Bradesco Prime
“Can Brazil's incumbent high-income private bank extend its balance sheet into third-party digital ecosystems via embedded lending while defending its affluent-client franchise?”
HQOsasco, São Paulo, Brazil
IndustryBank / National
The story
Bradesco Prime is the high-income (affluent) segment of Banco Bradesco S.A., one of Brazil's largest universal banks. The parent group has been pushing into embedded finance via a Lending-as-a-Service product launched in 2024, distributing PJ credit through third-party ecosystems and ERPs. Its merchant acquiring is handled by long-time related-party Cielo (contract renewed January 2026), and core card processing has historically leveraged Fiserv.
Product timeline
2024
Launched Lending-as-a-Service (LaaS) solution enabling e-commerces, online stores and ERPs to offer working capital and microcredit to their PJ clients, targeting >R$1B in PJ credit in Q1 2024.· lending
Regulated entities
1
regulatory licence held by Bradesco Prime
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
8 layers disclosed in Bradesco Prime’s embedded-finance stack
Payments / PSP
Banking / BaaS
in the full report
Card issuing
in the full report
Card network
in the full report
Lending
in the full report
Open banking
in the full report
FX & payouts
in the full report
Investing
in the full report
Accounting gap: none
19 more providers across 7 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.