“Can a coalition loyalty program become the financial super-app that Brazilian consumers use for accounts, credit, and everyday spend?”
Dotz was founded in 2000 as a coalition loyalty program connecting Brazilian consumers to retail, banking, and telecom partners. Over 20 years it evolved from a pure points/rewards operator into a super-app offering embedded financial services — a free prepaid digital account (Dotz Pay), co-branded credit cards with Banco do Brasil, and personal loans through the NoVerde platform. Its 2021 IPO on B3 crystallized the shift from loyalty aggregator to consumer fintech with loyalty as the acquisition wedge.
Dotz discloses Companhia Global de Soluções e Instituição de Pagamentos S.A. (in-house) as its banking provider, with Banco do Brasil as its sponsor bank, according to the Embedded Finance Index 2026.
Dotz does not disclose a bank charter of its own; its banking services are provided through Banco do Brasil.
Dotz processes payments through Dotz Pay (self-operated).
Dotz's cards are issued through Companhia Global de Soluções e Instituição de Pagamentos S.A. (in-house) on the Visa network.
Dotz's lending and capital products are provided by NoVerde (in-house).
The Embedded Finance Index 2026 maps 6 layers in Dotz's stack: Payments / PSP (Dotz Pay (self-operated)); Banking / BaaS (Companhia Global de Soluções e Instituição de Pagamentos S.A. (in-house)); Card issuing (Companhia Global de Soluções e Instituição de Pagamentos S.A. (in-house)); Card network (Visa); Lending (NoVerde (in-house)); Sponsor bank (Banco do Brasil).
Dotz is founded in 2000 and headquartered in São Paulo, Brazil.
Dotz's acquisitions include NoVerde.
Get a read on where your own stack stands against Dotz 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.