PartnershipLATAM

Bradesco's Embedded Finance Platform Reaches 100 Corporate Partners

Banco Bradesco reached 100 partner companies through its Bradesco as a Service platform in just over one year of operation, the bank disclosed on Nov 12, 2026. Third-party businesses use the platform to offer white-label digital accounts, credit, insurance and consortium products under their own branding while relying on Bradesco's infrastructure. Customers can access these products directly within partner platforms without opening a checking account at the bank.

Credit modalities include working capital, receivables discounting, personal loans and purchase financing. Partners can fund loans directly through Bradesco or use its banking infrastructure to formalize transactions through Bank Credit Notes using their own capital. Integration runs through APIs or pre-built desktop and mobile interfaces built by Aarin, a wholly owned Bradesco technology subsidiary.

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  • Major incumbent banks in LATAM are proving they can scale embedded-finance platforms rapidly, challenging fintech-only BaaS models
  • Breadth of products beyond payments—including insurance and consortium lending—sets a high bar for BaaS comprehensiveness in emerging markets
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