Noh
“Can a joint-finance product for couples become the primary banking relationship of a household in Brazil?”
Founded2021
HQSão Paulo, Brazil
Total raised$3M
Latest roundSeed
IndustryFintech / Consumer banking
The story
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.
Last 12 months
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Product timeline
2021
Noh founded in São Paulo as a joint account/shared card product for couples· pivot
2022
Launched prepaid Visa card and shared wallet product· card
2024
Launched Noh Investimentos in partnership with Warren· banking
2024
Added Open Finance connectivity and 'Pix Inteligente' payment initiation· banking
2025
Launched Noh Visa Infinite credit card for couples· card
The stack
9 layers disclosed in Noh’s embedded-finance stack
Payments / PSP
Money movement
in the full report
Banking / BaaS
in the full report
Card issuing
in the full report
Card network
in the full report
Lending
in the full report
Insurance
in the full report
Open banking
in the full report
Investing
in the full report
Accounting gap: none
8 more providers across 8 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.