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BMP Money Plus

“Can a licensed Brazilian SCD become the full-stack BaaS and CaaS infrastructure layer powering the next generation of Brazilian fintechs and embedded finance players?”

Founded1999
HQBrazil
IndustryInfrastructure / BaaS
The story

Founded in 1999 as a licensed Brazilian financial institution focused on credit origination and wholesale/retail financial services. Evolved into a BaaS and CaaS infrastructure provider under the Money Plus brand (moneyp.com.br), leveraging its ISPB 274 banking license to power fintechs and non-banking companies with white-label digital banking, card issuing, PIX, and embedded credit products via API. The company now positions itself as 'O Banco do Futuro' (The Bank of the Future), operating a correspondent-banking partner model that allows third parties to embed regulated financial products without their own banking license.

Last 12 months
—
Product timeline
1999
BMP founded as a financial institution, authorized and regulated by the Banco Central do Brasil.· banking
2009
Formally recognized as a Direct Credit Company (SCD) by the Banco Central do Brasil.· banking
2021
Launched BaaS platform under ISPB code 274 (Money Plus 274), offering digital accounts, PIX, card issuing, credit products and Open Banking to fintech partners.· banking
2022
Introduced Credit as a Service (CaaS) platform enabling fintechs and non-banking companies to become banking correspondents and offer white-label credit products via API.· lending
Regulated entities
1
regulatory licence held by BMP Money Plus
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in BMP Money Plus’s embedded-finance stack
Money movement
Pix
Banking / BaaS
in the full report
Lending
in the full report
Accounting gap: none
16 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.