Agibank

Agibank combines a digital banking platform with a physical network of more than 1,000 Smart Hubs across Brazil. The hybrid structure is designed to combine digital efficiency with in-person service for customers who still require physical touchpoints for trust or credit origination.

The firm states its core products include payroll loans for public-sector retirees and pensioners, private payroll loans for CLT workers, personal credit, and checking accounts. The payroll-lending focus provides collateralized exposure with lower loss rates than unsecured consumer finance.

As of disclosures on its corporate site, Agibank reports over six million customers and more than 5,000 employees. The 2024 fiscal year produced R$870 million in net income measured under Brazilian GAAP.

Agibank’s publicly available materials describe it as a bank serving the Brazilian population. No international operations or lending outside Brazil are disclosed on the firm's website.

The firm positions itself between large incumbent banks and digital-only neobanks, targeting a demographic it describes as underserved by incumbents and not effectively reached by digital-only models. The 1,000 Smart Hubs are the structural asset backing that positioning.