What XPrime Soluções does

XPrime Soluções, legally constituted as X-Prime Soluções Para Inadimplência LTDA (CNPJ 31.920.824/0001-03), is a privately held Brazilian B2B financial technology company headquartered in Joinville, Santa Catarina, with a secondary office in Jaraguá do Sul. The company targets businesses facing default risk and credit management challenges, operating across three primary use cases: guaranteed receivables for sellers extending credit terms, debt collection (extrajudicial, judicial, and international), and credit liberation for indebted businesses through a network of 30+ partner financial institutions.

The product portfolio centers on X-PrimePay, a payment-guarantee system regulated by the Banco Central do Brasil (BACEN) that uses credit and debit card receivables as collateral and is integrated with the major Brazilian acquirers Cielo, Redecard, and Gernet for automated settlement. The platform architecture is built on AWS infrastructure with TLS and AES-256 encryption, includes a Metabase-powered BI dashboard for real-time portfolio analytics, and features a proprietary debtor search system plus a customized dossier-generation capability for credit and collection decisions. Additional modules include credit liberation, installment-with-guarantee structuring, and a Linha Ética compliance channel, all governed under an LGPD-compliant data protection program with a dedicated DPO (Marques Vieira Advocacia).

Revenue is generated through transaction fees on collection services and X-PrimePay guarantee operations, supplemented by professional-services fees for credit liberation and dossier reports. Pricing is engagement-based and negotiated per client, with no public tiers disclosed. Go-to-market is sales-led via a direct commercial team, WhatsApp Business contact, and consultation-based selling, supported by content marketing through a corporate blog and presence on LinkedIn and Instagram. The customer base spans Brazilian B2B enterprises and mid-market companies with receivables exposure, with international collection extending reach to cross-border debtors.

Name

XPrime Soluções

Legal name

X-Prime Soluções Para Inadimplência LTDA

Website

https://xprimesolucoes.com.br

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

XPrime Soluções is a privately held Brazilian B2B fintech that provides debt collection, credit liberation, and a BACEN-regulated payment-guarantee product (X-PrimePay) to businesses selling on credit terms, operating from Joinville and Jaraguá do Sul in Santa Catarina.

Ownership category

akta.pro rank

Product category

Debt Collection and Credit Recovery Services

NAICS

Collection Agencies (56144), Other Nondepository Credit Intermediation (52229)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Personal Credit Institutions (6141)

akta.pro primary industry

Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)

akta.pro secondary industries

Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG), Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD)

Keywords

• Debt collection services
• Credit management solutions
• Receivables guarantee platform
• Credit recovery services
• Debt consolidation services

Headquarters

HQ city

Joinville

HQ country

Brazil

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Debt Collection Services: Fees charged for professional debt collection services, including extrajudicial and judicial collection, credit liberation, and installment management with payment guarantees.
2. X-PrimePay Receivables Guarantee: Revenue generated from the X-PrimePay system that guarantees receivables from credit and debit card sales, likely through transaction fees or service charges.
3. Credit Liberation Services: Service fees for facilitating credit access through their network of 30+ financial institution partners to help debtors consolidate and repay debts.
4. Customized Dossier Reports: Fees for generating detailed reports on companies and debtors including equity holdings, declared assets, and contact information for credit and collection decisions.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

XPrime Soluções delivers B2B debt management and credit recovery services, anchored by X-PrimePay, a BACEN-regulated payment guarantee solution that uses credit and debit card receivables as collateral to guarantee payment to suppliers. The portfolio additionally includes extrajudicial, judicial and international debt collection, credit liberation through 30+ financial institution partners, installment plans with guarantee, debtor search intelligence, customized dossier reporting, and a real-time BI portfolio analytics platform.

Product overview

XPrime Soluções is a Brazilian financial technology company specializing in debt management and credit recovery solutions. The portfolio centers on X-PrimePay, a BACEN-regulated payment guarantee platform that uses card receivables as collateral, complemented by a suite of collection services including extrajudicial and judicial debt recovery, international collection, credit release, and installment solutions with guarantees. The platform operates through a modular architecture featuring client and creditor portals, a Metabase-powered BI system for real-time portfolio analytics, and an ethical reporting channel. The company serves B2B clients seeking to eliminate default risk and recover outstanding debts across Brazil and internationally.

Differentiator

Problem solved

Functional benefit

Brands

• X-Prime Pay: Payment guarantee solution using credit and debit card receivables as collateral, regulated by Banco Central do Brasil (BACEN). Enables businesses to sell on credit with guaranteed payment through automatic debit from card machine transactions.

