneurs offering Pix instant transfers, TED electronic transfers, boleto payment, DDA (Débito Direto Autorizado) automated billing, CNAB batch transfers, payroll management, recurring Pix, and ERP integration, with profile-modulated interest rates available on balances. It is intended for micro, small, and medium-sized enterprises operating in Brazil, primarily in the Amazon region.
• VerdeCred Credit Line Credit product line from VrdeBank providing secured loans using real estate (Home Equity) or vehicles as collateral with terms up to 240 months, financing for property and fleet acquisition with up to 120 installments, structured business credit, and immediate liquidity products, with rates modulated by customer profile starting from 1.19% per month. It serves regional entrepreneurs and individuals seeking capital backed by their assets, including OAB-PA registered lawyers under the partnership program.
• VerdeCapital Credit Consulting Specialized credit consulting service from VrdeBank that delivers a 360-degree diagnostic of a business's operations, structures a tailored proposal, and directs the client to the appropriate VerdeCred credit solutions. It is targeted at regional entrepreneurs in Northern Brazil who need advisor-led structuring of credit backed by regional market expertise.
• OAB-PA Partnership Credit Dedicated credit lines for lawyers registered with the Ordem dos Advogados do Brasil – Seção Pará (OAB-PA) and their law firms, including home equity, vehicle financing, structured credit and liquidity products with preferential rates and terms, plus special offerings for members of the Young Advocacy program. It is sold through the co-branded OAB-PA partnership channel of VrdeBank.
• VrdeBank Mobile App (Android and iOS) Native mobile banking application available on Google Play and the Apple App Store that enables customers to open a VrdeBank PJ account through 100% digital onboarding, access account statements, register Pix keys, execute Pix transfers, pay bills, and apply for VerdeCred products. It is the primary customer-facing surface for individuals and business owners in Brazil.

Quantifiable outcome

• Connected to 80+ banks and fintechs for credit processing and financial operations
• +1 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Four partnerships are on record, tiered core and flagship.

• Celcoin Instituição de Pagamento S.A.coreTechnology or IntegrationCelcoin is a Brazilian fintech (infratech) providing the banking-as-a-service (BaaS) infrastructure that enables VrdeBank's account services, transaction processing, regulatory compliance, and data protection. Accounts are opened directly at Celcoin under Resolution CMN nº 4.935/2021. Celcoin is one of the largest and most trusted financial technology infrastructure platforms in Brazil, serving major institutions including BTG Pactual, XP Investimentos, Banco PAN, PagSeguro, Cielo, and Magalu.
• OAB-PA (Ordem dos Advogados do Brasil - Seção Pará)flagshipStrategic or Co-development PartnerVrdeBank has a flagship partnership with OAB-PA offering specialized credit products for lawyers inscribed in the Pará section, including preferential rates, flexible terms, and dedicated lines for Young Advocacy. The partnership includes co-branded landing pages, dedicated credit forms, and a commercial team specializing in the legal profession's needs.
• Teddy Hub Digital LtdacoreImplementation/ SI/ Consulting PartnerTeddy Hub Digital Ltda (CNPJ: 37.207.659/0001-23) operates as a corresponding bank linked to financial partner institutions under Resolution CMN nº 4.935/2021. Verdecred operates under Teddy Hub's corresponding banking framework, enabling credit product distribution through its institutional partners.
• 80+ Connected Banks and FintechscoreTechnology or IntegrationVrdeBank's VerdeCred platform is connected to over 80 banks and fintechs including Bradesco, Banco do Brasil, Santander, Itaú, Daycoval, Banco PAN, BV, and BTG Pactual for credit processing, loan origination, and financial operations.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Nubank: Nubank is the largest digital bank in Latin America, providing digital accounts, credit cards, and personal loans to consumers and small businesses across Brazil. It represents the scale end of the digital banking category VrdeBank operates in and the dominant competitive benchmark for Brazilian fintech banks.
• Banco Inter: Banco Inter is one of Brazil's largest digital-first banks offering PJ business accounts, credit, and Pix-based services nationwide. It is comparable to VrdeBank as a multi-product digital bank targeting Brazilian SMEs, but at vastly greater scale and geographic breadth.
• C6 Bank: C6 Bank is a Brazilian digital bank offering PJ accounts, credit, and investments via app. It is comparable as a digital-first bank with a similar product set (digital account, credit cards, lending) targeting Brazilian customers, though with national reach.
• PagBank PagSeguro: PagBank PagSeguro is a major Brazilian digital payments and banking platform serving SMEs with accounts, Pix, and working capital. It is comparable as a digital-first platform serving Brazilian SMBs with banking and credit, representing a national-scale benchmark for VrdeBank's target segment.

Others

• Celcoin: Celcoin is the BaaS infrastructure provider powering VrdeBank's accounts, Pix, and transaction processing. It is comparable not as a competitor but as the underlying platform partner; Celcoin's economics and roadmap directly shape VrdeBank's cost structure and product velocity.

Direct peers

• Will Bank: Will Bank is a digital account and credit platform in Brazil targeting underbanked and regional customers via mobile. It is comparable as a digital-first bank that pursues regional and underserved segments with a similar self-serve mobile GTM.
• Neon Pagamentos: Neon is a Brazilian digital account and credit fintech offering accounts, cards, and loans via app. It is comparable as a digital-first Brazilian bank pursuing scale through self-serve onboarding, similar to VrdeBank's mobile-led distribution model.
• Banco PAN: Banco PAN is a Brazilian bank focused on consumer and SME credit, working extensively through partnerships and digital channels. It is comparable as a credit-led Brazilian bank that distributes through partner and correspondent models, similar to how VrdeBank uses partner referrals for credit.
• Banco Original: Banco Original is a Brazilian digital bank offering PJ business accounts, agronegócio credit, and integrated ERP connections, with a focus on SMEs and agribusiness in regional Brazil. It is directly comparable as a digital bank serving Brazilian regional SMEs, with similar product features like ERP integration and specialized credit.
• Banco BS2: Banco BS2 is a Brazilian digital bank that originated as a BaaS-as-a-service provider, offering white-label banking, credit, and Pix infrastructure to fintechs and corporates. It is a direct comparable given its business-bank focus and infrastructure-led distribution model that overlaps with VrdeBank's correspondent-bank approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@vrdebank/videos
• LinkedInlinkedin.com/company/vrdebank
• Instagraminstagram.com/vrdebank
• Facebookfacebook.com/profile.php

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 VrdeBank