“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?”
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.
Youse processes payments through Adyen.
Youse's embedded insurance is provided by Caixa Seguradora S.A. (in-house).
The Embedded Finance Index 2026 maps 2 layers in Youse's stack: Payments / PSP (Adyen); Insurance (Caixa Seguradora S.A. (in-house)).
Youse is founded in 2016 and headquartered in São Paulo, São Paulo, Brazil.
Get a read on where your own stack stands against Youse 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.