Onze
“Can a digital-first challenger unbundle Brazil's R$650B corporate pension market from the incumbent banks by wrapping previdência with a financial-health benefits layer?”
Founded 2019 in São Paulo as Brazil's first fintech dedicated to corporate private pension (previdência privada corporativa) — a R$650B market historically dominated by the big Brazilian banks. Onze combines a digital pension platform (with 300+ investment funds distributed via Onze Gestora) with a financial-health hub (check-ups, planner consultations, education). The Icatu Seguros partnership is the structural backbone: Icatu is the regulated insurer holding the pension policies, Onze is the tech and distribution layer. In 2025 the partnership deepened into a joint operation adding credit-against-pension and income-conversion products, signaling a move from pure previdência SaaS toward a broader embedded-finance benefits ecosystem.