wertbank.co

What wertbank.co does

Wertbank (legal name WERT ADMINISTRACAO FINANCEIRA DE BENS E CAPITAIS LTDA, CNPJ 56.098.497/0001-87) is a privately held Brazilian digital financial services platform headquartered in Gramado, Rio Grande do Sul, founded in 2024 as a spin-out of Wert Estada & Co. It serves Brazilian individuals (pessoa física) and small and medium-sized businesses (pessoa jurídica), with a secondary focus on tourism-dependent businesses in the Gramado and Serra Gaúcha region. The product portfolio is organized as an integrated ecosystem: a pre-paid digital payment account (via mobile app on iOS and Android), WertPay (payment acceptance and processing with split, links, recurring, and D+1/D+30 settlement), WertExchange (foreign exchange and foreign trade), WertInvest (investment solutions), and WertCredit (receivables anticipation, loans, and financing).

The platform is built on a Wix-hosted website front-end with a digital account interface (Grafeno digital) accessed through a mobile application, backed by anti-fraud systems with facial recognition in line with Brazilian data-protection requirements and Open Banking/Open Finance integration capabilities. Core payment infrastructure — including the pre-paid payment account, transaction processing, and connection to the Brazilian banking system via a liquidating bank — is delivered through a core partnership with PAGME Servicos de Pagamentos Ltda, positioning Wertbank as a correspondent and digital front-end rather than as a licensed payment institution itself.

Wertbank's go-to-market is digital-first and sales-assisted: account opening is self-serve via web forms for both individuals and businesses, followed by consultant contact for needs analysis; sales and support run through WhatsApp ((54) 99602-0508), with awareness driven by a content blog on financial management topics and social media presence on Instagram, Facebook, and LinkedIn. Monetization is described across multiple transaction-fee and professional-services streams — pre-paid account services, payment processing, FX, credit intermediation, and personalized financial consultancy — though specific tariffs are not publicly disclosed. Ownership is founder-controlled with no disclosed external investors or venture capital backing in the available source material, and the firm operates with 1-10 employees.

Name

wertbank.co

Legal name

WERT ADMINISTRACAO FINANCEIRA DE BENS E CAPITAIS LTDA

Website

https://wertbank.co

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Wertbank is a privately held Brazilian digital financial services platform founded in 2024 in Gramado, Rio Grande do Sul, offering an integrated ecosystem of pre-paid payment accounts, payment processing (WertPay), foreign exchange (WertExchange), investment (WertInvest), and credit (WertCredit) to Brazilian individuals and SMBs, with a regional focus on tourism-dependent businesses in Serra Gaúcha.

Ownership category

akta.pro rank

Product category

Digital Banking & Financial Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (52222)

SIC

National Commercial Banks (6021), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

akta.pro secondary industries

Cross-Border & FX Payments Platforms (BPAMAFAK), Trade & Invoice Payments (Cross-Border B2B) (FSAMAIAL)

Keywords

• Digital payment accounts
• Payment processing services
• Foreign exchange services
• Investment management solutions
• Credit intermediation services

Headquarters

HQ city

Gramado

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Pre-paid Payment Account Services: Revenue from pre-paid payment account services including account management fees, transaction fees for PIX, TED, boleto payments, and payment splitting services. Account is managed via partnership with PAGME payment institution.
2. Financial Consultancy Services: Consulting services for investment management, patrimonial planning, and financial organization. Personalized advisory services for wealth management and business financial structuring.
3. Loan Intermediation: Services facilitating credit operations, receivables anticipation, loans and financing through correspondent banking partnerships.
4. WertExchange - Foreign Exchange Services: International currency exchange and foreign trade operations with competitive rates, transaction security, and fast receipt processing with no value limit.
5. WertPay - Payment Processing: Physical and online payment processing including card machines, payment links, recurring payments, split payments, with options for D+1 and D+30 settlement.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Wertbank operates a Brazilian correspondent-banking financial services platform centered on a pre-paid digital payment account (managed through partner PAGME Servicos de Pagamentos) and an integrated ecosystem of four product lines: WertPay (payment acceptance and processing), WertExchange (international currency exchange and foreign trade), WertInvest (investment management and wealth planning), and WertCredit (receivables anticipation, loans, and financing). Customers access services via iOS/Android mobile apps and a web platform, and the company augments these with personalized financial consulting and 24-hour WhatsApp support.

Product overview

Wertbank is a financial services platform offering an integrated ecosystem of products centered around a digital pre-paid payment account. The core portfolio includes WertPay (payment acceptance and processing), WertExchange (international exchange and trade), WertInvest (investment management), and WertCredit (credit facilities including receivables anticipation and loans). The platform operates through a mobile application available on iOS and Android, providing internet banking services for both individuals and businesses, with additional features such as split payments, payment links, and financial consulting.

