Grupo Digital Soluções Financeiras
“Can a lean banking-correspondent franchise network profitably scale distribution of consigned credit to Brazilian retirees and pensioners?”
Founded2018
HQGuarulhos, São Paulo, Brazil
FoundersRoger Chagas
IndustryFintech / Lending
The story
Grupo Digital Soluções Financeiras is a Brazilian banking correspondent (correspondente bancário), not a chartered bank or tech-first fintech. Founded in 2018 in Guarulhos, it distributes credit products — consigned loans, FGTS anniversary-withdrawal anticipation, consigned credit cards, consórcio — on behalf of licensed Brazilian financial institutions. The core business model is originating loans as an intermediary and scaling distribution through a home-office franchise network. It is a lending-distribution SMB, not an embedded-finance infrastructure company.
Last 12 months
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Product timeline
2018
Founded as a correspondente bancário (banking correspondent) focused on consigned credit for INSS retirees and pensioners· lending
2022
Launched franchise model for home-office financial-solutions franchisees· pivot
The stack
1 layer disclosed in Grupo Digital Soluções Financeiras’s embedded-finance stack
Lending
Grupo Digital Soluções Financeiras (in-house origination / correspondente bancário)Crédito Consignado INSSAntecipação Saque Aniversário FGTSCartão de Crédito ConsignadoEmpréstimo Consignado (CLT)Crédito PessoalConsórcioFinanciamento
Accounting gap: none