Mutual operates a peer-to-peer lending marketplace in Brazil, utilizing a structured credit instrument known as Cédula de Crédito Bancário (CCB) to facilitate direct loans between individuals. The platform provides access to alternative investment opportunities, enabling users to achieve higher returns compared to traditional banking products.
Funding
Funding not disclosed
Founders
Product
Problem
Traditional investment options in Brazil often yield low returns, failing to meet the financial goals of individuals seeking higher growth potential. Access to alternative asset classes with potentially greater returns remains limited for many investors.
Solution
Mutual is a platform in Brazil that connects investors with alternative investment opportunities, offering access to assets beyond traditional banking products. The platform curates and classifies various assets, such as Consignado, Precatórios, Home Equity, Royalties, and Ativos Reais, enabling users to select investments aligned with their objectives. By providing a curated selection of assets from partner companies, Mutual aims to deliver returns exceeding those typically found in conventional investment markets. The company supports all functionalities via web, including processing withdrawals, receiving payments, and managing collections.
Target Audience
The primary target audience consists of individual investors in Brazil seeking higher returns than traditional banking products offer and access to a diversified portfolio of alternative assets.
Features
- Access to a variety of alternative asset classes including Consignado (payroll loans), Precatórios (government debt), Home Equity, Royalties, and Ativos Reais (real assets).
- Curated selection of investment opportunities from partner companies.
- Asset classification based on key characteristics such as liquidity, return, risk, and volatility.
- Web-based platform for managing investments, processing withdrawals, and tracking payments.
- Customer support available on weekdays from 8 am to 6 pm.
- Two-factor authentication for enhanced account security.