Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 4 companies across 3 categories.
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Founded in 2016 as a payment-access layer for unbanked Brazilians paying bills at lottery kiosks, Celcoin quickly became the infrastructure enabling fintechs and ERPs to embed financial services. The company pivoted from a consumer-facing bill-payment app to a full B2B financial infratech ('infratech financeira') offering modular BaaS, credit, and payments APIs. After two major funding rounds totalling R$ 735M+ and five M&As, Celcoin positioned itself as the backbone of Brazil's embedded-finance ecosystem, serving 6,000+ clients with R$ 30B+ in monthly transaction volume.
Other Lending 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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alt="Ranked #50 of 259 in Lending — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/celcoin/install" width="1" height="1" alt="" style="display:none">4 companies disclose Celcoin in their stack in the Embedded Finance Index 2026, including SuperSim, Caju, C&A Brasil and Jeitto.
Celcoin is an embedded-finance provider in PSP, Lending and BaaS. It ranks #50 of 259 Lending providers by disclosed buyers.
The most-disclosed Lending alternatives to Celcoin are Affirm (64 buyers), klarna (54 buyers), YouLend (45 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
Celcoin was founded by Marcelo França and is founded in 2016, headquartered in Barueri, SP, Brazil.
Celcoin has raised R$ 735M+ in total.
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