Gerencianet
“Can a Brazilian receivables/billing gateway evolve into a full digital bank owning the SMB financial stack in Brazil?”
Founded2007
HQOuro Preto / São Paulo, Brazil
IndustryFintech / SMB banking
The story
Founded 2007 in Ouro Preto, Brazil as Gerencianet — a receivables/billing platform focused on boletos and later Pix for SMBs and developers. Rebranded to Efí Bank to become a full digital bank offering personal and business accounts, credit cards, and payment APIs. Today the company issues 130M+ billings per year and serves ~290k customers across Brazil, competing with local PSPs and neobanks in the Brazilian Pix/boleto/card acceptance market.
Last 12 months
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Product timeline
2007
Founded as Gerencianet, a Brazilian digital payments/receivables management platform.· banking
2022
Rebranded to Efí Bank, expanding from payments into a full digital bank offering PF/PJ accounts, credit cards, and APIs.· pivot
The stack
4 layers disclosed in Gerencianet’s embedded-finance stack
Payments / PSP
Gerencianet / Efí Bank (self-operated)
Money movement
in the full report
Banking / BaaS
in the full report
Card issuing
in the full report
Accounting gap: none
3 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.