HBI

What HBI does

HBI SCD S.A. (operating as HBI / High Banking Infra) is a Brazilian Sociedade de Crédito Direto (SCD) authorized by Banco Central do Brasil, founded in 2022-2023 and headquartered in Leopoldina, Minas Gerais. The company operates as a Banking as a Service (BaaS) provider, offering regulated banking infrastructure to businesses that want to offer credit and financial services without acquiring their own banking license. Its core platform, BanKop, is delivered via portal or API and bundles CCB (Cédula de Crédito Bancário) issuance with electronic signature, SCR-Bacen credit information queries, Escrow account management, CNAB-based collection management, customizable credit lines, guarantees registration, and real-time financial dashboards.

HBI's primary customer segments are fintechs, securitizadoras (securitization companies), and FIDCs (receivables investment funds), with secondary targeting of commerce/retail merchants and technology/service companies seeking to embed credit offerings. The company generates revenue through recurring BaaS platform fees on a quote-based, multi-year contract pricing model, with no publicly disclosed pricing tiers. Go-to-market combines an enterprise field sales motion via a dedicated business development team with an API-first self-serve integration channel for mid-market clients, supported by digital content marketing (website, blog, LinkedIn, Instagram) and onboarding services including training, homologation, and continuous support.

The platform is built around integration interoperability — clients can launch branded financial products quickly by connecting via API, with regulatory compliance handled through HBI's SCD status and LGPD-aligned data protection policies. Strategic positioning centers on providing "poder de banco" (banking power) to non-bank businesses, addressing pain points around licensing cost, regulatory complexity, CCB formalization, credit risk assessment, and transaction security. The company does not disclose revenue, funding rounds, customer counts, or ownership structure, operating as a privately held institution with 11-50 employees and a domestic-only (Brazil) geographic footprint.

Name

HBI

Legal name

HBI SCD S.A.

Website

https://somoshbi.com.br

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

HBI SCD S.A. is a Banco Central-authorized Brazilian Banking as a Service provider (SCD) offering regulated banking infrastructure via its BanKop platform — CCB issuance, SCR-Bacen credit queries, Escrow accounts, and collection management — to fintechs, securitizadoras, FIDCs, and other businesses seeking to offer credit without acquiring their own banking license.

Ownership category

akta.pro rank

Product category

Banking as a Service (BaaS) Infrastructure

NAICS

Nondepository Credit Intermediation (5222), Other Activities Related to Credit Intermediation (52239), Other Activities Related to Credit Intermediation (522390)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

akta.pro secondary industries

Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB), Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Banking as a Service
• Embedded finance platform
• Credit operations infrastructure
• Escrow account services
• CCB issuance platform

Headquarters

HQ city

Leopoldina

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. BaaS Platform Services: HBI generates revenue through Banking as a Service fees, charging businesses for access to their complete banking infrastructure including CCB issuance, credit line management, SCR consultation, and Escrow accounts. The platform allows fintechs, FIDCs, and other businesses to operate as financial institutions without obtaining their own banking license.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

HBI provides Banking as a Service infrastructure through its BanKop platform, enabling businesses to formalize and manage credit operations without acquiring a banking license. The platform bundles CCB (Cédula de Crédito Bancário) issuance with electronic signature, SCR-Bacen credit bureau consultation, escrow account management, CNAB-based collection management, and customizable credit lines, all accessible via portal or API integration.

Product overview

HBI operates as a BaaS (Banking as a Service) institution offering a unified ecosystem centered on the BanKop platform. This core platform enables businesses to act as financial institutions without acquiring their own banking license. The product portfolio includes CCB issuance and management, Escrow accounts, SCR-Bacen queries, debt collection, customizable credit lines, and guarantee management—all integrated through the BanKop portal or API. The platform is designed for fintechs, securitizadoras, FIDCs, and other businesses seeking to embed financial services.

Differentiator

Problem solved

Functional benefit

Brands

• BanKop: Digital platform for CCB management, financial operations, and contract signing.

