SPC Brasil
“Can Brazil's incumbent credit bureau remain the default risk-data layer as fintechs, Open Finance and Cadastro Positivo commoditize credit information?”
Founded2000
HQBarueri, São Paulo, Brazil
IndustryInfrastructure / Credit Bureau
The story
SPC Brasil is a 70+ year old Brazilian credit bureau (datatech) headquartered in Barueri with ~422 employees. It provides credit analysis, CPF/CNPJ consultations, positive credit registry (Cadastro Positivo), digital certificates, debt collection/recovery, and anti-fraud solutions to ~100,000 Brazilian businesses. It is a data/credit-intelligence company rather than a chartered bank or embedded-finance provider itself; embedded finance touch points are limited to being a credit-data supplier to lenders and PSPs.
Last 12 months
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Product timeline
2000
SPC Brasil incorporated as the credit bureau arm associated with Brazilian trade associations (CNDL network)· founding
The stack
1 layer disclosed in SPC Brasil’s embedded-finance stack
Lending
Análise de CréditoSoluções de Score (Score de Crédito, Score de Recuperação)Cadastro PositivoCobrança e Recuperação (Régua de Cobrança)Gestão de Carteira / SPC Monitora+
Accounting gap: none