“Can a Brazilian whitelabel banking platform + embedded engineering squads become the go-to infrastructure partner for regulated institutions launching digital financial products?”
MB Labs began in 2013 as a general software development shop in Campinas, Brazil, and has since repositioned itself as a specialized fintech infrastructure provider. Today it markets a whitelabel banking platform covering cards, benefits, Open Finance, personal lending, Pix, receivables anticipation, banking, investments, and FX — bundled with dedicated engineering squads. It is an enabler/vendor of embedded finance for Brazilian institutions, not an end-consumer fintech.
MB Labs discloses MB Labs Whitelabel Banking (self-operated) as its banking provider, according to the Embedded Finance Index 2026.
MB Labs does not disclose a bank charter of its own; its banking services are provided through MB Labs Whitelabel Banking (self-operated).
MB Labs processes payments through Pix (whitelabel product). Disclosed money-movement rails: Pix.
MB Labs's lending and capital products are provided by MB Labs Whitelabel (self-operated).
MB Labs connects to bank accounts through MB Labs Open Finance (whitelabel module).
MB Labs uses MB Labs Câmbio (self-operated whitelabel) for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 6 layers in MB Labs's stack: Payments / PSP (Pix (whitelabel product)); Money movement (Pix); Banking / BaaS (MB Labs Whitelabel Banking (self-operated)); Lending (MB Labs Whitelabel (self-operated), Empréstimo Pessoal (whitelabel module) and Antecipação (receivables anticipation)); Open banking (MB Labs Open Finance (whitelabel module)); FX & payouts (MB Labs Câmbio (self-operated whitelabel)).
MB Labs is founded in 2013 and headquartered in Campinas, São Paulo, Brazil.
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