Who are Z1's investors?

Z1's investors include 3cubed Ventures, Clocktower Ventures, Gaingels, Homebrew, Kaszek Ventures, Mantis Capital, Parade Ventures, Rebel Fund and 15 more.

How much funding has Z1 raised?

Z1 has disclosed $10.3M raised across 1 of its 2 known rounds.

Where is Z1 headquartered?

Z1 is headquartered in São Paulo, BR.

Z1

acquired by NG.CASHYC W21

São Paulo, BR · Founded 2019 · 80 employees · 27 known investors

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Acquired by NG.Cash February 2025 · terms undisclosed · source ↗

Z1 offers a mobile banking application and linked prepaid card for teenagers and young adults in Latin America, enabling account holders to manage spending, receive income from jobs and side work, and build financial skills.

Fintech Payments Consumer Lending NeobankBrazilLatin AmericaFully Remote

Founders & leadership· Y Combinator alumni (W21)

Z1 was founded in 2019 by Joao Pedro Thompson, Thiago Achatz, Mateus Craveiro, and Sophie Secaf.

Joao Pedro Thompson Co-Founder / CEOJoão Pedro Thompson co-founded Vereda, an education startup serving the Brazilian K-12 market, and previously held roles in investment banking at Itau BBA and as head of Latin American treasury at Kraft Heinz.

Thiago Achatz Co-founder & COOHe previously served as part of the founding team at Rappi and Grow, where he contributed to digital wallet development.

Mateus Craveiro Co-founder and Chief Architect2024–2024He previously worked as a principal software engineer at Pagar.me, a payments company acquired by StoneCo.

Sophie Secaf Co-Founder & CMO2020–2025Sophie Secaf previously worked as a political researcher in São Paulo and led YONE, a branding company in New York. She co-founded YAGA festival, which focuses on international cultural exchange and queer perspectives, and has expertise in socio-cultural research and consumer insights.

Mayara GonçalvesPeople and Culture Manager

Karen MaximoTech Recruiter

Investors · 27

3cubed Ventureslisted by 3cubed VenturesSan Francisco

Clocktower Ventureslisted by Clocktower VenturesSanta Monica · $100K – $20M

How we know: Clocktower Ventures's portfolio page · the VCSheet dataset · open dataset · 5k.vc investor directory · Y Combinator's founder network · Not right? Tell us

Gaingelslisted by GaingelsNew York · $200K – $500K

How we know: heyfuturenexus.com · Y Combinator's founder network · gaingels.com · Not right? Tell us

Homebrewlisted by HomebrewBurlingame · $100K – $500K

How we know: funding news · techcrunch.com · the VCSheet dataset · Y Combinator's founder network · homebrew.co · open dataset · 5k.vc investor directory · Not right? Tell us

Kaszek Ventureslisted by Kaszek VenturesMontevideo

How we know: Kaszek Ventures's portfolio page · heyfuturenexus.com · open dataset · 5k.vc investor directory · Y Combinator's founder network · Not right? Tell us

Mantis Capitallisted by Mantis CapitalSanta Monica · $100K – $1M

How we know: Y Combinator's founder network · Not right? Tell us

Parade Ventureslisted by Parade VenturesSan Francisco · $1M

How we know: foley.com · the VCSheet dataset · Y Combinator's founder network · Not right? Tell us

Rebel Fundlisted by Rebel FundSan Francisco · $100K – $5M

How we know: Y Combinator's founder network · rebelfund.vc · Not right? Tell us

Top Corner Capitallisted by Top Corner CapitalBurlingame

Y Combinatorlisted by Y CombinatorSan Francisco · $500K

How we know: the Y Combinator directory · foley.com · open dataset · 5k.vc investor directory · Not right? Tell us

