Page 3 | Best Embedded Finance Platforms in Brazil of 2026

Rêv

Discover why banks, fintech, and others looking to launch digital payment products choose Rêv. Keep up with the pace of consumer demand and competitor activity with our digital payment products. Deliver branded banking experiences in record time. The Rêv team brings to each partnership decades of understanding and in-market experience developing and managing next-generation payment products around the globe. Our team of industry experts, in combination with our state-of-the-art payment-focused technologies, allows us to not only meet our client's needs but also contribute to the definition of what is possible in our space. We are passionate about building products that have a significant impact on the markets they serve. This is why we developed a unique platform that we and our strategic partners can use to build incredible fintech products and services. With our easy-to-configure cloud-based product platform and processing engine, we can help you get a program launched.

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JustiFi

Traditional payment processors capture the lion’s share of profits from the funds flowing through your platform with a legacy architecture that suppresses the value of your company. That’s not right. We deliver payment and embedded fintech solutions that accelerate the potential of vertical SaaS platforms. Enable sub-account architecture and control your processing costs from the beginning. Archive 100+ basis points of keeping with a team & tech that obsess over your opportunity. Give customers the financial tools they need to grow and achieve 200+ basis points of the keep. Execute the go-to-market strategy to activate your customers and optimize embedded fintech usage. Of course, you need the right sub-account architecture and below-market-rate pricing to be in the payments game. But it takes much, much more to win. The JustiFi payments & embedded fintech platform, combined with our team of strategic payment experts, will help you win the payments game.

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Primer

Connect your favorite payment and commerce services, create beautiful customer journeys and expand into new markets fast, with one unified infrastructure. Drive more revenue with sophisticated, end-to-end workflows. Build brilliant customer journeys and keep customers happy with limitless payment options and commerce services. Integrate Primer once to boost your payment success forever. Create your own payment experience, then track and manage everything seamlessly across your payment processors. Add as many payment methods as you need in minutes and choose how, where and when customers see them at checkout. No compromises, our unified API and suite of tools optimize payments, no matter which processor you use. Unlimited apps and integrations to grow your payment and commerce stack. Smash your goals with a clear source of truth across your entire stack. Track and manage payments, reporting, and everything, from one beautiful dashboard.

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Stripe Treasury

Stripe

Stripe Treasury is a banking-as-a-service API that lets you embed financial services in your marketplace or platform. With a single integration, enable your customers to hold funds, pay bills, earn yield, and manage cash flow. Stripe Treasury provides the modular components you need to build a full-featured, scalable financial product for your customers. We’ve partnered with banks to enable ACH and wire transfers, FDIC insurance-eligible accounts, and faster access to payment funds, all within your platform. Create an account object with a single API request. Onboard users verify their identity and provide an account with one of our bank partners in minutes. Establish a store of funds and configure the properties of your financial product. Enable different ways to transfer funds in and out of an account. Issue custom payment cards to give users more ways to spend their funds. Stripe Treasury is built in partnership with a network of banks.

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Treezor

Embed financial services into your client experience and enhance your business offer thanks to Treezor’s white-label solution. Treezor, the European banking-as-a-service leader, will support you throughout your payment project, every step of the way. A wide range of financial services to support all of your projects. Our modular one-stop-shop solution makes it possible for any company (fintechs and large businesses) to accelerate their banking projects by outsourcing any of their payment needs to us. Rely on Treezor’s regulatory, security, and tech expertise to smoothly embed payments into your customer journey. Treezor represents a creative and innovative hub for the best European fintechs to accelerate the digital transformation of payments. Treezor is the preferred platform for innovative companies, startups, fintechs, neobanks and more. One contract, one API, and one integration, with multiple services and endless possibilities.

