Onze provides a fully digital pension and financial‑health platform for Brazilian companies, enabling employers to offer tax‑advantaged retirement plans backed by a diversified portfolio of over 300 funds. The solution includes a financial‑health hub with regular check‑ups, personalized advisory sessions, and educational content, all managed through an automated HR portal and a mobile app for employees.
Funding
$18.2M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
1OFounders
Product
Problem
Many Brazilian employees lack access to effective retirement planning and financial wellness resources, leading to financial stress and lower productivity. Companies struggle to offer attractive, compliant benefits that help retain talent without adding administrative burden.
Solution
Onze delivers a fully digital pension and financial‑health platform tailored for corporate benefit programs. The service combines a diversified portfolio of over 300 investment funds, managed by leading custodians, with a dedicated financial‑health hub that offers regular check‑ups, personalized advisory sessions, and educational content. Employers can configure contribution levels and incentives, while the platform automates enrollment, contribution adjustments, and compliance reporting. Employees access their plans through a mobile app that provides real‑time portfolio insights, personalized savings recommendations, and direct chat with certified planners. Integrated analytics generate exclusive financial‑health reports for HR, highlighting stress points and enabling targeted engagement initiatives. The solution is backed by the Icatu insurance group and regulated by SUSEP, CVM, and ANBIMA, ensuring security and regulatory compliance.
Target Audience
Primary customers are mid‑to‑large companies seeking to enhance their employee benefits suite, particularly HR and talent‑acquisition teams that want to attract and retain skilled workers.
Features
- 100% digital enrollment and management portal for HR, with bulk import/export and contribution controls
- Portfolio of 300+ funds across fixed income, multimarket, and equity, curated by Intrag (Itaú) and Icatu
- Regular financial‑health check‑ups using brief questionnaires to generate personalized improvement plans
- One‑on‑one advisory sessions with certified financial planners via in‑app chat (no bots)
- Educational modules, webinars, and custom in‑company workshops on personal finance topics
- Real‑time dashboards for employees showing portfolio performance and retirement projections
- Automated compliance reporting and tax‑advantaged contribution handling under Brazilian regulations
- Data protection aligned with LGPD and secure custodial storage of assets with Itaú