Crefisa
“Can a legacy Brazilian personal-credit financeira become a full-stack digital bank for underserved retirees and small businesses?”
Founded1964
HQSão Paulo, Brazil
IndustryFintech / Lending
The story
Crefisa is a 60-year-old Brazilian personal-credit lender focused historically on retirees and clients with restricted credit ('negativados') accessed via branch and phone. Over the last decade it has extended into digital banking (Crefisa Mais current account and app with Pix/TED), card acquiring (Crefisa Pay, built with DXC Technology) and Open Finance connectivity, effectively pivoting from a mono-line consumer lender into a multi-product financeira operating under a Banco Central SCFI licence.
Last 12 months
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Product timeline
0
Launch of Crefisa Pay, an acquiring/POS product for individuals and businesses, developed with DXC Technology.· payments
0
Launch of Crefisa Mais — digital current account app with Pix, TED, bill pay, debit card.· banking
1964
Crefisa founded in São Paulo as a personal credit lender.· founding
2015
Crefisa/FAM begin sponsorship of Palmeiras football club, dramatically increasing brand visibility.· brand
Regulated entities
1
regulatory licence held by Crefisa
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
5 layers disclosed in Crefisa’s embedded-finance stack
Payments / PSP
Crefisa Pay (self-operated)
Money movement
in the full report
Banking / BaaS
in the full report
Card issuing
in the full report
Lending
in the full report
Accounting gap: none
8 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.