Finthy Brazil - Personal Finance Dashboard

Brazil’s Financial Revolution Created a New Problem

Brazil’s financial system has transformed faster than any country in Latin America. PIX processed over 42 billion transactions in 2024. Nubank became the largest digital bank in the world outside Asia. Inter, C6, and PagBank gave Brazilians more banking options than ever. Investment platforms like XP, Rico, Clear, and BTG Pactual Digital democratized access to the Bolsa (B3), Tesouro Direto, and international funds.

The result: financial fragmentation at a scale that didn’t exist five years ago. Your salary lands at Itaú, you pay bills with PIX from Nubank, your credit card is at C6, your investments are at XP, you have Tesouro Direto bonds through the government platform, and maybe a dollar account at Nomad or Avenue. Each one has its own app. None of them show you the complete picture.

Finthy solves this by pulling every account — banks, brokerages, government bonds, and foreign accounts — into one dashboard.

Open Finance Brasil: World Leader, Still Evolving

Brazil is the global leader in Open Finance. The Banco Central do Brasil mandated data sharing across 800+ institutions starting in 2021, making it the largest Open Finance ecosystem on the planet. Phase 4 expanded to include investments, insurance, and pension data.

What this means for Finthy:

• Today: Connect your Brazilian banks via file upload (OFX, CSV, or PDF extratos). Finthy processes statements from Itaú, Bradesco, Banco do Brasil, Santander, Caixa, Nubank, Inter, C6, BTG, and 25+ more institutions with AI-powered categorization
• Coming soon: Direct integration with Open Finance Brasil APIs — connect once and your accounts sync automatically, including PIX transactions, boletos, TEDs, investments, and Tesouro Direto

Finthy is building for seamless Open Finance integration while delivering value today through intelligent file processing.

PIX, Boletos, and the Brazilian Payment Maze

Brazilian payments are uniquely complex. In a single month you might use PIX for instant transfers, boletos for rent and utilities, débito automático for subscriptions, cartão de crédito for purchases (often parcelado in 3x, 6x, or 12x), and TEDs for larger transfers. Each payment method appears differently across bank statements.

Finthy’s AI understands this:

• PIX transactions — identified and categorized by recipient, not just as generic “PIX” entries
• Boletos — utility bills, condomínio, IPTU, and other boleto payments properly categorized
• Parcelas — installment purchases tracked to show total committed spending, not just this month’s payment
• Débito automático — recurring charges flagged as subscriptions
• TEDs and DOCs — transfers between your own accounts excluded from spending totals

This level of understanding is what separates Finthy from generic budgeting apps that treat Brazilian financial data as an afterthought.

Tesouro Direto, B3, and Investment Tracking

Brazil’s investment landscape has exploded. Tesouro Direto offers government bonds (Selic, IPCA+, Prefixado) with as little as R$30. The B3 has seen retail investor accounts grow from 800,000 to over 5 million since 2019. And international investment through BDRs, ETFs like IVVB11, or platforms like Avenue and Nomad has become mainstream.

Finthy consolidates all of it:

• Tesouro Direto — bond positions and yields alongside your bank accounts
• B3 investments — stocks, FIIs (fundos imobiliários), ETFs, and BDRs imported via statement upload
• XP, Rico, Clear, BTG — brokerage statements processed automatically
• International holdings — US stocks, crypto, or foreign accounts shown with automatic BRL conversion
• Total net worth — one number, all currencies, live rates, including everything from your Nubank checking to your Tesouro IPCA+ 2035

Understanding how all these pieces fit together is essential for building long-term wealth.

Built for Brazilians with International Lives

Tech Workers Earning in USD

Brazil’s tech industry increasingly operates in dollars. If you work for a US company remotely, receive contracts in USD, or freelance on international platforms, you need to see dollar income and real expenses together. Finthy handles multi-currency budgeting natively — set a BRL budget for daily life and track your USD income separately, with live câmbio rates.

Brazilians Living Abroad

Over 4 million Brazilians live outside the country — in the US, Portugal, Japan, UK, and elsewhere. Most maintain accounts at Itaú, Nubank, or Banco do Brasil back home. Finthy connects your Brazilian accounts alongside wherever you live now, so you can manage money in two countries without switching between apps in different time zones.

Investors Diversifying Internationally

With the Selic rate fluctuating and the real volatile against the dollar, many Brazilians are diversifying into US ETFs, crypto, and international funds. Finthy shows your Brazilian and international portfolios side by side, so you can see your real asset allocation — not just what each individual platform tells you.

Budgeting That Understands Brazil

Finthy’s categorization is built for Brazilian merchants and spending patterns:

• Supermercados — Pão de Açúcar, Extra, Carrefour, Assaí, and regional chains categorized automatically
• Farmácias — Drogasil, Droga Raia, Pacheco, and Panvel tracked separately
• Transporte — Uber, 99, Metro/CPTM, parking apps, and combustível at postos
• Delivery — iFood, Rappi, and Zé Delivery identified distinctly from restaurant dining
• Serviços — Enel, Sabesp, Vivo, Claro, TIM, and condomínio grouped as utilities
• Assinaturas — Netflix, Spotify, Amazon Prime, Globoplay, and gym memberships tracked

Our zero-based budgeting guide shows how to give every real a purpose — especially valuable when managing parcelas, boletos, and multiple investment contributions simultaneously.

Security Aligned with Brazilian Regulation

The Banco Central and LGPD (Lei Geral de Proteção de Dados) set strict standards for financial data protection. Finthy meets and exceeds them:

• No credential storage — we never store your CPF, banking passwords, or tokens. File uploads are processed and source files are not retained
• 256-bit AES encryption — all data encrypted in transit (TLS 1.3) and at rest, aligned with Banco Central security requirements
• LGPD compliant — your financial data belongs to you. It is never sold, shared with advertisers, or used for credit scoring. Finthy’s revenue comes from subscriptions only
• Open Finance ready — when API integration launches, connections will flow through Banco Central-regulated channels, audited and certified, not through screen scraping or third-party credential storage