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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

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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

Correspondente Cambial (FX Correspondent)

Brazil (BCB)

Bee Tech Serviços de Tecnologia Ltda.

The stack

Payments / PSP

PIX (self-operated)TED (self-operated)

Banking / BaaS

Bee Tech Europe Unipessoal LDA (in-house, EU subsidiary)

FX & payouts

Nium

Accounting gap: minor