Banco BV

BV operates a mixed financial-services and software-enabled infrastructure model. It uses owned digital channels to originate, service and deepen direct banking relationships with consumers and businesses, while also exposing regulated banking capabilities through APIs to partners that want embedded finance. Value is created through balance-sheet banking products, payments and servicing activity, plus partner integrations that expand distribution beyond BV’s own branded channels.

Banco BV S.A. is a Brazilian financial institution serving retail customers, corporate clients and platform partners. Its offering spans consumer digital banking, corporate internet banking, web self-service portals, contract workflows and embedded banking infrastructure. In addition to standard banking distribution through app and web channels, it operates API-based Banking as a Service and Open Finance capabilities for fintechs, enterprises and institutional partners.

The company generates revenue primarily from banking products and services, including lending, payments, fees and corporate banking activity, while its digital channels support account servicing and cross-sell. Its BaaS and partner-facing platforms extend the model into API and transaction-based infrastructure, allowing third parties to embed regulated financial services without becoming banks themselves. BV is active and backed by a joint-shareholding structure involving Banco do Brasil and Votorantim-related shareholders.