Inter

Inter & Co operates a multi‑product financial platform model structured around a digital super app that aggregates banking, credit, investments, cross‑border transfers and e‑commerce. The holding company owns banking, brokerage, mortgage and payments/acquiring subsidiaries that deliver these services within one ecosystem. Value is created by using a single app and account relationship to concentrate customer financial activity, lower acquisition costs and enable cross‑selling of higher‑margin products (credit, investments, FX and merchant services). The embedded marketplace drives additional engagement and non‑interest revenue while integrating partner merchants into the ecosystem. The company also expands monetisation on the B2B side through a dedicated payment‑processing/acquiring arm targeting SMEs and corporate clients.

Inter & Co, Inc. is a Brazil-centred financial holding company that controls Banco Inter and related entities, operating a digital “super app” ecosystem combining retail and SME banking, consumer credit, investments, mortgages, cross‑border remittances, and an embedded e‑commerce marketplace. Through its subsidiaries it also offers US‑regulated brokerage services and merchant acquiring/payment processing for small and medium businesses.

The group generates revenue from net interest income on lending and cards, fees and commissions on payments, brokerage and merchant services, FX spreads on international transfers and dollar accounts, mortgage and other origination fees, as well as commissions and margins from its in‑app marketplace. Its customers are primarily retail consumers (including the Brazilian diaspora using US products) and SMEs/corporate clients using digital banking and merchant services within the same app‑based ecosystem.