“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).
Acerto processes payments through Boleto bancário (self-operated via creditor partners).
Acerto is founded in 2017 and headquartered in Belo Horizonte, Minas Gerais, Brazil.
Get a read on where your own stack stands against Acerto and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.