Top 50 Bnpl Platform in LATAM

The startup provides a fully digital banking platform that combines fee‑free checking accounts, a no‑annual‑fee credit card, high‑yield “Caixinhas” savings containers, and an integrated investment hub within a single mobile app. Users can open accounts instantly via biometric verification, manage cards in real time, execute instant Pix transfers, and share open‑finance data, while small‑to‑medium businesses access a dedicated suite for payments, credit lines, invoicing, and automated tax reporting. The model monetizes through interchange fees, interest on credit balances, a subscription tier, and foreign‑exchange spreads, delivering a low‑cost, all‑in‑one solution for digitally‑savvy consumers and enterprises.

PROSPERiA is a healthtech company focused on democratizing healthcare access through Artificial Intelligence solutions. The core platform automatically analyzes retina images to prevent blindness. This analysis provides personalized recommendations for both patients and medical professionals.

Nuvia designs high-performance processors optimized for compute-intensive applications through advanced silicon architecture, significantly enhancing processing speed and energy efficiency. The company provides a solution for the increasing demand for computational power in data centers and high-performance computing environments.

Falcon Computing Solutions offers FPGA acceleration solutions designed for compute-intensive data center applications, enhancing processing speed and efficiency. Their technology addresses the demand for high-performance computing by enabling scalable and seamless integration into existing infrastructure.

C6 Bank is a digital bank that provides a suite of financial services through its mobile app and online platform, enabling users to manage their banking needs efficiently. The platform addresses the challenges of traditional banking by offering seamless access to services such as account management, payments, and financial planning, all from a single digital interface.

The platform lets users rent or purchase residential properties in Brazil’s major cities, handling transactions digitally with e‑signatures and removing the need for guarantors on rentals. It also provides financing assistance and access to real‑estate investment consortiums.

QuintoAndar is a technology platform that utilizes machine learning and artificial intelligence to streamline the real estate rental process, reducing the complexities of property transactions and tenant management. By offering a comprehensive suite of services, including automated credit assessments and digital lease agreements, the company enhances the efficiency and security of renting homes across over 20 Brazilian cities.

Rappi is a consumer tech company that provides an online delivery platform, utilizing a network of couriers and real-time tracking technology to facilitate efficient order fulfillment. The service addresses the need for quick and reliable delivery of goods, enhancing convenience for consumers in urban areas.

The startup offers a recruitment platform that streamlines the selection and administration processes through performance indicator analysis and monitoring. By optimizing these processes, clients can reduce time spent on recruitment and enhance their employer brand, ultimately attracting the right talent more efficiently.

Com provides a unified trading platform that gives traders direct, low‑latency access to major global exchanges across equities, futures, FX, and commodities, bypassing regional and regulatory restrictions. The system streams real‑time market data and offers advanced charting, algorithmic order types, and built‑in risk controls within a single dashboard for managing diversified portfolios.

Ualá is a digital banking application that enables users to manage their finances through features such as a remunerated account, personal loans, and investment options in various financial instruments. The platform addresses the need for accessible financial services by allowing users to perform transactions, pay bills, and invest directly from their mobile devices without hidden fees.

Wellhub is a corporate wellness platform that consolidates access to fitness, mindfulness, nutrition, and sleep services into a single subscription, reducing costs by up to 50% compared to individual memberships. The platform enhances employee engagement and productivity while lowering healthcare expenses, evidenced by a 35% reduction in annual healthcare costs and a 43% improvement in employee retention.

Creditas operates a fully digital platform that offers collateral‑backed personal loans—using vehicles or real estate—and payroll‑deductible credit for salaried workers, delivering rates as low as 1.09 % per month and terms up to 240 months. The platform also aggregates insurance policies from multiple carriers, provides real‑time multibank mortgage simulations, and supplies a zero‑cost employee‑benefits suite that can be integrated via open APIs for corporate partners.

Contabilizei is a financial back-office platform that provides online business formation, tax filing, and accounting services specifically designed for small and medium-sized businesses (SMBs). By automating compliance and financial management tasks, it enables entrepreneurs to efficiently manage their accounting needs while minimizing costs associated with traditional accounting services.

Volanty is a digital marketplace for pre-owned cars that facilitates secure transactions by providing comprehensive vehicle history reports and financing options through partnerships with major banks. The platform addresses the challenges of fraud and documentation management in the used car market, ensuring a transparent and efficient buying experience for consumers.