Products and services

• X-PrimePay Payment guarantee solution, regulated by the Central Bank of Brazil (BACEN), that allows businesses selling on credit to guarantee receivables by using the buyer's credit and debit card sales as collateral; card transactions are automatically transferred to settle the obligation.
• Cobrança Extrajudicial (Out-of-court Debt Collection) Extrajudicial (out-of-court) debt collection service for B2B creditors, with debtor profiling analysis and specialized negotiators distributed by segment and region across Brazil; transitions to judicial action when negotiations fail.
• Cobrança Judicial (Judicial Debt Collection) Judicial debt collection service using a specialized in-house legal team to file legal action against debtors when extrajudicial negotiations fail, for creditors and financial institutions.
• Cobrança Internacional (International Debt Collection) Cross-border debt recovery service, both out-of-court and judicial, delivered through a partner team specialized in international law for creditors whose debtors reside abroad.
• Liberação de Crédito (Credit Liberation) Service that leverages XPrime's network of 30+ partner financial institutions to provide indebted businesses with new credit lines used to restructure and settle existing debt, restoring their purchasing power as active customers.
• Parcelamentos com Garantia (Installments with Guarantee) Debt installment service where the debtor's credit and debit card sales are pledged as guarantee; backed by a BACEN-approved system, giving the creditor assurance of receiving installment payments.
• Dossiê de Informações (Customized Dossier Reporting) Customized information dossier service providing detailed company intelligence — including company information, partner equity holdings, declared assets, and key contacts — to support creditor credit and collection decisions.

Quantifiable outcome

• 70% of companies become defaulted within 60 days due to cash flow problems - the company addresses this primary cause
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Cielo, Redecard, Gernet (Card Payment Processors)coreTechnology or IntegrationX-PrimePay integrates with major Brazilian card payment processors including Cielo, Redecard, and Gernet to automatically transfer card receivables for payment to suppliers, enabling the guaranteed receivables product.
• 30+ Financial Institution PartnerscoreOthersExtensive network of more than 30 financial institution partners providing credit liberation services. These partnerships enable the company to offer various credit options for debt consolidation, helping indebted businesses extend payments and maintain purchasing power as active customers.
• Marques Vieira Advocacia (DPO Partner)minorImplementation/ SI/ Consulting PartnerThe Data Protection Officer (DPO) function is exercised by Marques Vieira Advocacia (OAB/SC 4394/2018), responsible for data governance, holder assistance, and interface with competent authorities for LGPD compliance.
• International Law PartnerminorStrategic or Co-development PartnerSpecialized international law team partner for handling cross-border debt collection cases, enabling the company to offer international extrajudicial and judicial collection services for clients with debtors in other countries.
• Amazon Web Services (AWS)coreTechnology or IntegrationAll data is stored on AWS servers in secure and redundant data centers. AWS provides encryption (TLS and AES-256), strict access controls, regular backups, and redundancy for data protection.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Kasvi: Brazilian debt collection operator with regional concentration and SMB creditor focus—an equivalent regional peer that competes for the same small-business default management mandates as XPrime.

Direct peers

• Recover Brasil: Brazilian debt collection and credit recovery firm offering digital collection solutions across B2B and B2C segments—directly comparable as a tech-enabled collections operator serving creditors in Brazil.
• Multicobra: Brazilian collections and credit recovery firm providing extrajudicial and judicial collection services nationwide—comparable end-market (Brazilian corporate/consumer receivables recovery) and operating model.
• Ativos S.A. Brazilian asset management and debt recovery firm active in judicial and extrajudicial collections, comparable in scope of services including portfolio servicing and credit management across multiple industries.

Broad incumbents

• Boa Vista SCPC: Major Brazilian credit bureau and business information provider—overlaps with XPrime's dossier/debtor search capabilities and serves creditors in Brazil with data-driven recovery intelligence.
• Serasa Experian: Dominant Brazilian credit bureau and risk analytics provider—comparable through its consumer credit data, debtor lookup, and collections-adjacent services, and as a broad incumbent in Brazilian credit information.
• GMC Pactual Group (Atrium/collection arm): Large Brazilian financial conglomerates including collections/credit recovery operations—comparable incumbents that combine capital markets distribution with receivables and credit recovery services at national scale.

Emerging players

• QueroQuitar: Brazilian debt settlement and credit recovery marketplace—directly comparable in the credit liberation and debt consolidation use case that XPrime serves via its 30+ financial institution network.
• Acordo Certo: Brazilian digital debt negotiation platform connecting indebted consumers with creditors—comparable as a tech-led Brazilian debt restructuring channel overlapping XPrime's credit liberation offering.

Others

• CERC (Central de Recebíveis): Brazilian receivables registry and credit infrastructure platform related to receivables-backed financing—adjacent ecosystem participant with overlap in receivables credit data and BACEN-regulated infrastructure relevant to X-PrimePay.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/xprime-solu-es
• Instagraminstagram.com/somosxprime

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 XPrime Soluções