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Salsa

Launch your payroll product faster. Grow revenue and delight your customers by launching payroll without the engineering hassle. Delight your customers with payroll built into your platform. We’ll delight you with an effortless product launch. Become indispensable adding a payroll solution on top of your existing features, which means your customers can get everything done inside their favorite platform. We haven’t just replicated what’s out there, we’ve leveled up. Our infrastructure is faster to set up, easier to maintain, more scalable, and less error-prone. Now available in the U.S. & Canada. Launch your product out in the world within just a few weeks and get fast, valuable feedback from customers to keep growing. The Salsa team is the most experienced in the industry. We’ll be behind you every step of the way and can help you design, research, and build. Our tools combine ease and flexibility with maximum customization.

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actyv.ai

Embedded finance offerings for the B2B ecosystem orchestrated on a single platform enable enterprises, distributors, and retailers, and financial institutions to rapidly grow their business. actyv.ai brings together cutting-edge technology and embedded financial offerings, catering to each of the B2B supply chain ecosystem stakeholders. Onboard business partners rapidly in a completely digitized process using actyv Go. Ensure data-backed decision-making and remove subjectivity while onboarding business partners leveraging actyv Score. Get access to embedded buy-now-pay-later payment options for your working capital needs through actyv PayLater and secure your BNPL credit through bite-sized actyv Insure. actyv.ai’s platform provides quantifiable benefits to all stakeholders in the B2B ecosystem. A seamless onboarding and scoring experience with access to embedded finance offerings on a single platform.

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Striga

Striga is an infrastructure for digital assets and financial services as a single set of APIs doing the heavy lifting of security and regulatory compliance. Striga's customers include early-stage FinTech, Web3 innovators, Banking Institutions, and Crypto Exchanges utilizing services spanning the range of Crypto Custody, Trading, Card Issuing, Crypto/Fiat onramp/offramp, and vIBANs issuing. With Striga's APIs, companies can : - Offer crypto accounts to retail or corporates - Issue virtual IBANs to retail or corporates - Issue physical and virtual cards

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Ntropy

Ship faster integrating with our Python SDK or Rest API in minutes. No prior setups or data formatting. You can get going straight away as soon as you have incoming data and your first customers. We have built and fine-tuned custom language models to recognize entities, automatically crawl the web in real-time and pick the best match, as well as assign labels with superhuman accuracy in a fraction of the time. Everybody has a data enrichment model that is trying to be good at one thing, US or Europe, business or consumer. These models are poor at generalizing and are not capable of human-level output. With us, you can leverage the power of the world's largest and most performant models embedded in your products, at a fraction of cost and time.

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CapitalOS

Save time and money for your users with a single API call. Introduce a new revenue stream with no financial downside - CapitalOS provides the capital and takes on compliance and risk. Best-in-class card management and spend controls that seamlessly integrate into your app and continuously improve. Compliance, auditing, and licensing - CapitalOS takes on all the heavy lifting so you can focus on your core competency. Most businesses onboard in 2-4 minutes with instant decision. No credit score check, beautiful mobile, and physical cards. CapitalOS provides the capital and takes on the underwriting risk. Your platform is not financially responsible for your business's transactions.

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Credify

Leverage our insights to make informed lending decisions, ensuring risk management and better customer experience. Identify indicators of delinquency and potential fraud related to unreported credit obligations and stop fraud before it happens. Stay ahead with real-time market trends, adapting strategies swiftly to capitalize on emerging opportunities in the market. Craft laser-focused campaigns with customer segmentation insights, driving engagement and conversion rates. Use machine learning models, financial insights, and transactional data to build incredible products and deliver value to your organization.

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Aria

Easily embed Aria’s financing solution into your product with our APIs. We enable instant payments and maintain your cash flow while you grow. They often seek an alternative way to get paid faster, because their business runs on tight cash flows. Adding financing features into your product would fix that, but it’s quite far from your core activity. Risk assessment is made ahead of contract, based on ARR metrics and forecasts. Our lending solution lets marketplaces and vertical SaaS embed instant advance payments into their product.

