Celcoin
Also a provider — view Celcoin’s profile →“Can a modular Brazilian financial infratech become the single regulatory and technology layer that any company — fintech, ERP, retailer or bank — needs to embed banking, credit, and payments under its own brand?”
Founded in 2016 as a payment-access layer for unbanked Brazilians paying bills at lottery kiosks, Celcoin quickly became the infrastructure enabling fintechs and ERPs to embed financial services. The company pivoted from a consumer-facing bill-payment app to a full B2B financial infratech ('infratech financeira') offering modular BaaS, credit, and payments APIs. After two major funding rounds totalling R$ 735M+ and five M&As, Celcoin positioned itself as the backbone of Brazil's embedded-finance ecosystem, serving 6,000+ clients with R$ 30B+ in monthly transaction volume.