Serasa Experian
Also a provider — view Serasa Experian’s profile →“Can a legacy credit bureau become the embedded credit, identity and anti-fraud infrastructure layer of the Brazilian financial system?”
Founded1968
HQSão Paulo, Brazil
IndustryInfrastructure / Identity
The story
Founded in 1968 as Brazil's dominant credit bureau, Serasa was acquired by Experian in 2007. The company has evolved from pure credit reporting into a 'datatech' offering embedded finance infrastructure — most notably MOVA, a Credit-as-a-Service platform that lets non-banks offer BNPL, sales financing and receivables-backed credit. Recent moves into agentic AI (Agente Serasa Empresas on WhatsApp), Open Finance consent flows, and anti-fraud (ClearSale integration) position it as the credit and identity rails of Brazilian embedded finance.
Product timeline
1968
Founded in Brazil as a credit bureau (Serasa)· founding
2007
Acquired by Experian, becoming Serasa Experian· acquisition
2023
Launched MOVA — Credit-as-a-Service platform enabling embedded lending (BNPL, receivables-backed credit, sales financing)· lending
2024
ClearSale + Serasa Experian anti-fraud package launched for e-commerce· pivot
2025
Launched Agente Serasa Empresas — AI agent on WhatsApp that analyzes credit, recommends installment sales and initiates Pix payments (partnership with Delend)· lending
The stack
4 layers disclosed in Serasa Experian’s embedded-finance stack
Money movement
Lending
in the full report
Open banking
in the full report
KYC
in the full report
Accounting gap: none
12 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.