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Konsi

“Can a loan-comparison marketplace for payroll-deductible credit become the dominant financial platform for Brazil's public servants, retirees, and CLT workers?”

Founded2021
HQSalvador, Bahia, Brazil
Total raised$1.6M
IndustryFintech / Lending
The story

Founded in 2021, Konsi started as a loan comparison app focused on empréstimo consignado (payroll-deductible loans) for public servants, INSS retirees and pensioners. The company progressively expanded its addressable market by adding CLT (private-sector) workers via the Crédito do Trabalhador program and launching a Cartão Benefício Consignado product. Its core strategic insight is that acting as a neutral aggregator/marketplace over 20+ partner banks — rather than a direct lender — allows it to acquire users cheaply and monetize through referrals, with potential to expand into other financial products for the same underserved segments.

Last 12 months
2025-08
Product timeline
2021
Founded in Salvador, Bahia as a fintech focused on democratizing access to consignado (payroll-deductible) loans through a comparison marketplace app.· lending
2025
Received the RA1000 Seal from Reclame Aqui for high-quality customer service, and reported R$700M+ in transacted loans with 200,000+ users.· banking
2026
Expanded product suite to include Empréstimo Consignado CLT (private consignado for CLT workers), Cartão Benefício Consignado, and Proposta Personalizada; grew partner bank network to 20+ institutions.· lending
Regulated entities
1
regulatory licence held by Konsi
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
1 layer disclosed in Konsi’s embedded-finance stack
Lending
Empréstimo Consignado (public servants)Empréstimo Consignado INSS (retirees/pensioners)Empréstimo Consignado CLT (private-sector workers)Cartão Benefício ConsignadoSaque Cartão BenefícioProposta PersonalizadaPortabilidade de Consignado
Accounting gap: none