About us
Building the future on a foundation of trust
We are Open Co — Brazil's largest embedded credit platform. Our story is made of brands that challenged the market, data that reveals invisible patterns and technology that transforms the credit experience for millions of people.
R$ 5 B+
in originated credit
500K+
customers served
80M+
CPFs in our database
Our Journey
A story of brands that changed credit in Brazil
The Birth of Geru
Founded to revolutionize the personal credit experience in Brazil with simplicity, speed and transparency. Geru was a pioneer in unsecured online credit for individuals, breaking barriers that the major banks never dared to cross.
Geru
Online personal credit
Biz is Born
Created to empower entrepreneurs across Brazil toward prosperity and positive impact. Biz (BizCapital) became a reference in credit for small and medium enterprises, combining advanced data analysis with an entirely digital experience.
Biz (BizCapital)
Credit for SMEs
Rebel Enters the Scene
Founded with the purpose of challenging the market with fresh perspectives and innovative ideas. Rebel reimagined personal credit for the digital generation, with a fully customer-oriented experience and fairer rates.
Rebel
Digital personal credit
BoletoFlex and Embedded Credit
Focused on advancing digital payment innovations for the Brazilian consumer, BoletoFlex was the first concrete step toward embedded credit — taking credit directly to the point of purchase, within the ecosystem of large partners.
BoletoFlex
BNPL and point-of-sale credit
Open Co and the
Embedded Finance Revolution
Our Strategic Pivot to the Future of Credit
From 2023 onwards, Open Co directed all its expertise and technology toward a new strategic focus: Embedded Finance. Leveraging a decade of leadership and innovation in credit analysis in Brazil, we dedicated our business to a clear purpose: delivering fluid, intelligent credit solutions into the ecosystems of large companies — where and when their customers need them most.
This shift was not a fresh start, but rather the natural evolution of our journey. We consolidated our years of experience, a database of over 80 million CPFs and our advanced Artificial Intelligence models to build the country's most robust Credit-as-a-Service (CaaS) platform.
A decade of data
Over 80 million CPFs analyzed and a unique track record of credit behavior in Brazil.
Cutting-edge AI
Proprietary machine learning models trained on real credit data for more accurate and safer decisions.
CaaS Platform
The most complete Credit-as-a-Service infrastructure in the country, integrated via API in days into the ecosystem of any large company.
Our Mission
Reinvent to include and transform
We believe that fair and accessible credit transforms lives. Every company that embeds our solutions expands the purchasing power of their customers — and that is what drives us.
Leadership
The team leading the transformation
Sandro Reiss
CEO
Economist with an MBA from Georgetown. Over 25 years of experience in finance and operations. Founder of Geru and one of the pioneers of digital credit in Brazil.
Cristiano Rocha
CRO
Computer Engineer with a Master's in AI. Founder of AfferoLab and co-founder of BizCapital. A reference in risk models and artificial intelligence applied to credit.
Francisco Ferreira
CTO & CPO
Tech entrepreneur and co-founder of BizCapital. Leads product and technology at Open Co, building the country's most robust CaaS platform.
Ready to embed credit in your business?
Talk to our team and discover how Open Co can transform your platform.