“Can a legacy Brazilian vehicle-finance specialist become the credit backbone for underserved classes C/D/E across auto, microcredit, insurance and banking?”
Founded 1994 in Brazil as a regional vehicle-finance company (Local S.A., renamed Omni in 1999) focused on classes C/D/E. Expanded from monoline auto finance into a multi-entity conglomerate — in 2023 it consolidated Omni (auto), Finsol (microcredit), Omni1 (insurance brokerage) and Instituto Omni under the Omni&Co brand. In parallel, Omni Banco was chartered as a banco múltiplo, adding payments (Pix), PJ/PF checking accounts and a co-branded Trigg credit card — turning what was a specialty lender into a full-stack embedded-credit ecosystem.
Omni&Co discloses Omni Banco S.A. (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Omni&Co does not disclose a bank charter of its own; its banking services are provided through Omni Banco S.A. (in-house).
Omni&Co processes payments through Omni Banco (in-house, Pix). Disclosed money-movement rails: Pix.
Omni&Co's cards are issued through Trigg (co-brand partner).
Omni&Co's lending and capital products are provided by Omni CFI (in-house), Finsol (in-house) and Omni Banco (in-house).
Omni&Co's embedded insurance is provided by Omni1 Corretora de Seguros (in-house).
The Embedded Finance Index 2026 maps 6 layers in Omni&Co's stack: Payments / PSP (Omni Banco (in-house, Pix)); Money movement (Pix); Banking / BaaS (Omni Banco S.A. (in-house)); Card issuing (Trigg (co-brand partner)); Lending (Omni CFI (in-house), Finsol (in-house), Omni Banco (in-house), Financiamento de Carro and 9 others); Insurance (Omni1 Corretora de Seguros (in-house)).
Omni&Co is founded in 1994 and headquartered in São Paulo, Brazil.
Omni&Co has raised BRL 300M (disclosed) in total.
Get a read on where your own stack stands against Omni&Co 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.