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Accesstage

“Can a decades-old bank-connectivity middleware become the Open Finance orchestration layer for Brazilian corporate treasuries?”

Founded2002
HQSão Paulo, Brazil
FoundersCelso Sato, Fernando Takano
IndustryInfrastructure / Payments
The story

Accesstage started in 2002 as a B2B financial connectivity provider — essentially an EDI/CNAB middleware plugging corporates into 114+ Brazilian banks for accounts payable and receivable. Over two decades it has moved up the stack from pure bank connectivity to an Open Finance platform: the Veragi platform orchestrates supply-chain finance (risco sacado / risco cedente) across 80+ financial institutions, and in 2024 it earned an ITP licence from the Brazilian Central Bank, positioning it to initiate Pix payments directly rather than just move files. The strategic arc is from file-mover to embedded finance orchestrator for corporate treasuries.

Last 12 months
2024-05
2025-02
Product timeline
2002
Founded by Celso Sato and Fernando Takano as a B2B financial connectivity company· founding
2021
Launched Veragi platform for supply chain finance / risco sacado, cash management, and credit orchestration· lending
2024
Received Banco Central authorization to operate as an ITP (Payment Initiation Service Provider) under Open Finance· banking
Regulated entities
1
regulatory licence held by Accesstage
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
5 layers disclosed in Accesstage’s embedded-finance stack
Payments / PSP
Accesstage (self-operated)Veragi (self-operated)
Money movement
in the full report
Lending
in the full report
Open banking
in the full report
Accounting
in the full report
Accounting gap: minor
8 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.