Inter&Co

Inter&Co runs a multi-product fintech platform that acquires users through low-friction digital accounts and then expands revenue per customer via adjacent financial and commerce services. Value is created by concentrating banking, payments, investing, shopping and rewards in one interface, which increases user engagement and enables cross-sell across both consumer and SME segments.

Inter&Co is a Brazil-headquartered public fintech company operating a mobile-first financial ecosystem centred on its super app. Its products span consumer banking, payments, credit card management, investments, a cashback-enabled marketplace, loyalty features and business banking for SMEs. The company appears to monetise primarily through financial services economics such as lending-related income, card and payment fees, investment commissions and marketplace commissions.

Its customer base includes retail consumers using the app for everyday banking and shopping, as well as small and medium-sized businesses using digital business banking and related payment services. The acquisition of Granito indicates a deliberate expansion into SME payments, while the integrated marketplace and rewards layers are designed to increase engagement, transaction frequency and customer lifetime value.