← Embedded Finance Index 2026

Junto Seguros

“Can a legacy Brazilian surety insurer become the API-native backbone for broker-distributed B2B guarantees?”

Founded1992
HQCuritiba, Paraná, Brazil
IndustryFintech / Insurtech

The story

Junto Seguros is a 30-year-old Brazilian surety-bond and rental-guarantee insurer that has repositioned itself as an insurtech via a public developer API for brokers. It sells Seguro Garantia (contractual/judicial surety) and Fiança Locatícia (rental bond) exclusively to businesses, operating through 7,000+ brokers rather than direct-to-consumer. Ownership sits with Paraná Banco and Travelers, with Advent International having been a historic PE investor. The embedded-finance angle is API-first broker distribution, not consumer fintech.

Last 12 months

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Product timeline

1992

Founded as a Brazilian surety-focused insurer (Paraná Banco insurance arm).· founding

2004

Acquired by Advent International (private-equity investment).· acquisition

Regulated entities

regulatory licences held by Junto Seguros

Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.

The stack

2 layers disclosed in Junto Seguros’s embedded-finance stack

Money movement

Pix

Insurance

in the full report

Accounting gap: none

2 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Junto Seguros — frequently asked

Which payment rails does Junto Seguros use?

Junto Seguros moves money over Pix.

Which insurance provider does Junto Seguros partner with?

Junto Seguros's embedded insurance is provided by Junto Seguros S.A. (in-house) and Junto Resseguros S.A. (in-house).

What is Junto Seguros's embedded finance stack?

The Embedded Finance Index 2026 maps 2 layers in Junto Seguros's stack: Money movement (Pix); Insurance (Junto Seguros S.A. (in-house) and Junto Resseguros S.A. (in-house)).

Where is Junto Seguros headquartered?

Junto Seguros is founded in 1992 and headquartered in Curitiba, Paraná, Brazil.

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