Neon
7 known investors
Neon is a Brazilian digital bank offering fixed-income investment products, including certificates of deposit (CDBs) with daily or scheduled liquidity, protected by the FGC deposit guarantee. It also lets customers convert money invested in its CDBs into credit card limits through its Viracrédito feature.
Also known as Neon Pagamentos S.A.
Investors · 7
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Funding
SEC filings, press & company announcements$13M disclosed across 1 round · 2026
- $13MSeries AJul 2026 · 3 sources
Andreessen Horowitz, KRAFTON, Renegade Partners
Source ↗
Source: company announcements and press reports — follow each round's link for the claim.
Company profile
researched Aug 2026Neon is a Brazilian fintech that operates an app-based digital account ("conta digital") aimed at individual consumers. The company states it is a payment institution authorized by Brazil's central bank (Banco Central do Brasil) rather than a bank, and explicitly avoids the label "banco Neon". Core products include a Visa credit card with no annual fee and adjustable limits, a debit card, a virtual card for online purchases, international card acceptance, CDB fixed-income deposits from R$1 with returns advertised at up to 113% of the CDI and coverage by Brazil's deposit guarantee fund (FGC) up to R$250,000 per taxpayer ID, personal loans, payroll-deducted (consignado) loans, FGTS birthday-withdrawal advances, Pix instant transfers, bill payment, mobile top-ups, subscription management and a cashback program on card purchases.
A distinguishing feature is Viracrédito, which converts money held in a Neon CDB into credit-card limit, positioned as a route to credit for applicants who have been declined elsewhere or previously had negative credit records; customers continue to earn the CDB yield while using the limit and pay the card statement normally. Other features include "Limite Elástico", Pix funded by the credit card limit (transfers between R$10 and R$500 with fees, in installments), a card-bill insurance product ("Fatura Protegida"), the "Lente Neon" camera-based Pix flow, Apple Pay and Google Pay support, statement installment plans, and "Saldo Inteligente" automatic transaction categorization. The company also runs debt renegotiation offers, participating in the government's Novo Desenrola Brasil program (advertised at up to 90% discount with up to 35 days to pay) and its own "Negocia Neon" program, in some cases allowing use of FGTS balances. Services previously provided under the MEI Fácil brand for micro-entrepreneurs have been migrated into a MEI area within the Neon app.
Business model
Neon distributes retail financial products through its mobile app: a no-annual-fee credit card, CDB deposits, personal and payroll-deducted loans, FGTS advances, card-based Pix transfers with fees, and an optional card-bill insurance product. Card usage, credit and lending products, and transaction fees such as those on Pix via credit are the customer-facing charges disclosed on its site.
Site materials indicate revenue sources tied to credit and lending (credit card, personal loans, consignado loans, FGTS advances, statement installment plans), fees on certain transactions such as Pix funded by the credit card limit, and the insurance product Fatura Protegida; the credit card itself is offered without an annual fee.
Traction
The company's site states more than 32 million clients. Its iOS app is listed with a 4.7 rating from about 357,000 ratings and ranked No. 20 in the Finance category at the time of capture.
Latest developments
Recent items promoted on the company's own channels include participation in the Novo Desenrola Brasil debt renegotiation program, the Negocia Neon renegotiation offering, availability of Apple Pay for the Neon virtual card, the Lente Neon camera-based Pix feature, a promotional CDB offer at 150% of the CDI with redemption after two months, and the migration of MEI Fácil services into the Neon app.
▸Full profile — market position, technology, go-to-market, geography
Market position
Positions itself as a full-service digital account competing with savings accounts and traditional card issuers, emphasizing central bank authorization, CDB yields above the poupança savings rate, and international investors among its backers.
The Viracrédito mechanism, which turns FGC-guaranteed CDB balances into credit card limit while the balance continues to earn interest, is presented as the main differentiator, alongside a no-annual-fee card, cashback on all card purchases above R$1, in-app limit adjustment and a low R$1 minimum for CDB deposits.
Technology
A mobile-first account with biometric and selfie authentication, tokens for in-app security validations, virtual cards for online purchases, contactless payments, Apple Pay and Google Pay integration, camera-initiated Pix payments (Lente Neon), and automatic categorization of transactions.
Go-to-market
Direct-to-consumer digital acquisition: online signup via the website followed by app onboarding and identity confirmation, with credit analysis taking up to five calendar days and a repeat application allowed after 30 days if declined. The app is distributed on the Apple App Store and support is offered 24 hours via chat, email and social channels.
Brazilian retail consumers, including those with limited or impaired credit histories who can obtain a card limit via Viracrédito, plus micro-entrepreneurs (MEI) served through the MEI area migrated from MEI Fácil.
Geography
Brazil; cards carry the Visa network and are described as usable internationally, including for international purchases.
Compiled by commissioned research from 8 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 4
launches, deals, and filingsNeon offers renegotiation under the Novo Desenrola Brasil program, advertised with discounts of up to 90% and up to 35 days to pay, including optional use of FGTS balances.
Neon announced that customers can add the Neon virtual card to Apple Pay for mobile payments.
Neon introduced Lente Neon, which lets users point the phone camera to make a Pix payment funded by account balance or credit card limit.
Services previously offered under the MEI Fácil brand were integrated into a MEI area within the Neon app, alongside Neon's retail products.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
In the news
▸Research sources · 8
primary sources listed
- Neonneon.com.br · web
8 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Neon do?
- Brazilian fintech offering an app-based digital account with a no-fee credit card, CDB savings, loans and Pix.
- Who are Neon's investors?
- Neon's investors include Across Capital Partners, MONASHEES, Propel Venture Partners, Yellow Ventures, Andreessen Horowitz, Krafton, Renegade Partners.
- How much funding has Neon raised?
- Neon has disclosed $13M raised across 1 round.