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Youse

“Can Caixa Seguradora's digital brand Youse become the dominant embedded insurance infrastructure layer for Brazil by combining D2C scale with a B2B API/white-label channel for brokers and corporate partners?”

Founded2016
HQSão Paulo, São Paulo, Brazil
IndustryFintech / Insurtech

The story

Founded in 2016 as Caixa Seguradora's fully digital insurance distribution platform, Youse pioneered direct-to-consumer insurance in Brazil with a mobile-first, self-service model. Over time, it expanded beyond pure D2C to launch Youse Negócios in 2023, a B2B channel offering white-label and API-based insurance distribution to brokers and corporate partners — effectively becoming an embedded insurance infrastructure provider for the Brazilian market. The company operates under the regulatory umbrella of Caixa Seguradora S.A. (a joint venture between Caixa Econômica Federal and CNP Assurances), which gives it access to both bancassurance distribution and deep regulatory cover.

Last 12 months

2024-12

CNP Seguros Holding Brasil published 2024 Sustainability Report noting Youse Seguradora S.A. was authorized by SUSEP but had not yet issued policies under that separate entity.

2025-06

Adyen published a case study grouping Youse with HDI Seguros and Clearcover as insurers that elevated payment approval rates and prevented fraud using Adyen's unified payments platform.

Product timeline

2016

Youse launched as Brazil's first 100% digital insurance platform, offering auto, home, and life insurance under the Caixa Seguradora brand.· insurance

2018

Launched the Youse Card rewards program (member-get-member referral with Visa prepaid cards) to incentivize customer acquisition.· banking

2023

Partnered with Adyen as its payment processing platform, achieving a 2% increase in payment authorization rates.· banking

2023

Launched Youse Negócios, a B2B channel for brokers and partner companies to sell Youse insurance products via white-label and API integrations.· pivot

2024

Youse Seguradora S.A. authorized by SUSEP as a separate regulated entity, though no policies issued under that entity as of the 2024 Sustainability Report.· banking

Regulated entities

regulatory licence held by Youse

Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.

Same company

Youse was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.

Youse Seguros1 layer →

The stack

2 layers disclosed in Youse’s embedded-finance stack

Payments / PSP

Adyen

Insurance

in the full report

Accounting gap: minor

1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.