Updated:
Celcoin
Celcoin operates full-stack financial infrastructure for 6,000+ Brazilian institutions, processing R$30B+ monthly across Banking, Credit, and Payments...
Celcoin
Celcoin is a pioneer in financial and banking technology infrastructure. If your company needs to settle bills, join open banking, have its own credit infrastructure, access the DDA, have recurring billing, offer top ups and much more, there is only one place for your company to innovate and take incredible experiences quickly. for your customers – Celcoin's banking and financial technology infrastructure is the right place. Celcoin, since 2016, allows other companies to connect to the financial system in a simple way and without bureaucracy, in the midst of a market that, until then, was difficult to access. With a unique multichannel strategy in its segment, Celcoin processes a volume of more than BRL 6 billion per month. In 2017, it received the titles of “Best Startup in Brazil” by the Swiss investor group Seedstars and “Best Fintech in the Country” by BBVA Open Talent. In 2019, it was accelerated by the Visa Acceleration Program and by ScaleUp (Endeavor), in addition to receiving a contribution of R$ 6 million from the main social impact investment fund, Vox Capital. It is the only fintech in Latin America and the Caribbean to receive the global award “The Inclusive Fintech 50” and was certified, also in 2019, as a Great Place to Work (GPTW) company. In 2020, it was accelerated by BoostLab (by BTG Pactual) and named for the third consecutive time in the "100 Startups to Watch" list by PEGN magazine.
General information
Firm type
Asset Manager
Year founded
—
AUM
Undisclosed
Location
Region
Latin America
Country
Brazil
City
São Paulo
Corporate office
São Paulo, Brazil
Sector focus
Frequently asked questions
Is Celcoin an investment fund or a technology company?
Celcoin is a technology company that builds and operates financial infrastructure, not an investment fund. It holds a Brazilian Central Bank license as a Payment Institution and acts as a direct participant in Pix, earning revenue by providing modular Banking, Credit, and Payments APIs to banks, fintechs, and enterprises. The firm does not raise external capital to deploy into portfolio companies.
How does Celcoin handle regulatory compliance for its clients?
Celcoin provides compliance as an embedded feature of its platform. Its infrastructure includes integrated KYC, AML, and regulatory reporting that runs on its own central-bank licenses. A client using Celcoin’s Banking or Payments modules can launch financial products under Celcoin’s license umbrella, reducing the time and cost of obtaining their own approvals from the Banco Central do Brasil.
What does Celcoin’s transaction volume tell us about its scale?
Celcoin reports processing over R$30 billion in monthly volume across more than 400 million transactions, serving over 6,000 institutional clients (per the firm’s website). These figures measure throughput on its payments and banking rails rather than assets under management, reflecting its role as an infrastructure utility for Brazil’s embedded-finance ecosystem.
Can a non-Brazilian entity use Celcoin’s infrastructure?
Celcoin’s licensing—as a Payment Institution and Direct Participant in Pix—is tied to the Brazilian national financial system. The company’s website and documentation are focused entirely on the local market, and it lists no international offices or cross-border services, suggesting that its infrastructure is designed for entities operating within Brazil’s regulatory perimeter.
Which financial rails does Celcoin provide access to?
Celcoin’s core rails include Pix (as a direct participant), Boleto-based payments, local bill payments, mobile top-ups, and white-label card issuance. Its banking module also supports Open Finance data sharing and settlement accounts. The company structures these as API products, with separate tracks for Banking, Credit, and Payments, each backed by its own regulatory wrapper.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
Need institutional-grade insight on asset managers?
Altss delivers:
Prefer a guided tour?
We’ll walk you through: