Monashees

Clara is a spending management platform focused on serving companies in Latin America. It offers an end-to-end solution that includes locally-issued corporate cards, bill payment services, financing options, and a software platform that streamlines corporate expense management. The platform is designed to simplify and automate financial processes, allowing businesses to gain real-time insights into spending and manage budgets more effectively. Clara is backed by a diverse group of global and regional investors, aiming to empower companies with greater financial agility and clarity. By enhancing the way company finances are managed, Clara contributes to increasing the economic competitiveness of the region.

Ualá is a financial technology company that offers a digital banking application aimed at democratizing access to financial services. The platform provides a comprehensive financial ecosystem, allowing users to manage payments, request loans, and invest in various financial products. Ualá's services include a prepaid Mastercard and savings accounts, which enhance financial inclusion by enabling users to make secure purchases and transfer money instantly through a traditional transactional payment network. The company's mission is to empower individuals by offering accessible financial solutions.

BHub is a leading financial back-office solution provider for small and medium enterprises (SMEs) in Latin America. The company offers an AI-based platform that allows entrepreneurs to fully outsource their finance and administrative tasks. BHub's platform automates workflows related to accounts payable and receivable, accounting, taxes, and payroll, significantly reducing the time, costs, and labor involved in these functions. By providing a range of subscription packages that encompass various services, including legal and human resources, BHub enables startups and SMEs to streamline their operations and focus on core business activities.

Facio is a financial technology company based in Brazil that provides salary-advance solutions to workers. It has developed a digital platform that integrates with employers' systems, allowing employees to access loans directly through their payroll. This service offers credit facilities without intermediary fees, with repayments deducted monthly from employees' salaries. By enabling businesses to offer secure liquidity options to their workforce, Facio aims to enhance financial accessibility for the working class in Brazil.

NG.CASH is a digital app designed to help Generation Z become financially independent. It allows users to manage their own money with solutions such as PIX (Brazil’s “instant-payment” method), prepaid credit cards, allowance management, and a virtual card. Structured as a financial hub, NG.CASH aims to accompany its clients throughout their lives and increase financial literacy in the region.

Fintoc is an API-based service that enables online businesses to accept instant payments directly from customers' bank accounts. Founded in March 2020 by Cristóbal Griffero and Lukas Zorich, the company is headquartered in Santiago, Chile. Fintoc's interface is designed to facilitate seamless integration with financial institutions, allowing users to receive payments and manage recurring charges from any bank account. The platform also provides tools for consumer payments, personal finance management, Know Your Customer (KYC) compliance, and credit granting, thereby simplifying the connection between banks and their customers.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Slope is a financial platform developer that provides a range of payment solutions for businesses. Its platform allows clients to manage various aspects of financial transactions, including loan processing, underwriting, debt collection, and payout management, once goods or services are delivered. By offering options such as credit card acceptance and invoice link generation, Slope enables businesses to facilitate installment payments at checkout. This approach not only helps improve cash flow and financial security for businesses but also reduces administrative burdens and enhances the overall customer experience. The platform is designed for easy integration with existing systems, making it a versatile solution for companies seeking to streamline their financial operations.

NG.CASH is a digital app designed to help Generation Z become financially independent. It allows users to manage their own money with solutions such as PIX (Brazil’s “instant-payment” method), prepaid credit cards, allowance management, and a virtual card. Structured as a financial hub, NG.CASH aims to accompany its clients throughout their lives and increase financial literacy in the region.

Clara is a spending management platform focused on serving companies in Latin America. It offers an end-to-end solution that includes locally-issued corporate cards, bill payment services, financing options, and a software platform that streamlines corporate expense management. The platform is designed to simplify and automate financial processes, allowing businesses to gain real-time insights into spending and manage budgets more effectively. Clara is backed by a diverse group of global and regional investors, aiming to empower companies with greater financial agility and clarity. By enhancing the way company finances are managed, Clara contributes to increasing the economic competitiveness of the region.

