Zippi
“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.