“Can a Brazilian digital bank become the go-to financial infrastructure layer for SMBs needing credit, FX, and payments in the LATAM corridor?”
Banco BS2 is a Brazilian digital bank specializing in fintech solutions for businesses, particularly SMBs. The bank has historically focused on B2B financial services including credit, FX, and payments infrastructure. BS2 also had a longstanding association with Adiq, an acquiring business founded in 2015, which eventually became an independent entity. In 2024, BS2 expanded its international reach by partnering with Nium for global FX settlements and real-time cross-border payouts, particularly targeting Brazil–China and Brazil–UAE corridors.
BS2 uses Nium for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 3 layers in BS2's stack: Lending (Limite Empresarial (revolving business credit line / business overdraft), Antecipa Cartão (card receivables financing) and FX trade finance operations); Unified APIs (Nium); FX & payouts (Nium).
BS2 is headquartered in São Paulo, Brazil.
Get a read on where your own stack stands against BS2 and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.