Acerto
“Can a digital-first debt negotiation platform become the default settlement layer between Brazil's 65M delinquent consumers and their creditors?”
Founded 2017 in Belo Horizonte, Acerto built a 100% digital debt-negotiation platform connecting delinquent Brazilian consumers with creditors (banks and retailers). The company positions itself among the top three in Brazilian debt recovery, with partnerships spanning major banks (Nubank, Itaú, Santander, Inter, BTG, C6) and retailers (Magalu, Carrefour, Casas Bahia, Riachuelo). Now operating under Grupo Inter, Acerto has layered AI (NegocIA) into its negotiation flow to personalize settlement offers. Its embedded finance footprint is limited: the product is primarily a marketplace/settlement layer, with payments handled via boleto (bank slip).