“Can algorithmic underwriting plus Open Finance data unlock profitable microcredit for Brazil's negativados — the customers traditional banks reject?”
Founded 2019 as an online microcredit lender for Brazil's underbanked classes C/D — the value prop is a high approval rate (including negativados) via alternative-data underwriting. Between 2020-2021 SuperSim pivoted toward a 'lending-as-a-service' model, distributing loans through partnerships as a correspondente bancário for licensed banks (Socinal, Celcoin/Via Capital SCD). More recently the company has adopted Brazilian Open Finance for underwriting and, contradicting its digital-only origins, opened a physical retail store in 2026 to reach customers offline.
SuperSim discloses SOCINAL S.A. – Crédito Financiamento e Investimento, Via Capital SCD (Celcoin) as its sponsor bank, according to the Embedded Finance Index 2026.
SuperSim does not disclose a bank charter of its own; its banking services are provided through SOCINAL S.A. – Crédito Financiamento e Investimento, Via Capital SCD (Celcoin).
SuperSim processes payments through Celcoin (self-operated payout rail) and PIX (self-operated). Disclosed money-movement rails: Pix.
SuperSim's lending and capital products are provided by SOCINAL S.A. (partner lender) and Via Capital SCD / Celcoin (partner lender).
SuperSim connects to bank accounts through Brazilian Open Finance (BACEN-regulated ecosystem).
The Embedded Finance Index 2026 maps 5 layers in SuperSim's stack: Payments / PSP (Celcoin (self-operated payout rail) and PIX (self-operated)); Money movement (Pix); Lending (SOCINAL S.A. (partner lender), Via Capital SCD / Celcoin (partner lender), Empréstimo Pessoal Online, Empréstimo para negativados and 7 others); Open banking (Brazilian Open Finance (BACEN-regulated ecosystem)); Sponsor bank (SOCINAL S.A. – Crédito Financiamento e Investimento, Via Capital SCD (Celcoin)).
SuperSim was founded by Antonio Brito, Daniel Shteyn and Rômulo Coutinho and is founded in 2019, headquartered in São Paulo, Brazil.
SuperSim has raised $36.2M in total (latest round: Series A (2022)).
Get a read on where your own stack stands against SuperSim and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.