Costanoa VenturesreportedSan Francisco · $500K – $8M

How we know: Y Combinator's founder network · Not right? Tell us

Flight VenturesreportedSan Francisco

How we know: Y Combinator's founder network · Not right? Tell us

Goodwater CapitalreportedBurlingame · $5M – $50M

How we know: Y Combinator's founder network · Not right? Tell us

Harvard Management CompanyreportedAllston

How we know: Y Combinator's founder network · Not right? Tell us

Kindred VenturesreportedSan Francisco · $250K – $2M

How we know: funding news · heyfuturenexus.com · Y Combinator's founder network · Not right? Tell us

MAYA CapitalreportedLondon

How we know: techcrunch.com · Y Combinator's founder network · Not right? Tell us

MAYA Capital VenturesreportedSan Paulo, Sao Paulo · $100K – $10M

How we know: a partner's Signal profile · Y Combinator's founder network · Not right? Tell us

Newtopia VCreportedBuenos Aires · $100K – $1M

How we know: heyfuturenexus.com · Y Combinator's founder network · Not right? Tell us

Soma CapitalreportedSacramento · $100K – $300K

How we know: Y Combinator's founder network · Not right? Tell us

SquareOnereportedBerlin · $378K – $3.8M

How we know: heyfuturenexus.com · Not right? Tell us

SquareOne CapitalreportedMiami

How we know: Y Combinator's founder network · Not right? Tell us

The ChainsmokersreportedNew York

How we know: techcrunch.com · Not right? Tell us

The FundreportedAustin · $50K – $250K

How we know: heyfuturenexus.com · Not right? Tell us

Also in the syndicate · 4

ClocktowerCostanoaHomebrew FundleadKindred Venturelead

Funding

SEC filings, press & company announcements

$10.3M disclosed across 1 of 2 rounds · 2021–2023

$10.3MraisedApr 2023 · 3 sources
Homebrew (lead), Homebrew Fund (lead), Kaszek Ventures (lead), Kindred Venture (lead), Kindred Ventures (lead), Parade Ventures (lead), Clocktower, Costanoa, Gaingels, MAYA Capital, Newtopia, SquareOne, The Fund, Y Combinator
Source ↗
Undisclosed amountSeries ANov 2021
Kaszek (lead), Clocktower, Homebrew, MAYA Capital, The Chainsmokers
Source ↗

Source: company announcements and press reports — follow each round's link for the claim.

Related companies · 4

LendUpLendUp provides financial content and education about personal lending products, helping borrowers understand loan options, costs, and alternatives to borrowing in the consumer finance sector.

FinosuFinosu provides a cloud-based loan servicing platform that manages borrower communications (voice, text, email, chat), payment processing, and compliance workflows for consumer lenders. The platform serves originators of personal installment loans, lines of credit, BNPL, credit cards, and lease-to-own products.

YenmoYenmo provides affordable lending products designed to promote healthy financial behavior and customer satisfaction. The company targets borrowers in India seeking alternatives to high-interest-rate loans.

Pantore PayPantore Pay offers working capital credit to Brazilian businesses, enabling them to pay suppliers and manage cash flow with weekly repayment terms. The platform provides flexible credit lines that grow based on payment history, accessible through a mobile app.

Companies working in the same space as Z1.

Legal entities · 1

corporate structure

Z1 Limited

In the news

Kaszek leads Z1’s latest round as it develops its bank app aimed at LatAm teens – TechCrunchtechcrunch.com · Nov 2021

Frequently asked questions

What does Z1 do?: Z1 offers a mobile banking application and linked prepaid card for teenagers and young adults in Latin America, enabling account holders to manage spending, receive income from jobs and side work, and build financial skills.
Who founded Z1?: Z1 was founded by Joao Pedro Thompson, Thiago Achatz, Mateus Craveiro, Sophie Secaf in 2019.
Who are Z1's investors?: Z1's investors include 3cubed Ventures, Clocktower Ventures, Gaingels, Homebrew, Kaszek Ventures, Mantis Capital, Parade Ventures, Rebel Fund and 15 more.
How much funding has Z1 raised?: Z1 has disclosed $10.3M raised across 1 of its 2 known rounds.
Where is Z1 headquartered?: Z1 is headquartered in São Paulo, BR.