“Can a PIX-native working capital platform become the dominant credit layer for Brazil's 23 million micro-entrepreneurs by combining real-time payment infrastructure with data-driven weekly credit limits?”
Zippi was founded to serve Brazil's 23 million micro-entrepreneurs who lack affordable access to working capital. The company built its product natively on PIX — Brazil's central bank instant payment infrastructure — to disintermediate card schemes and deliver weekly credit limits directly via the PIX network. Rather than a traditional loan product, Zippi operates a revolving B2B BNPL model where micro-businesses pay suppliers instantly and repay in weekly installments, with limits growing as repayment history accumulates. The company has progressively institutionalized its credit funding through a dedicated FIDC vehicle, attracting major Brazilian financial institutions and, in 2026, its first international investor.
Zippi processes payments through PIX (Banco Central do Brasil — self-operated rails). Disclosed money-movement rails: Pix.
Zippi uses Taktile for fraud prevention.
The Embedded Finance Index 2026 maps 4 layers in Zippi's stack: Payments / PSP (PIX (Banco Central do Brasil — self-operated rails)); Money movement (Pix); Lending (Weekly revolving working capital / B2B BNPL via PIX, Supplier payment financing for micro-entrepreneurs and FIDC-funded credit portfolio); Fraud (Taktile).
Zippi was founded by André Bernardes (Founder & CEO), Ludmila Pontremolez (Co-Founder & Data Science) and Bruno Lucas (Co-Founder & CFO) and is headquartered in Brazil.
Zippi has raised ~$73M (FIDC issuances: ~$13.2M in 2024, ~$16M in 2025, ~$44M in 2026) in total (latest round: FIDC Third Issuance, 2026).
Get a read on where your own stack stands against Zippi 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.