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
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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.
Same company
Bankly was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.
The stack
6 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)
Money movement
in the full report
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
5 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.