BHub is a leading financial back-office solution provider for small and medium enterprises (SMEs) in Latin America. The company offers an AI-based platform that allows entrepreneurs to fully outsource their finance and administrative tasks. BHub's platform automates workflows related to accounts payable and receivable, accounting, taxes, and payroll, significantly reducing the time, costs, and labor involved in these functions. By providing a range of subscription packages that encompass various services, including legal and human resources, BHub enables startups and SMEs to streamline their operations and focus on core business activities.

NG.CASH is a digital app designed to help Generation Z become financially independent. It allows users to manage their own money with solutions such as PIX (Brazil’s “instant-payment” method), prepaid credit cards, allowance management, and a virtual card. Structured as a financial hub, NG.CASH aims to accompany its clients throughout their lives and increase financial literacy in the region.

Slope is a financial platform developer that provides a range of payment solutions for businesses. Its platform allows clients to manage various aspects of financial transactions, including loan processing, underwriting, debt collection, and payout management, once goods or services are delivered. By offering options such as credit card acceptance and invoice link generation, Slope enables businesses to facilitate installment payments at checkout. This approach not only helps improve cash flow and financial security for businesses but also reduces administrative burdens and enhances the overall customer experience. The platform is designed for easy integration with existing systems, making it a versatile solution for companies seeking to streamline their financial operations.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

BHub is a leading financial back-office solution provider for small and medium enterprises (SMEs) in Latin America. The company offers an AI-based platform that allows entrepreneurs to fully outsource their finance and administrative tasks. BHub's platform automates workflows related to accounts payable and receivable, accounting, taxes, and payroll, significantly reducing the time, costs, and labor involved in these functions. By providing a range of subscription packages that encompass various services, including legal and human resources, BHub enables startups and SMEs to streamline their operations and focus on core business activities.

Clara is a spending management platform focused on serving companies in Latin America. It offers an end-to-end solution that includes locally-issued corporate cards, bill payment services, financing options, and a software platform that streamlines corporate expense management. The platform is designed to simplify and automate financial processes, allowing businesses to gain real-time insights into spending and manage budgets more effectively. Clara is backed by a diverse group of global and regional investors, aiming to empower companies with greater financial agility and clarity. By enhancing the way company finances are managed, Clara contributes to increasing the economic competitiveness of the region.

Founded in 2018, ZAK operates as a comprehensive management platform tailored for the restaurant industry in Latin America. The company focuses on digitization and financial empowerment, providing a cloud-based solution that integrates various operational aspects, including point-of-sale systems, order management, logistics, and payment processing. ZAK enables restaurants to engage directly with their customers, simplifying operations while minimizing fixed costs. With a presence in hundreds of eateries in São Paulo, ZAK distinguishes itself as the only provider in the food service sector offering a complete management platform alongside financial services, aimed at enhancing the financial success of restaurants in the digital era.

BHub is a leading financial back-office solution provider for small and medium enterprises (SMEs) in Latin America. The company offers an AI-based platform that allows entrepreneurs to fully outsource their finance and administrative tasks. BHub's platform automates workflows related to accounts payable and receivable, accounting, taxes, and payroll, significantly reducing the time, costs, and labor involved in these functions. By providing a range of subscription packages that encompass various services, including legal and human resources, BHub enables startups and SMEs to streamline their operations and focus on core business activities.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Ualá is a financial technology company that offers a digital banking application aimed at democratizing access to financial services. The platform provides a comprehensive financial ecosystem, allowing users to manage payments, request loans, and invest in various financial products. Ualá's services include a prepaid Mastercard and savings accounts, which enhance financial inclusion by enabling users to make secure purchases and transfer money instantly through a traditional transactional payment network. The company's mission is to empower individuals by offering accessible financial solutions.

Clara is a spending management platform focused on serving companies in Latin America. It offers an end-to-end solution that includes locally-issued corporate cards, bill payment services, financing options, and a software platform that streamlines corporate expense management. The platform is designed to simplify and automate financial processes, allowing businesses to gain real-time insights into spending and manage budgets more effectively. Clara is backed by a diverse group of global and regional investors, aiming to empower companies with greater financial agility and clarity. By enhancing the way company finances are managed, Clara contributes to increasing the economic competitiveness of the region.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Open Co thinks that creating trusting relationships with clients is more important than using cutting-edge technology to create ground-breaking credit solutions. Open Co was established in 2021 as the result of the merger of Geru and Rebel, two of Brazil's most cutting-edge fintech lenders. The company's goal is to permanently turn credit into a more equitable, adaptable, and accessible tool that improves Brazilians' financial situations.

