Brazil's only turnkey credit solution
The complete platform for launching your own credit card in 30 days
Infrastructure built with best-in-class in the market
Credit with intelligence: complete solutions for your operation
Validated infrastructure with over 100,000 customers. Launch your card without having to be a financial institution.
Security, compliance and scale for your operation
BIN Sponsorship Visa
Accounts (escrow, collateral and settlement)
Issuing physical and virtual cards
Transactional anti-fraud system
Dispute and chargeback management
Integrated KYC and PLD/FT processes
Payment methods (Pix and boleto)
Management of multiple cards per customer
Modular technology for tailor-made loans
Risk-based customer acquisition (score)
Credit engine (GUARD): Risk analysis and initial limit
Limit management (CLIMB): Continuous adjustment logic
Collections and credit recovery
Compulsory installment payments
Dynamic and customizable billing
Digital onboarding with integrated anti-fraud
Your card, your brand, our technology
Bin Sponsorship Visa
100% white label application with your visual identity
Engagement engine and customer journey (CX)
Full end-customer support
Issuing, tracking and personalizing cards
Additional financial products (e.g. Pix Crédito)
GUARD: Brazil's most accurate credit engine
The market leader, GUARD combines low default with high engagement.
Credit analysis with continuous intelligence
Faster, safer decisions in line with the reality of the Brazilian market
Alternative data integration beyond traditional bureaus
Proprietary models with continuous learning (gradient boosting machine)
Automatic variable engineering
Tests in production based on real B2B customer data
Results that impact the operation
Credit efficiency translated into engagement, activation and lower risk
Optimized credit line, focusing on activation and usage
Reducing defaults via advanced machine learning that accurately identifies risk
One of the highest engagement rates in Brazil
novücard: credit technology with proven results
novücard is the laboratory we have created to develop our operation with consistent results in acquisition, engagement and retention.
The numbers prove the efficiency of our credit engine and a journey designed with data intelligence and machine learning.
Low default rates
30%
below the market
Our own models, updated with real data, reduce risks and protect profitability.
High conversion
92%
of customers with 1st purchase within 7 days
Experience oriented from the start and continuous evolution for more efficient adherence.
Minimal risk of fraud
0,01%
against 0.43% of the market (M5)
Integrated anti-fraud with intelligent validations and real-time monitoring.
Engaged and loyal customers
75%
average credit line utilization
High customer base engagement with very low churn rate
Pix Crédito
High margin
product in great demand
Reduces dependence on traditional card networks, bringing more autonomy and profitability.
Brazil's favorite card
4,7
as a note in the app stores
With an NPS of 83 and a score of 8.8 on Reclame Aqui, we deliver an experience that conquers, engages and generates trust.
Market comparison
We offer the only turnkey credit platform on the market. Simple integration of regulatory infrastructure, credit technology and a real innovation lab.
Resources
alt.bank
Other companies
White Label prepaid card
BIN sponsorship
Some
White Label postpaid card
White Label App
Proprietary credit engine
Some
Laboratory with real clients
Turnkey solution
Pix Crédito
alt.bank in the press
Talk to our experts
Schedule a chat and find out how alt.bank can boost your company's results.