“Can a PIX-native weekly credit limit become the default working capital solution for Brazil's 23 million micro-entrepreneurs?”
Zippi was founded to serve Brazil's 23 million micro-entrepreneurs with a BNPL/working-capital credit solution built natively on PIX. Rather than issuing traditional bank accounts or cards, Zippi operates as a banking correspondent for licensed Brazilian credit institutions, disbursing weekly revolving credit limits via PIX. The company monetizes credit risk through a dedicated FIDC structure backed by institutional investors including Itaú and Bradesco, now attracting international capital (Credit Saison). The platform uses automated decisioning (Taktile) to underwrite the largely informal micro-entrepreneur segment at scale.