“Can a Cyrela-backed fintech turn Brazilian home equity into a mass-market credit product?”
CashMe was incubated in 2017 as a financial-solutions unit inside Brazilian homebuilder Cyrela and spun out in 2018 as a home-equity-focused fintech. Rather than operate as a licensed lender, it structures itself as a Banking Correspondent (Correspondente Bancário) under BACEN Resolution 4.935/2021, originating loans on behalf of two chartered financial institutions — BMP Sociedade de Crédito Direto and OXY Companhia Hipotecária. The strategic thesis: leverage Cyrela's real estate expertise to dominate Home Equity in Brazil, a category historically underserved by incumbent banks.
CashMe discloses BMP Sociedade de Crédito Direto S/A and OXY Companhia Hipotecária as its sponsor banks, according to the Embedded Finance Index 2026.
CashMe does not disclose a bank charter of its own; its banking services are provided through BMP Sociedade de Crédito Direto S/A and OXY Companhia Hipotecária.
CashMe's lending and capital products are provided by BMP Sociedade de Crédito Direto S/A and OXY Companhia Hipotecária.
The Embedded Finance Index 2026 maps 2 layers in CashMe's stack: Lending (BMP Sociedade de Crédito Direto S/A, OXY Companhia Hipotecária, Empréstimo com Garantia de Imóvel (Home Equity), Financiamento Imobiliário (SFI) and 8 others); Sponsor bank (BMP Sociedade de Crédito Direto S/A and OXY Companhia Hipotecária).
CashMe is founded in 2018 and headquartered in São Paulo, Brazil.
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