DFY
Embedded banking that ended fraud and opened a new revenue line.
Built to grow. Not built to hold.
DFY scaled fast into 100+ branches across Brazil's Northeast. But the model that fueled that growth couldn't sustain it: every branch ran its own bank account, controlled by its own manager. Capital was wired in monthly and reconciled by spreadsheet at month-end. With dozens of accounts to watch, real oversight was impossible, and fraud was draining millions every month.
One account. Total control.
The client came to us with the problem, not a blueprint, because what they needed had never been built in Brazil. After deep discovery, we architected a system on embedded banking (BaaS): a single real master account, with every branch's clients and balances tracked individually as on-screen ledger balances. Money only moves with the master admin's final approval.
One master account, a ledger per branch
A single real bank account. Each branch sees only its own clients and its own graphical balance, with no scattered accounts to police.
Nothing moves without approval
Every transfer needs the master admin's final sign-off, so fraud went straight to zero.
Decision-grade BI
Internal client scoring, portfolio and receivables control, and financial dashboards that turn raw data into sharper calls.
Built on embedded banking
A compliant BaaS core that today moves millions of reais a day, every day.
Fraud gone. A new business unlocked.
Fraud dropped to zero. The BI layers sharpened every decision, letting DFY run a leaner team and grow the bottom line. Then we opened a white-label arm: DFY now earns recurring revenue from companies that used to be its competitors in microcredit.
They went deep into the business, understood it better than we expected, and built something no one had built here. It ended the fraud, and it became a product we now sell to our own market.
Facing a problem no one has solved yet?
That's exactly where we do our best work. Tell us what's slowing you down.