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BridgeFT

Build unique digital experiences powered by real-time financial data and insights. Access a write-once read-many data feed of all major custodians, plus leverage plug-and-play white-labeled capabilities for billing, reporting, and more. Create new distribution channels and unlock your firm’s true growth potential. Streamline back-office operations with aggregated portfolio management, automated reporting, and simple fee billing. As the industry’s only completely API-first, multi-custodial software and data aggregation platform built by developers, for developers, BridgeFT’s WealthTech API streamlines your development and consistently matures with the latest technology. WealthTech-as-a-service platform offers a single, open API to trade-ready, multi-custodial data, advanced analytics, and mission-critical applications. Multi-custodial held away assets and 3rd party application data aggregation.

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Parlay

Applicant portal helps small businesses build complete packets in record time. Empower your financial institution to offer a cutting-edge loan origination enhancement tool under your brand, providing a seamless experience for your users. Customize our platform to align perfectly with your brand, ensuring a familiar and engaging user journey. Seamlessly connect our solution with your systems for a unified and efficient loan processing experience. Drive user engagement and loyalty with an intuitive platform that keeps your customers consistently connected. Maximize loan approval rates using readiness scoring and personalized recommendations. Monitor applicant readiness and maximize underwriting efficiency using data-driven analytics.

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Layer

Layer helps software companies launch accounting for their SMB customers. Increase engagement, drive revenue, and become the financial home for your SMBs. A complete accounting solution embedded within your platform. Combine data within your platform with data from customers' external financial accounts to build a complete picture of their accounting. Pass data directly to Layer via our API or use our pre-built integrations with top embedded fintech platforms. Launch an accounting product with workflows designed for your customers’ size and industry. Save customers from generic one-size-fits-none accounting software. Launch a completely white-labeled experience within your platform. Use Layer’s full suite of brandable UI components or build on top of Layer’s API to completely customize the experience. Become customers’ core system of record and increase attach rates to your other financial products.

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Teal

Offer your customers accounting software directly inside your platform. With Teal, you can build the financial hub that drives attachment and engagement with the rest of your financial services products. Build the complete financial operating system for your customers. Give your customers the critical insights they need to run their business, by combining data from multiple sources into Teal's general ledger. Build the single source of truth for your customers' finances and accounting, and watch the attached rates on your financial services products grow. Use our out-of-the-box integrations to ingest data and produce insights, or submit your own data through our API. Go live with your fully featured accounting suite in weeks, not quarters. Teal gives you modular front-end code snippets that can be incorporated into your core product and modified to your exact requirements. Our implementation engineers will work closely with your team to get you to your target implementation, fast.

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Forward

Embedded payments built by software people for software people. Every SaaS company is looking for the next feature or capability to propel their business forward. A feature to close a sale, improve user experience, and re-fact technical debt, all competing for valuable roadmap priority. Monetizing payments first will double revenue per customer, enabling you to fund additional roadmap capacity. Payments is a spectrum of services, and at Forward, we’re adding more solutions to support you wherever you are in your journey. Our process starts with a free payment consultation, and we mean free, we’ve made it super easy to understand how to move forward with your payment journey. You could build your own data center but probably use a large cloud provider, think of payments similarly. Our team can help you to focus on what you do best, which is selling software.

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Aeropay

Aeropay is a financial technology company that helps people move money with bank-to-bank (ACH) transfers. We enable businesses to accept compliant, digital payments, giving customers the freedom to spend. Leaving cash and cards behind and paying with a personal mobile device promotes safety, convenience and a modern lifestyle. Filter payments to view, adjust, void or refund transactions. Capture pre-authorized payments from your customers and adjust payment amounts. Offer monthly subscriptions for recurring revenue. Add multiple locations, and send out location-specific payment links. Create your own branded payment experience. Test the experience in our sandbox environment. Work hand-in-hand with our development teams. Accept digital payments at point-of-sale. Customers simply scan a QR code, link to their bank and pay. Accept online pre-payments for delivery, buy online, pick up in-store and orders. At checkout, customers choose Aeropay to simply link to their bank and pay.

