“Can a regional Brazilian credit cooperative system modernize into a cloud-native, Open Finance-ready digital bank while preserving its cooperative governance model?”
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.
Cooperativa Central Ailos discloses Cooperativa Central Ailos (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Cooperativa Central Ailos does not disclose a bank charter of its own; its banking services are provided through Cooperativa Central Ailos (in-house).
Cooperativa Central Ailos moves money over Pix.
Cooperativa Central Ailos's cards are issued through Cooperativa Central Ailos (in-house).
Cooperativa Central Ailos's lending and capital products are provided by Cooperativa Central Ailos (in-house).
Cooperativa Central Ailos runs its ledger on Topaz.
Cooperativa Central Ailos connects to bank accounts through Sensedia.
The Embedded Finance Index 2026 maps 6 layers in Cooperativa Central Ailos's stack: Money movement (Pix); Banking / BaaS (Cooperativa Central Ailos (in-house)); Card issuing (Cooperativa Central Ailos (in-house)); Ledger (Topaz); Lending (Cooperativa Central Ailos (in-house), CDC Ailos (Crédito Direto ao Cooperado) — personal, CDC Ailos Empresas — business, Financiamento direto na loja (POS financing) and 1 other); Open banking (Sensedia).
Cooperativa Central Ailos is founded in 2002 and headquartered in Blumenau, Santa Catarina, Brazil.
Get a read on where your own stack stands against Cooperativa Central Ailos 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.