Bankly - Banking as a Service
“Can a Bacen-licensed, bank-backed BaaS provider own the modular financial-infrastructure layer for Brazil's fintechs, retailers, and platforms?”
HQSão Paulo, Brazil
IndustryInfrastructure / BaaS
The story
Bankly (legal entity ACESSO SOLUÇÕES DE PAGAMENTO S.A., CNPJ 13.140.088/0001-99) is a Brazilian Banking-as-a-Service platform operating under a Bacen-issued Payment Institution / e-money issuer license. The company is part of the Conglomerado Financeiro Votorantim (Banco Votorantim / BV), positioning it as a bank-backed BaaS provider rather than a fintech reseller. It offers modular APIs (30+) for digital accounts, card issuing, boleto, TED, PIX and card-receivables settlement (SLC), and has expanded into Open Finance participation.
Product timeline
2021
Bankly documents its Full Bank onboarding model for pré-paid payment accounts under Bacen license.· banking
Regulated entities
1
regulatory licence held by Bankly - Banking as a Service
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
Same company
Bankly - Banking as a Service 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 - Banking as a Service’s embedded-finance stack
Payments / PSP
Bankly (self-operated)
Money movement
in the full report
Banking / BaaS
in the full report
Card issuing
in the full report
Lending
in the full report
Open banking
in the full report
Accounting gap: significant
5 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.