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ZTLment

Split your funds using as many wallets as you want, enjoy instant settlement, and make the payment experience part of your product. Use our event-based payments to make your payment experience completely automated. Use a fully traceable technology, to get the most accurate data from your payment flows. Manage your vendor accounts, automate your payment flows, and use the most accurate data powered by distributed ledger technology. We empower online platforms and marketplaces to seamlessly hold, manage, and distribute funds in real time, with full automation and compliance. Split your payments between your vendor wallets and your treasury wallet. Any data source is a trigger for your payments. Safely hold your user's funds, set the conditions, and automate the entire payment experience. Add any currency to your payment experience, and expand to any European country without blockers. Completely embedded onboarding for your vendors, be compliant without wasting time.

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Softloans

The Softloans technology enables other platforms such as payment service providers, marketplaces, marketing agencies, logistics service providers, and others to offer financing to their business customers. Help your business customers grow by providing them access to working capital. Create a new continuous revenue stream for your business as you earn a commission for each loan issued to your customers. The solution is easily tailored and ready to launch anywhere in Europe and beyond. Softloans helps other lenders grow and be more profitable by reducing the percentage of false loan application rejections. The solution caters to individual and corporate customer assessments, providing unique benefits. For individual borrowers: easily spot risky behaviors like gambling/understand user financial dynamics, etc. Get insights into the structure of the customer and supplier base, and analyze operating and financing cash flows effortlessly.

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NoFrixion

NoFrixion is designed for modern finance teams, who require modern tools to automate money operations. The company is authorised as an electronic money institution (EMI) by the Central Bank of Ireland. The award winning platform includes a regulated ledger, API and user tools designed to help companies with money operations at their core.

Starting Price: €50

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Payitoff

Payitoff is a financial technology company that provides embeddable, intelligent debt guidance solutions for banks, lenders, and financial wellness providers. Their platform offers low-code and no-code tools that enable institutions to deliver personalized debt repayment strategies to their customers, enhancing financial outcomes and increasing engagement. By integrating with Payitoff's solutions, organizations can access real-time debt account information and provide actionable guidance, helping customers save an average of $323 per month on federal student loan repayments. The platform supports various debt types, including student loans, credit cards, mortgages, auto loans, and personal loans, aiming to transform debt management into a driver of business success. Empower your customers with intelligent debt guidance to help them achieve the best outcomes, every time. With just a few clicks, customers perform actions in-app, designed to save thousands on their repayment term.

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Parafin

Parafin supplies the crucial connective fabric that makes financial services robust and enduring. We take on sourcing, underwriting, origination, servicing, compliance and risk, and more. It starts with our superior underwriting. Our sophisticated machine learning models uses data from millions of businesses across all industries and verticals to determine offer eligibility and terms and optimize merchant experience. We created a sleek, white-labeled UI that embeds seamlessly into your existing platform experience. We take on risk and ensure that our products are compliant with various government regulations. We navigate the complexity of capital markets on your behalf. By partnering with best-in-class financial institutions, like Jefferies and Silicon Valley Bank, we always have a reliable flow of funds to support your merchants. We supply more than a framework. Our out-of-the-box solution provides an end-to-end financial services program.

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Infinant Interlace Platform

Infinant

Expand distribution of your banking products through the Interlace platform. Providing the ability to offer new bundled products and services to existing customers and new customers through bank or partner channels. Lift accounts from your legacy core to our virtual account system to reduce legacy operating expense. Ability to launch programs in weeks versus months with a modern API-first cloud-native stack. Eliminate complex and costly core replacement and side-car core projects. Real-time processing of accounts, payments and card transactions to bundle new offerings. Central Interlace Console with compliance assurance across all programs through bank controls that are inherited by every program. Real-time Settlement Automation to ensure integrity of funds flow and to eliminate manual reconciliation of programs.

