UY3 connects fintechs to capital markets
UY3 transforms Brazil's lending landscape by connecting fintechs to capital markets, handling origination, servicing, and securitization. As a curated FinTech of My Choice, they empower lenders to scale effectively in a complex market.
The first time I heard about UY3, my brain did that dangerous founder thing. I immediately wanted to start a fintech in Brazil.
Fintech of my choice: UY3
Building lending in Brazil is not like spinning up a credit product in a neat sandbox. Regulation is real, the infrastructure is fragmented, and the distance between where we can originate loans and where we can fund and scale them is huge.
UY3 sits exactly in that gap. They help fintechs connect to capital markets by taking care of origination, servicing, and securitization. In plain terms, they are the team and the tech that turns a lender’s loan book into something fundable and compliant.
In 2025, they processed R$14B of credit through their infrastructure. That number matters because it shows they are not a slide deck. They are already a set of rails that real lenders are running on.
They also raised R$200M from funds managed by Vinci Compass to expand the platform. Capital like that usually goes to companies that can keep the plumbing working while volumes grow, not just to those with a good UI.
The business model is platform fees plus revenue share with lenders. The moat is a banking licence combined with tech that automates FIDC issuance and compliance, which is where many teams get stuck when they try to “just” scale lending in Brazil.
When I learned this, I went through three startup ideas in one evening. Relaunch a bank for immigrants, but for Brazilians. Then, a refinancing startup for existing loans, because the first bank already did the hard work of risk assessment. Then I calmed down and realized the real story is UY3 itself: in boom markets, the quiet winners are often the companies building the pipes.
I would love to see more platforms like this in other complex credit markets, because they let founders focus on users and unit economics instead of fighting paperwork and settlement rails.
If you were launching a lending product in Brazil today, would you build your own capital markets stack or plug into a platform like UY3?
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