LINA
“Can a regulated Open Finance infrastructure company become the default data-and-payments rail for AI agents operating on Brazilian financial data?”
Founded2020
HQSão Paulo, Brazil
Total raised$1.5M
IndustryInfrastructure / Open banking
The story
Lina was founded in 2020 in São Paulo as an Open Finance infrastructure provider for Brazil, integrating with 100+ financial institutions to broker consented data (accounts, credit ops, cards, investments) and initiate Pix payments (ITP). It holds a Brazilian Instituição de Pagamento licence, which it uses to power both its Lina Pay hosted checkout (Pix at checkout without QR code) and donation flows. Its 2025 positioning has shifted toward 'Agentic Open Finance' — exposing consented data and payment initiation to contextual AI agents.
Last 12 months
—
Product timeline
2020
Lina founded in São Paulo focused on Open Finance infrastructure for Brazil· pivot
2024
Launched Lina Pay — hosted payment page for Pix via Open Finance (ITP)· banking
2025
Positioned as 'Agentic Open Finance' — data + payments infra for AI agents· pivot
Regulated entities
1
regulatory licence held by LINA
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
4 layers disclosed in LINA’s embedded-finance stack
Payments / PSP
Lina Pay (self-operated)
Money movement
in the full report
Banking / BaaS
in the full report
Open banking
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.