Flash provides a centralized platform that integrates employee benefits management, expense tracking, and HR functionalities through a MasterCard and a mobile application. This solution addresses inefficiencies in managing multiple systems, enhancing productivity and employee satisfaction for over 30,000 companies in Brazil.

Caju offers a platform that centralizes the management of employee benefits, expenses, and rewards through a single Visa card, allowing companies to customize and automate their benefits administration. This solution addresses the complexity of managing multiple benefit providers and enhances employee satisfaction by providing flexible, easily accessible options tailored to individual needs.

will bank is a digital banking platform that offers streamlined online account management and transaction processing through secure, cloud-based technology. It provides users with easy access to financial services, addressing the inefficiencies and limitations of traditional banking systems.

This food technology company utilizes AI algorithms to create plant-based meat and dairy alternatives from ingredients like pineapple, coconut, and chickpeas, replicating the taste and texture of animal products. Their offerings provide a sustainable source of fiber, calcium, and protein, addressing the demand for healthier and environmentally friendly food options.

Pravaler is a digital platform that offers student financing solutions, allowing users to reduce their monthly tuition payments through a straightforward online application process. By partnering with over 500 educational institutions across Brazil, Pravaler provides accessible financial support for students pursuing higher education without the need for extensive documentation or credit history checks.

Provides data science, machine learning, and artificial intelligence consulting to help organizations in Colombia and LATAM leverage data for improved decision-making, operational efficiency, and cost reduction. Specializes in developing predictive models, optimizing processes, and implementing AI strategies tailored to industries such as healthcare, finance, agriculture, and retail.

Laços Saúde offers specialized home healthcare services, utilizing multidisciplinary teams and technology to deliver personalized care plans for individuals with chronic conditions. The company focuses on enhancing patient independence and well-being through continuous, integrated support within the home environment.

RecargaPay is a payments superapp that integrates credit and debit card processing, instant payment methods like Pix, and Open Finance to facilitate seamless financial transactions for over 7 million users in Brazil. The platform provides essential services such as bill payments, mobile top-ups, and loans, catering to both banked and unbanked populations while enhancing accessibility and affordability in mobile payments.

Loft is a residential real estate marketplace that connects buyers and sellers through a network of partner real estate agencies, streamlining the home buying and selling process. The platform offers solutions such as rental guarantees and a digital financing system, addressing the complexities and inefficiencies often encountered in real estate transactions.

The startup offers human resources software that manages payroll, contracts, and settlements with electronic signatures, while providing performance reports and talent management tools. This solution enables organizations to efficiently handle salary payments, employee reviews, and recruitment processes, improving overall workforce management.

This startup operates an online school offering webinars and video lessons in creative and digital arts, including design, marketing, and programming. By providing hybrid degree programs, it enables students to acquire practical skills and deepen their expertise in a rapidly evolving job market.

Nomad is a fintech platform that offers a digital bank account and investment services in U.S. dollars for Brazilian users, enabling seamless international transactions and access to the American financial market. The platform addresses the challenges of currency conversion and high fees associated with overseas banking by providing competitive exchange rates and zero-commission investment options.

This platform provides a dynamic marketplace for trading virtual cosmetic items in competitive shooter games like Counter-Strike 2. It offers detailed item valuation based on rarity and wear conditions, alongside market analysis tools to help players make informed decisions and securely acquire unique digital assets.

Alice provides primary care-driven health insurance that connects employees to a network of over 4,500 qualified specialists and 1,000 hospitals across Brazil, enabling remote consultations that resolve 70% of health complaints without in-person visits. The platform offers predictable cost management with the lowest market adjustment rates, helping businesses reduce healthcare expenses while improving employee health outcomes.

Unico provides a secure identity verification platform that utilizes advanced biometric technology and data integration to ensure accurate identity authentication for digital transactions. This solution addresses the challenges of identity fraud and inefficient onboarding processes, enabling businesses to enhance customer trust and streamline operations.

The startup offers a mobile banking platform that enables users to conduct digital payments, manage savings, and access essential financial services directly from their smartphones. By providing a user-friendly interface for secure transactions, the platform addresses the need for convenient and efficient banking solutions in a digital-first economy.

Dr Consulta operates a network of multi‑specialty clinics that combine primary care, specialist consultations and on‑site diagnostics in a single location. Patients book same‑day appointments through a mobile app or web portal, receive care coordinated through an integrated electronic medical record, and pay transparent flat‑rate fees that are compatible with insurers and corporate health plans. The model reduces wait times, administrative overhead and out‑of‑pocket cost variability for urban individuals, families, employers and insurers.

dLocal provides a unified payment platform that enables businesses to accept and disburse local payment methods across Africa, Asia, and Latin America, facilitating cross-border transactions in multiple currencies. This solution addresses the complexities of entering high-growth markets by streamlining payment processes and enhancing conversion rates for billions of consumers.

