“Can a joint-finance product for couples become the primary banking relationship of a household in Brazil?”
Noh (Noh Pay LTDA) was founded in November 2021 in São Paulo as the world's first credit card and joint account built specifically for couples. Starting with a shared prepaid Visa card and expense-splitting app powered by Dock's processing infrastructure, Noh has expanded into a broader financial platform for couples — adding Open Finance connectivity for account aggregation and Pix initiation, an investment portfolio in partnership with Warren, and a Visa Infinite credit card. Nath Finanças, Brazil's leading personal finance educator, is a co-owner and content partner.
Noh discloses Dock as its banking provider, according to the Embedded Finance Index 2026.
Noh does not disclose a bank charter of its own; its banking services are provided through Dock.
Noh processes payments through Dock. Disclosed money-movement rails: Pix.
Noh's lending and capital products are provided by Noh (in-house credit card).
Noh connects to bank accounts through Open Finance Brasil (Iniciador — CNPJ 44.471.172/0001-19).
Noh's embedded insurance is provided by Dog Life.
Noh's investing and wealth products are powered by Warren.
The Embedded Finance Index 2026 maps 9 layers in Noh's stack: Payments / PSP (Dock); Money movement (Pix); Banking / BaaS (Dock); Card issuing (Dock); Card network (Visa); Lending (Noh (in-house credit card)); Insurance (Dog Life); Open banking (Open Finance Brasil (Iniciador — CNPJ 44.471.172/0001-19)); Investing (Warren).
Noh is founded in 2021 and headquartered in São Paulo, Brazil.
Noh has raised $3M in total (latest round: Seed).
Get a read on where your own stack stands against Noh 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.