Bankly
“Can a Votorantim-backed, fully-licensed Brazilian BaaS provider win the modular embedded-finance layer powering local fintechs, retailers, and acquirers?”
HQBrazil
IndustryInfrastructure / BaaS
The story
Bankly is a Brazilian Banking-as-a-Service platform operated by ACESSO SOLUÇÕES DE PAGAMENTO S.A., a regulated payment institution. The company is part of the Conglomerado Financeiro Votorantim, providing a modular API stack (30+ APIs) covering digital accounts, PIX, card issuing, boleto, TED, and KYC to banks, fintechs, retailers, and acquirers. It positions itself as a vertically integrated 'technology company with a banking license' — minimizing third-party dependencies by operating most rails in-house.
Last 12 months
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Product timeline
0
Operates as Banking-as-a-Service platform under ACESSO SOLUÇÕES DE PAGAMENTO S.A.· banking
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Part of the Conglomerado Financeiro Votorantim (per security policy disclosure)· acquisition
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Rebrand to new visual identity announced on bankly.com.br· pivot
Regulated entities
1
regulatory licence held by Bankly
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
5 layers disclosed in Bankly’s embedded-finance stack
Payments / PSP
Bankly PIX (self-operated, direct BACEN PIX participant)Bankly TED (self-operated)Bankly Boleto issuance (self-operated)Bankly P2P transfers (self-operated)Bankly bill payments (self-operated)
Banking / BaaS
in the full report
Card issuing
in the full report
Ledger
in the full report
Payroll
in the full report
Accounting gap: minor
4 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.