“Can a regulated Open Finance infrastructure company become the default data-and-payments rail for AI agents operating on Brazilian financial data?”
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.
LINA discloses Lina (in-house) as its banking provider, according to the Embedded Finance Index 2026.
LINA does not disclose a bank charter of its own; its banking services are provided through Lina (in-house).
LINA processes payments through Lina Pay (self-operated). Disclosed money-movement rails: Pix.
LINA connects to bank accounts through Lina (self-operated).
The Embedded Finance Index 2026 maps 4 layers in LINA's stack: Payments / PSP (Lina Pay (self-operated)); Money movement (Pix); Banking / BaaS (Lina (in-house)); Open banking (Lina (self-operated)).
LINA is founded in 2020 and headquartered in São Paulo, Brazil.
LINA has raised $1.5M in total.
Get a read on where your own stack stands against LINA and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.