FinTech of the Day

Zippi – Fast-track Pix integration

Dmitry Prostov

19 Oct 2025 — 1 min read

For millions of Brazilian micro‑entrepreneurs, access to credit is still broken. Zippi fixes that by offering flexible working‑capital loans and weekly repayment plans through a mobile app.

The company recently secured an 85 million BRL ($15.9M) Credit Rights Investment Fund (FIDC) led by Banco Itaú and Verde Asset Management.

Zippi serves over 100,000 active clients and managed $15M in assets in 2024, with a goal to reach $30M by 2025. It will use the new capital to double credit availability and invest in AI‑driven risk management and personalized underwriting.

Founded by André Bernardes, Bruno Lucas, and Ludmila Pontremolez in 2019, Zippi monetizes through loan interest and interchange fees on its payments platform. Backers include Tiger Global and Y Combinator.

As Brazil's Pix instant‑payment system transforms consumer behavior, Zippi is building the SME side of the story.

Will Latin America's small businesses finally get the credit they deserve?

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