Brazil Fintech Sector Report 2025 3rd Quarter

Through technology, fintechs have developed products that reach lower-income populations with limited access to credit and investment opportunities. As a result, fintechs have broadened credit availability and helped drive down the average lending rates traditionally charged by banks. By June 2025, a total of 342 fintechs were operating under the supervision of Brazil's Central Bank and formally integrated into the National Financial System (SFN). These institutions must meet regulatory requirements related to transaction volume, capital, equity, and other financial indicators. Credit fintechs accounted for a significant portion of the sector, totalling 153 by June 2025, an increase of 19 compared with the previous year. This group included 141 direct credit companies (SCDs) and 12 peer-to-peer lending platforms (SEPs). Meanwhile, the number of payment processing fintechs rose to 189, marking a substantial annual increase of 48.

This report provides a complete and detailed analysis of the "Fintech" sector for Brazil. EMIS Insights presents in-depth business intelligence in a standard format across countries and regions, providing a balanced mix between analysis and data.

What this report allows you to do:

• Understand the key elements at play in the "Fintech" sector in Brazil
• Crystallise the forces both driving and restraining this sector in Brazil
• Ascertain Brazil’s position in the global sector
• Build a complete perspective on sector trade, investment and employment
• Understand the competitive landscape and who the major players are
• View M&A activity and major deals
• Gain an understanding of the regulatory environment for the sector in Brazil.
• Build a clear picture of trends, output and consumption for specific sub-sectors