“Can Brazil's original prepaid-gift-card fintech expand from gifting into a broader corporate incentives, rewards and payments platform?”
Vale Presente launched in 2011 as Brazil's first fintech, pioneering the issuance of Mastercard-branded prepaid gift cards by a non-financial institution. In 2015 it obtained a Payment Institution license from the Brazilian Central Bank. Acquired by Social Bank in 2019, it has since evolved from a pure gift-card issuer into a broader prepaid-card and corporate incentives platform, distributing over R$500M through 2M+ cards issued to 5,000+ enterprise clients for HR, loyalty and reward campaigns.
Vale Presente S.A. discloses Vale Presente Instituição de Pagamento (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Vale Presente S.A. does not disclose a bank charter of its own; its banking services are provided through Vale Presente Instituição de Pagamento (in-house).
Vale Presente S.A. processes payments through Vale Presente Instituição de Pagamento (self-operated).
Vale Presente S.A.'s cards are issued through Vale Presente Instituição de Pagamento (self_issued) on the Mastercard network.
The Embedded Finance Index 2026 maps 4 layers in Vale Presente S.A.'s stack: Payments / PSP (Vale Presente Instituição de Pagamento (self-operated)); Banking / BaaS (Vale Presente Instituição de Pagamento (in-house)); Card issuing (Vale Presente Instituição de Pagamento (self_issued)); Card network (Mastercard).
Vale Presente S.A. was founded by Rodrigo Borges and is founded in 2011, headquartered in Uberlândia, Minas Gerais, Brazil.
Get a read on where your own stack stands against Vale Presente S.A. 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.