“Can a decades-old bank-connectivity middleware become the Open Finance orchestration layer for Brazilian corporate treasuries?”
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.
Accesstage processes payments through Accesstage (self-operated) and Veragi (self-operated). Disclosed money-movement rails: Pix.
Accesstage's lending and capital products are provided by Veragi (self-operated).
Accesstage connects to bank accounts through Accesstage (self-operated ITP).
Accesstage integrates with ERP integration via EDI (CNAB) and ERP integration via API.
The Embedded Finance Index 2026 maps 7 layers in Accesstage's stack: Payments / PSP (Accesstage (self-operated) and Veragi (self-operated)); Money movement (Pix); Lending (Veragi (self-operated), Risco Sacado (reverse factoring / supply chain finance), Risco Cedente (receivables anticipation) and Card receivables anticipation); Open banking (Accesstage (self-operated ITP)); Accounting (ERP integration via EDI (CNAB) and ERP integration via API); Spend / AP (Veragi (self-operated)); Treasury (Veragi (self-operated)).
Accesstage was founded by Celso Sato and Fernando Takano and is founded in 2002, headquartered in São Paulo, Brazil.
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