Husky provides a delivery management software that optimizes routes and operations for motoboy services, enabling businesses to reduce costs and improve delivery efficiency. The platform allows retailers and restaurants to ensure timely deliveries, enhancing customer satisfaction by facilitating product arrival within two hours.

The startup operates a recruitment platform that utilizes data-driven algorithms to enhance the matching process between companies and technology professionals. By streamlining candidate engagement and optimizing hiring workflows, the platform reduces time-to-hire and improves the quality of candidate selection for businesses.

Órigo Energia provides access to solar energy through a shared distributed generation model, allowing customers to benefit from renewable energy without the need for on-site solar panel installation. This approach addresses high electricity costs by enabling users to save on their energy bills while promoting sustainable energy consumption.

Comerc Energia provides a solar energy subscription service that lowers electricity bills without upfront costs or on-site installation. The company generates clean energy credits from its solar farms and applies them directly to subscriber accounts, simplifying access to renewable energy for homes and businesses.

idwall is an identity management platform that automates the verification of user identities through advanced biometric and document verification technologies. It addresses the challenges of fraud prevention and regulatory compliance, enabling businesses to streamline their onboarding processes and reduce operational risks.

SuperFrete is a logistics platform that enables e-commerce businesses to calculate and issue shipping labels with discounts of up to 80%, eliminating hidden fees and monthly charges. By integrating with various e-commerce platforms, it streamlines the shipping process and reduces logistics costs, enhancing operational efficiency for retailers across Brazil.

Karla provides a text editor that utilizes large language models (LLMs) to help journalists efficiently generate, customize, and publish articles by automating prompt crafting and integrating content directly into their workflow. This solution addresses the challenges of time-consuming writing tasks and enhances productivity by allowing journalists to focus on storytelling rather than manual editing processes.

Modo provides comprehensive digital payment solutions for businesses operating in Argentina. The platform integrates various payment methods, including credit cards, debit cards, and local transfer systems, to streamline online and in-person transactions. This service helps merchants increase sales conversion rates by offering a secure and localized checkout experience.

JOTA utilizes artificial intelligence and big data analytics to provide real-time insights and predictive analysis on government activities in Brazil. This platform addresses the need for transparent and accessible information, enabling users to make informed decisions based on current legislative and political developments.

Zubale provides modular software solutions for e-commerce operations, including fulfillment optimization and consumer engagement through WhatsApp. Their platform connects brands with freelancers to enhance productivity and efficiency in picking, packing, and delivery, addressing challenges in scaling e-commerce logistics.

Onze is a fintech specializing in digital private pension plans and financial health solutions for corporate employees. The platform offers flexible plans with tax benefits, aiming to attract and retain talent through comprehensive wealth-building tools. Services include periodic financial check-ups, individual consultations with specialists, and educational workshops.

Yalo is a conversational commerce platform that utilizes AI-driven virtual sellers to enhance customer engagement and streamline sales processes across messaging channels like WhatsApp. The platform enables businesses to create personalized buying experiences and optimize customer interactions, resulting in increased sales and improved customer relationships.

Hunty utilizes artificial intelligence to fully automate the recruitment process, including candidate screening, interviewing, and document management. This technology enables companies to efficiently identify and evaluate potential hires, significantly reducing time and resources spent on traditional hiring methods.

Voltz Motors manufactures electric motorcycles designed for urban mobility, utilizing advanced battery technology to provide efficient and eco-friendly transportation solutions. Their products address the need for sustainable commuting options in Brazil, reducing reliance on fossil fuels and minimizing urban congestion.

This startup produces renewable energy and animal nutrition products by converting grain residues into ethanol, renewable bioenergy, corn oil, and dried distillers grains. By utilizing a closed-loop system, the company reduces agricultural waste and supports a low-carbon future.

Propelo provides real-time engineering metrics through advanced data analytics to enhance software development team performance. By delivering actionable insights, the platform helps teams identify bottlenecks and optimize workflows, leading to improved productivity and project outcomes.

Kushki provides an integrated payments platform that enables businesses in Latin America to process transactions through various methods, including APIs, customizable payment forms, and secure payment links. The platform addresses the complexities and costs associated with digital transactions, enhancing payment acceptance rates while ensuring compliance with security standards.