“Can a Brazilian employee benefits card platform become the all-in-one HR and financial operating system for companies of every size, from payroll benefits to lending and people management?”
Founded in 2019 as a Brazilian employee benefits platform (multi-benefit Visa card), Caju expanded from benefit card issuance to a full HR & finance stack — adding corporate expense management, people/HRIS management, health & wellness benefits, and mobility. The company subsequently entered lending via a banking correspondent relationship with Celcoin (VIA CAPITAL SCD), offering consignado privado (payroll-deducted loans) to employees of its 65,000+ client companies, effectively transforming from a benefits card issuer into a horizontal HR-tech platform with embedded finance.
Caju moves money over Pix.
Caju's cards run on Visa.
Caju's lending and capital products are provided by Celcoin.
Caju integrates with ERP (API).
The Embedded Finance Index 2026 maps 4 layers in Caju's stack: Money movement (Pix); Card network (Visa); Lending (Celcoin and Empréstimo Consignado Privado (payroll-deducted personal loan)); Accounting (ERP (API)).
Caju is founded in 2019 and headquartered in São Paulo, Brazil.
Caju has raised $40.1M in total (latest round: Series B).
Get a read on where your own stack stands against Caju 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.