Cooperativa Central Ailos
“Can a regional Brazilian credit cooperative system modernize into a cloud-native, Open Finance-ready digital bank while preserving its cooperative governance model?”
Founded2002
HQBlumenau, Santa Catarina, Brazil
IndustryBank / Community
The story
Ailos is a Brazilian credit cooperative system founded in 2002, composed of 13 affiliated credit cooperatives, an insurance brokerage, and the Central Ailos entity that provides shared technology and risk management services. Since 2021 it has been executing a 10-year digital transformation, replacing its banking core with Topaz on AWS. It participates in Open Finance Brasil as both a data holder and a Payment Initiation Service Provider (PISP/ITP), using Sensedia for API management.
Product timeline
2002
Cooperativa Central Ailos founded in Blumenau, Santa Catarina· banking
2021
Ailos begins cloud banking core migration with Topaz and AWS· banking
2024
Reaches ~1.6M members, R$17B credit portfolio, R$25B in assets; participates in Open Finance as PISP and data holder· banking
Regulated entities
2
regulatory licences held by Cooperativa Central Ailos
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
Same company
Cooperativa Central Ailos was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.
The stack
6 layers disclosed in Cooperativa Central Ailos’s embedded-finance stack
Money movement
Banking / BaaS
in the full report
Card issuing
in the full report
Ledger
in the full report
Lending
in the full report
Open banking
in the full report
Accounting gap: none
9 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.