Fintoc is an API-based service that enables online businesses to accept instant payments directly from customers' bank accounts. Founded in March 2020 by Cristóbal Griffero and Lukas Zorich, the company is headquartered in Santiago, Chile. Fintoc's interface is designed to facilitate seamless integration with financial institutions, allowing users to receive payments and manage recurring charges from any bank account. The platform also provides tools for consumer payments, personal finance management, Know Your Customer (KYC) compliance, and credit granting, thereby simplifying the connection between banks and their customers.

Facio is a financial technology company based in Brazil that provides salary-advance solutions to workers. It has developed a digital platform that integrates with employers' systems, allowing employees to access loans directly through their payroll. This service offers credit facilities without intermediary fees, with repayments deducted monthly from employees' salaries. By enabling businesses to offer secure liquidity options to their workforce, Facio aims to enhance financial accessibility for the working class in Brazil.

Neon is a Brazilian fintech company founded in 2016, offering a digital banking platform and bill payment services. With over 15 million customers and 1,600 employees, Neon provides a range of products including debit and credit cards without annual fees, personal loans, investments in CDB and CDI, cashback on debit transactions, and various payment methods. Notably, Neon For Life, an AI-driven platform, enables consumers to pay bills like rent and utilities on flexible terms, without traditional credit pitfalls. The company aims to provide accessible, abusive-fee-free financial services to Brazilian workers and micro-entrepreneurs, with a focus on simplicity and convenience.

BizCapital is a financial services provider that specializes in offering loans to small and micro businesses that lack access to traditional banking institutions. The company employs a digital evaluation system that quickly analyzes and ranks loan requests, allowing for rapid funding decisions. By leveraging technology, BizCapital streamlines the loan application process, enabling clients to secure the necessary funds to support their business operations efficiently through an online lending platform.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Facio is a financial technology company based in Brazil that provides salary-advance solutions to workers. It has developed a digital platform that integrates with employers' systems, allowing employees to access loans directly through their payroll. This service offers credit facilities without intermediary fees, with repayments deducted monthly from employees' salaries. By enabling businesses to offer secure liquidity options to their workforce, Facio aims to enhance financial accessibility for the working class in Brazil.

REBEL is a data, tech and analytics-driven online platform led by technology and finance entrepreneurs. Founded in 2016, REBEL offers its customers fast, easy and trust-worthy credit of up to 50,000 reais for up to 24 months at interest rates as low as 2.9% per month. In addition, REBEL offers consumers free access to its proprietary REBEL Score, a credit score designed to transparently explain an individual’s credit profile and to suggest actionable steps to improve financial health.

Ualá is a financial technology company that offers a digital banking application aimed at democratizing access to financial services. The platform provides a comprehensive financial ecosystem, allowing users to manage payments, request loans, and invest in various financial products. Ualá's services include a prepaid Mastercard and savings accounts, which enhance financial inclusion by enabling users to make secure purchases and transfer money instantly through a traditional transactional payment network. The company's mission is to empower individuals by offering accessible financial solutions.

Neon is a Brazilian fintech company founded in 2016, offering a digital banking platform and bill payment services. With over 15 million customers and 1,600 employees, Neon provides a range of products including debit and credit cards without annual fees, personal loans, investments in CDB and CDI, cashback on debit transactions, and various payment methods. Notably, Neon For Life, an AI-driven platform, enables consumers to pay bills like rent and utilities on flexible terms, without traditional credit pitfalls. The company aims to provide accessible, abusive-fee-free financial services to Brazilian workers and micro-entrepreneurs, with a focus on simplicity and convenience.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Founded in 2018, ZAK operates as a comprehensive management platform tailored for the restaurant industry in Latin America. The company focuses on digitization and financial empowerment, providing a cloud-based solution that integrates various operational aspects, including point-of-sale systems, order management, logistics, and payment processing. ZAK enables restaurants to engage directly with their customers, simplifying operations while minimizing fixed costs. With a presence in hundreds of eateries in São Paulo, ZAK distinguishes itself as the only provider in the food service sector offering a complete management platform alongside financial services, aimed at enhancing the financial success of restaurants in the digital era.