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Daxia

Daxia is an embedded finance platform that helps businesses from various industries transition into the fintech space, enabling them to unlock new revenue streams. Through a comprehensive, end-to-end solution, Daxia allows companies to develop and launch custom fintech services quickly, enhancing customer experience, data management, and security. The platform offers various solutions, including strategic advisory to guide companies in becoming fintech players, open APIs to incorporate fintech into existing business models, and tools for managing digital assets and ensuring data security. Daxia also provides tokenization to protect sensitive data, ensuring compliance and minimizing risks associated with unauthorized access. The platform is designed to help businesses from industries like consumer, retail, ecommerce, banking, energy, and telecom integrate fintech capabilities into their operations.

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Priority Commerce

Priority Commerce offers a unified commerce platform designed to streamline revenue and accelerate growth through its Priority Commerce Engine (PCE). It integrates multiple financial services, enabling businesses to collect, store, lend, and send money efficiently. With tools like MX Merchant, users can centralize billing, sales tracking, and customer engagement, facilitating same-day funding across all payment routes, including cards, ACH, and cash. Priority Commerce supports various fee-based solutions, allowing for customizable payment processing tailored to specific business needs. For developers and ISVs, Priority provides secure, feature-rich APIs that integrate seamlessly into applications, offering low-code or no-code solutions to expedite development. It automates banking operations, enhance financial transparency, and provides robust security measures to reduce fraud risks.

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Powens

Powens is a leading open finance and embedded banking platform that empowers financial institutions, fintechs, and software vendors across Europe and LATAM to create innovative products and streamline their financial operations through frictionless and fully automated banking and payment experiences. It connects to over 1,800 financial institutions across 12+ European countries, offering real-time access to standardized bank account data, including detailed balances, transactions, and historical data from current accounts. Powens' comprehensive suite includes data & document aggregation solutions, data processing solutions, and accounts & payment solutions. Powens' high-quality standards are evidenced by a 99.5% data refresh success rate and a 99.95% API availability rate over 11 years.

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fino.digital

fino.digital is a market-leading driver of innovation in account and data analysis technologies. We develop customized software solutions for our customers and partners that create prospects for new business models in the B2B and B2B2C sectors. Our declared mission is to give value to data and turn it into valuable insights for our customers through pioneering data analytics solutions. Our AI-based data analytics technologies analyse the account transactions pre-authorized by private or business customers in real time and use them to automatically generate valuable information on financial and life situations, credit and loans, contracts and pension gaps, real estate, liquidity and even recognise life-changing moments, such as retirement or the birth of a child. Whether sales impulses, credit checks, invoice & transaction matching, risk analysis, or improved customer experience for your processes, our products create real added value from data for you and your customers.

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Inswitch

Inswitch Platform is a cloud-native, modular embedded-finance platform that enables any company to integrate banking, payments, wallet, card-issuing, and cross-border money-services capabilities via a single API. It supports core banking and digital wallets (top-ups, bill payments), pay-in/pay-out and alternative payments, virtual and physical card programs (with real-time authorization controls and white-label branding), and multi-currency transactions with global reach across Latin America, the U.S., and beyond. Included in-platform features are built-in compliance and security (KYC/KYB, AML, fraud management), real-time settlement and reconciliation, business-intelligence dashboards, smart orchestration of financial flows, and a business portal for managing branded channels, bank rules, and analytics.

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LendAPI

LendAPI is a highly flexible, infrastructure-first lending and financial services platform that enables organizations to build, launch, and scale custom credit products without the drag of legacy systems. Its Product Studio offers a visual no-code interface to design and publish new lending products in days, while the Decision Engine, Rules Studio, and integrated Pricing Engine allow dynamic rule-configuration, underwriting logic, and pricing strategies to be updated instantly. It includes core modules for Loan Origination and Loan Management, supports embedded-finance use cases such as point-of-sale financing, BNPL (Buy Now Pay Later), real-estate lending, and virtual cards, and offers deep integrations with KYC/KYB, credit-bureau data, fraud-prevention tools, and document-automation. With more than 270 pre-built integrations and a fully API-driven architecture, LendAPI enables fintechs, banks, and retailers to reduce manual review by ~30%.

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Best Embedded Finance Platforms in Brazil - Page 3

Compare the Top Embedded Finance Platforms in Brazil as of April 2026 - Page 3