Remessa
“Can Brazil's leading cross-border remittance app become the embedded FX-as-a-Service layer for Brazilian fintech and SaaS platforms?”
Founded2016
HQBarueri, São Paulo, Brazil
FoundersMarcio William
IndustryFintech / Cross-border payments
The story
Founded 2016 as a Brazilian cross-border remittance app to undercut bank FX spreads. Expanded into multi-currency Conta Global accounts (EUR, USD) via a Portuguese subsidiary (Bee Tech Europe Unipessoal LDA) and launched FXaaS, a B2B embedded-FX API offering quote + international-transfer infrastructure to partner platforms. Strategic question is whether a regulated Brazilian FX correspondent can become the API layer for cross-border money movement out of and into Brazil.
Last 12 months
—
Product timeline
2016
Founded as Bee Tech / Remessa Online to simplify Brazilian cross-border transfers· launch
2019
Crossed R$11B in cumulative transactions, 78k clients· growth
2022
Launched FXaaS — embedded FX API for partner platforms· pivot
2022
Launched Conta Global multi-currency account via Bee Tech Europe (Portugal subsidiary)· banking
2023
Achieved SOC 2 certification· compliance
Regulated entities
1
regulatory licence held by Remessa
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
4 layers disclosed in Remessa’s embedded-finance stack
Payments / PSP
Money movement
in the full report
Banking / BaaS
in the full report
FX & payouts
in the full report
Accounting gap: minor
3 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.