Products and services

• BanKop Platform BanKop is HBI's proprietary Banking as a Service platform that provides complete banking infrastructure for businesses to formalize credit operations, manage CCBs, process payments, and access financial services via portal or API without requiring a banking license. It is designed for fintechs, securitizadoras, FIDCs, and other businesses seeking to embed financial services under their own brand.
• CCB Issuance and Management (Emissão de CCB) Digital issuance, management, and control of Cédulas de Crédito Bancário (CCBs) with legally valid electronic signature, eliminating the need for physical notaries and paperwork. Includes guarantee registration for real estate, vehicles, duplicates, and fidejussory guarantees, supporting personal, payroll-deductible, secured, working capital, and asset-financed credit lines.
• Escrow Account (Conta Escrow) Neutral escrow account that secures transactions by holding funds until contractual conditions are met, protecting parties in financial contracts and complex negotiations. Features include rapid account opening, 24/7 Pix transactions, personalized permissions and limits, and total protection of data and transactions against fraud, blocks, and liens.
• SCR-Bacen Consultation (Consulta SCR e Birôs) Integration with the Sistema de Informações de Crédito do Banco Central (SCR) and major credit bureaus, providing real-time access to clients' credit history, payment patterns, and financial commitments. Enables businesses to reduce default risk, define credit limits and rates, and make data-driven credit decisions with comprehensive data on outstanding balances, operation types, and debt status.
• Collection Management (Gestão de Cobranças) Individual or batch debt collection management via CNAB files, including ticket issuance, complete status tracking of received values and pending items, and optimization of the client's financial flow from end to end. Standardizes alerts across different channels and facilitates operational efficiency.

Quantifiable outcome

• Cost of credit reduced by up to 33.5 percentage points after expansion of positive SCR data access (referenced from industry study on SCR impact)

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Emerging players

• Zoop: Zoop is a Brazilian fintech-as-a-service infrastructure provider (now part of Ualá) offering accounts, payments, and credit rails via API to platforms and marketplaces. It is comparable to HBI for B2B financial-infrastructure APIs and Brazilian regulated-entity positioning.

Broad incumbents

• Banco Inter: Banco Inter is a Brazilian digital bank with an established API and BaaS product line serving fintechs and corporates. As a large incumbent with full banking license, it competes with HBI for enterprise embedded-finance clients with deeper balance-sheet capacity.
• Cielo: Cielo is Brazil's largest card acquirer and payments processor, increasingly expanding into broader financial-services and merchant-credit products. It is comparable as a broad incumbent in Brazilian payment/credit infrastructure that competes for retail and merchant credit use cases HBI targets.

Direct peers

• Pismo: Pismo is a Brazilian-born core banking and payments platform acquired by Visa, providing cloud-based account processing, issuing, and ledger infrastructure. It is comparable to HBI as a regulated-API financial-infrastructure provider serving banks and fintechs.
• Celcoin: Celcoin is a Brazilian fintech infrastructure company offering payments, banking-as-a-service, and credit APIs to fintechs and corporates. It overlaps with HBI on BaaS APIs and credit operations infrastructure serving Brazilian fintechs.
• Belvo: Belvo is a Latin American open-finance API platform enabling fintechs to access bank account, payment, and credit-bureau data. It overlaps with HBI on credit-data access (SCR-equivalent functionality) and embedded-finance APIs for LATAM fintechs.
• Pomelo: Pomelo is a Latin American BaaS platform that lets businesses launch accounts, cards, and payment products via API. It is the most direct competitor to HBI in the regional BaaS space, targeting similar fintech and enterprise clients with regulated banking infrastructure.
• Conta Simples: Conta Simples is a Brazilian BaaS/digital-banking platform that provides business accounts, cards, and financial APIs to SMBs and platforms. It is comparable to HBI for its B2B financial-infrastructure model and Brazilian regulated entity status.
• Dock: Dock is a Brazilian-based card-issuing and banking-as-a-service technology company serving LATAM fintechs and retailers. It competes with HBI in providing regulated financial infrastructure (cards, accounts, credit) through API, though with a heavier focus on card issuing.

Regional players

• Quartzo (formerly BS2 / Bexs): Quartzo is a Brazilian digital bank offering banking infrastructure, FX, and API-based services to corporate and platform clients. It competes with HBI in the embedded-finance and BaaS space within Brazil, particularly around account/escrow and treasury services.

Market position

Strengths5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/somoshbi
• Instagraminstagram.com/somoshbi

Compliance2 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 HBI