Blu365

BLU365 is a São Paulo-based company operating in credit recovery and debt collection in Brazil. It works as a B2B2C intermediary between creditor companies — banks, retailers, telecom operators, utilities, credit fintechs, securitization vehicles and FIDCs, insurers, payroll-deductible lenders and auto and real-estate lenders — and indebted consumers, who can look up outstanding debts by CPF, choose among discount and installment offers and settle them online without human contact. Consumer-facing pages describe a fully digital, 24-hour self-service process in which the company does not receive payments itself: boletos are issued by the creditor, and payment clearing and credit-bureau delisting are handled by the creditor within stated deadlines.

The company organizes its enterprise offering into two product families. BLU Tech is a collection-automation platform whose modules include BLU Engage (bots, negotiation portal and white-label journeys), BLU Campaign (multichannel outbound orchestration over SMS, e-mail, voice, WhatsApp and RCS), BLU Action (AI that recommends the timing, channel and cost of each contact attempt), BLU Connect (multi-platform connectivity with more than 25 native integrations) and BLU Vision (automated business intelligence). BLU Cash addresses non-performing loan portfolios through outright NPL acquisition for immediate liquidity and through profit-sharing arrangements in which BLU365 actively manages a transferred portfolio. Marketing material positions the combined offer as an ecosystem for collection technology and liquidity in Latin America, and cites use cases such as preventive collection schedules, self-negotiation platforms integrated with client CRM APIs, and plug-and-play portfolio management.

In a 2019 MIT Solve submission led by Alexandre Lara, the company described itself as a data-driven debt negotiation platform combining data science, CRM, digital channels and performance marketing, stating that it helped creditors improve returns by more than 15% and that it also offered debtors free educational and financial-organization content, including a blog. The same submission described a technology stack built on cloud and serverless components (Lambda, containers/ECS, API Gateway, message queues, MongoDB, MySQL/Aurora, Redis, ElasticSearch, Python, NodeJS, PHP) plus a big-data layer (Presto/Athena, Hadoop/Spark/EMR, Apache Nifi) feeding a data lake of close to one petabyte used to train AI and machine-learning models.

Founding story

TTR Data records the entity's year founded as 10 April 2015. Alexandre Lara appears as founder and is described on the website as CEO and co-founder, and he led the company's 2019 MIT Solve submission as team leader.

Business model

BLU365 sits between creditors and consumers: creditors contract its recovery capabilities while consumers negotiate free of charge on its platform. Enterprise revenue is associated with collection services and licensed automation technology (BLU Tech), while BLU Cash generates returns by acquiring non-performing receivables portfolios at a price it sets through data-driven pricing, or by managing creditor portfolios under profit-sharing arrangements. The company states it does not receive consumer payments in its own accounts; boletos are issued by the creditor, which reports settlements back to BLU365.

Fees and commissions from creditor clients for recovery services, technology subscriptions for the BLU Tech automation platform, and recovery upside from purchased NPL portfolios or profit-sharing mandates under BLU Cash. The 2019 MIT Solve submission described a plan for 2.6x revenue growth over the following 12 months and estimated the Brazilian addressable pool at more than USD 60 billion of past-due individual banking debt, equating to over USD 3 billion in potential revenue.

Traction

The 2019 MIT Solve submission reported more than 22 million consumers eligible to negotiate on the platform, around 1.5 million deals generated, a blog with roughly 1,500 daily views, and a self-assessed "growth" stage of development. Consumer-facing pages state the company has helped millions of people settle debts. Website case studies cite outcomes for clients including monthly credit recovery gains for a credit fintech, operational-effort reduction in payroll-lending collections, automated preventive collection in real-estate credit, recovery uplift for securitization vehicles and FIDCs, and up to 91% recovery in 12 months, plus 120% of investment recovered within two years on NPL acquisitions.

Latest developments

Current company pages present an AI-centric enterprise positioning under the tagline of a "new era of collection," with BLU Tech modules (Engage, Campaign, Action, Connect, Vision), more than 25 native integrations, omnichannel journeys including RCS, real-time dashboards, and champion-versus-challenger testing, alongside BLU Cash asset acquisition and profit sharing. A TTR Data entity profile references company mentions dated 18 February 2021 and 15 December 2024 and lists M&A and venture capital track-record entries as target, without disclosed values or counterparties.