Differentiator

Problem solved

Functional benefit

Brands

• WertPay: Payment processing ecosystem offering physical and online payments, split payments, payment links, recurring payments, customized POS machines, competitive rates, and D+1 and D+30 payment options.
• WertExchange
• WertInvest
• WertCredit

Products and services

• WertPay Payment processing solution for accepting physical and online payments, including split payments, payment links, recurring payments, customized POS machines, and flexible settlement (D+1 and D+30). Designed for Brazilian businesses that need to accept card, link, and online payments and reconcile them into a single relationship.
• WertExchange International currency exchange and foreign trade service providing currency conversion, competitive rates, transaction security, fast receipt processing, and no value limit. Targeted at Brazilian individuals and businesses engaged in international operations or foreign trade.
• WertInvest Exclusive investment and wealth management offering for clients seeking to grow and protect their financial assets, providing investment strategies, asset protection, and financial planning aligned to the customer's profile. Targeted at Brazilian individuals and businesses with surplus to invest through Wertbank's relationship.
• WertCredit Credit solutions providing financial breathing room to clients through receivables anticipation, loans, and financing, intermediated via correspondent banking partnerships. Designed for Brazilian businesses and individuals that need short-term liquidity or structured financing through Wertbank's relationships.
• Wertbank Digital Account (Pre-paid Payment Account) Pre-paid digital payment account accessible via the Wertbank mobile app (iOS and Android) and web platform, supporting PIX transfers, TED transactions, boleto issuance, split payments, and recurring payments. Managed under partnership with PAGME Servicos de Pagamentos (the licensed payment institution), and available to both individuals (pessoa física) and businesses (pessoa jurídica).
• Financial Consulting and Advisory Services Personalized financial consulting covering investment management, patrimonial planning, business financial structuring, and financial diagnostics, delivered through dedicated consultants and WhatsApp support. Targeted at individuals and businesses needing guided advisory in addition to the self-serve platform.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• PAGME Servicos de Pagamentos LtdacoreTechnology or IntegrationCore payment infrastructure partnership where PAGME serves as the payment institution managing pre-paid payment accounts. PAGME is responsible for account management, payment operations, transaction processing, and integration with the Brazilian banking system (Banco Liquidante). Wertbank operates as a correspondent, offering the payment account services through its digital platform under this partnership.

Recent moves2 records

Expansion highlights5 records

Broad incumbents

• Nubank: Latin America's largest digital bank, offering free digital accounts, PIX, payments, credit, and investments to Brazilian individuals and SMBs. Direct overlap with Wertbank's account, payment, and credit product surface, but at vastly greater scale and with proprietary rails.
• Banco Inter: Brazilian digital bank serving both individuals and businesses with accounts, payments, FX, investments, and credit. Competes head-on with Wertbank's full-stack SMB/consumer offering, but with national scale and a listed balance sheet.
• C6 Bank: Brazilian digital bank offering multi-product accounts, payments, investments, and FX to individuals and businesses. Overlaps with Wertbank's product mix (especially WertExchange FX and WertInvest), though C6 operates at national scale under its own banking license.
• Mercado Pago: Fintech arm of Mercado Livre offering digital accounts, payments, credit, and investments to Brazilian consumers and merchants. Comparable in product breadth to Wertbank's ecosystem, with dominant marketplace-driven distribution.

Direct peers

• PagBank PagSeguro: Brazilian payment institution offering digital accounts, card machines, payment links, and credit to SMBs—directly mirroring WertPay's payment-acquiring and account proposition, with a proprietary acquiring license rather than a correspondent model.
• Stone Co. Brazilian SMB-focused payments and banking platform offering card machines, digital accounts, and credit. Closest direct peer to Wertbank's WertPay + WertCredit SMB stack, with materially greater scale and a public listing.
• PicPay: Brazilian digital wallet and payments platform offering accounts, PIX, payment links, and credit to consumers and SMBs. Comparable in scope to Wertbank's pre-paid account and payment-processing product surface.
• Conta Azul: Brazilian SaaS fintech targeting SMBs with financial management, payments, and credit products. Highly comparable to Wertbank's SMB-focused cash-flow and financial-organization positioning, though built on a software-first model.

Emerging players

• Will Bank: Brazilian digital bank focused on the lower-income and emerging-middle-class consumer segment, offering pre-paid accounts, PIX, and credit—overlapping with Wertbank's individual (pessoa física) account product but in a different income niche.
• Caju: Brazilian benefits and corporate payments platform (meal/food cards, multi-benefit cards) with embedded financial services to corporate clients. Comparable B2B payments overlap with Wertbank's WertPay payment-processing and folha de pagamento capabilities.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/profile.php?id=61566809798146
• LinkedInlinkedin.com/company/wertbank-co
• Instagraminstagram.com/wertbank.co

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 wertbank.co