Ualá is a financial technology company that offers a digital banking application aimed at democratizing access to financial services. The platform provides a comprehensive financial ecosystem, allowing users to manage payments, request loans, and invest in various financial products. Ualá's services include a prepaid Mastercard and savings accounts, which enhance financial inclusion by enabling users to make secure purchases and transfer money instantly through a traditional transactional payment network. The company's mission is to empower individuals by offering accessible financial solutions.

BizCapital is a financial services provider that specializes in offering loans to small and micro businesses that lack access to traditional banking institutions. The company employs a digital evaluation system that quickly analyzes and ranks loan requests, allowing for rapid funding decisions. By leveraging technology, BizCapital streamlines the loan application process, enabling clients to secure the necessary funds to support their business operations efficiently through an online lending platform.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

REBEL is a data, tech and analytics-driven online platform led by technology and finance entrepreneurs. Founded in 2016, REBEL offers its customers fast, easy and trust-worthy credit of up to 50,000 reais for up to 24 months at interest rates as low as 2.9% per month. In addition, REBEL offers consumers free access to its proprietary REBEL Score, a credit score designed to transparently explain an individual’s credit profile and to suggest actionable steps to improve financial health.

Neon is a Brazilian fintech company founded in 2016, offering a digital banking platform and bill payment services. With over 15 million customers and 1,600 employees, Neon provides a range of products including debit and credit cards without annual fees, personal loans, investments in CDB and CDI, cashback on debit transactions, and various payment methods. Notably, Neon For Life, an AI-driven platform, enables consumers to pay bills like rent and utilities on flexible terms, without traditional credit pitfalls. The company aims to provide accessible, abusive-fee-free financial services to Brazilian workers and micro-entrepreneurs, with a focus on simplicity and convenience.

REBEL is a data, tech and analytics-driven online platform led by technology and finance entrepreneurs. Founded in 2016, REBEL offers its customers fast, easy and trust-worthy credit of up to 50,000 reais for up to 24 months at interest rates as low as 2.9% per month. In addition, REBEL offers consumers free access to its proprietary REBEL Score, a credit score designed to transparently explain an individual’s credit profile and to suggest actionable steps to improve financial health.

BizCapital is a financial services provider that specializes in offering loans to small and micro businesses that lack access to traditional banking institutions. The company employs a digital evaluation system that quickly analyzes and ranks loan requests, allowing for rapid funding decisions. By leveraging technology, BizCapital streamlines the loan application process, enabling clients to secure the necessary funds to support their business operations efficiently through an online lending platform.

Bidu is an online recommendation, comparison and marketplace portal for insurance and financial services. The company helped millions of consumers compare the prices and benefits of several types of insurance, including auto, travel, home, life, and health insurance, in addition to a variety of financial products, such as credit cards, financing options, and loans. Our mission is to help people make smart financial decisions throughout their lives by way of our technology and objective and content. Bidu was named Best of Insurance 2017, of the magazine Revista. It was founded in 2011 and is headquartered in Sao Paulo, Brazil.

Bidu is an online recommendation, comparison and marketplace portal for insurance and financial services. The company helped millions of consumers compare the prices and benefits of several types of insurance, including auto, travel, home, life, and health insurance, in addition to a variety of financial products, such as credit cards, financing options, and loans. Our mission is to help people make smart financial decisions throughout their lives by way of our technology and objective and content. Bidu was named Best of Insurance 2017, of the magazine Revista. It was founded in 2011 and is headquartered in Sao Paulo, Brazil.

Bidu is an online recommendation, comparison and marketplace portal for insurance and financial services. The company helped millions of consumers compare the prices and benefits of several types of insurance, including auto, travel, home, life, and health insurance, in addition to a variety of financial products, such as credit cards, financing options, and loans. Our mission is to help people make smart financial decisions throughout their lives by way of our technology and objective and content. Bidu was named Best of Insurance 2017, of the magazine Revista. It was founded in 2011 and is headquartered in Sao Paulo, Brazil.