Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 3 categories.
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Founded 1983 as a Brazilian brokerage and built into Latin America's largest investment bank (>$300B AUC). Since ~2020, has moved aggressively into SMB digital banking via BTG Pactual Empresas — a full API-driven PJ account product competing with Brazilian neobanks. Also operates a BaaS business (payment initiator, accounts) to other financial institutions, and has used Synctera as the US BaaS layer to offer USD accounts to Brazilian retail clients — a cross-border embedded-finance play unusual among LatAm incumbents.
Other BaaS providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/btg-pactual/install" width="1" height="1" alt="" style="display:none">2 companies disclose BTG Pactual in their stack in the Embedded Finance Index 2026, including Senior Sistemas and Justa.
BTG Pactual is an embedded-finance provider in Lending, BaaS and Sponsor Bank. It ranks #158 of 347 BaaS providers by disclosed buyers.
The most-disclosed BaaS alternatives to BTG Pactual are Evolve Bank & Trust (72 buyers), Sutton Bank (64 buyers), Cross River (56 buyers), Pathward (47 buyers), ClearBank (40 buyers) and Thread Bank (35 buyers).
BTG Pactual was founded by André Esteves and is founded in 1983, headquartered in São Paulo, Brazil.
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