LINA

Positioned at the nexus of Brazil's regulatory-driven financial transformation, LINA emerges as a critical infrastructure provider for the Open Finance and Open Insurance ecosystems. Established in 2020, the company was founded by seasoned executives from Brazil's financial markets, including Alan Mareines, Marcio Castro, Murilo Rabusky, and Marcos Guirro. The founding team's collective experience at institutions like B3, Itaú, XP Inc., and Safra revealed a persistent challenge: the cumbersome and often inefficient process of integrating external technology, which inspired them to build a more direct and modern infrastructure solution.

LINA operates on a B2B model, delivering a proprietary, API-driven platform as a service to a client base that includes banks, insurance companies, credit unions, and fintechs. Revenue is generated by enabling these institutions to securely share and consume financial and insurance data, ensuring compliance with the evolving mandates of the Central Bank of Brazil. The firm's core offering is a technological toolkit designed to accelerate its clients' entry into the Open Finance landscape, promising regulatory adherence in as little as five weeks. Strategic partnerships with market-integral players like RTM, a major financial market hub owned by Anbima and B3, amplify LINA's service robustness and market reach.

The company's product suite is engineered to address the primary functions of the open ecosystem. It includes a "Data Pull" solution for consuming and analyzing shared data through customizable dashboards, a "Data Push" platform for securely transmitting data, and a comprehensive consent management module to handle consumer permissions in line with regulatory standards. A significant milestone was achieved when LINA received its license to operate as a Payment Initiation Transaction Provider (ITP), allowing it and its clients to initiate PIX payments directly within their platforms, thereby streamlining the checkout process and creating new business use cases. This strategic expansion into payments, alongside its core data infrastructure for finance and insurance, places LINA as a key enabler for institutions like SulAmérica, HDI Seguros, Banco BRP, and iugu to develop new products and enhance credit analysis, customer onboarding, and risk management.

Keywords: Open Finance Brazil, Open Insurance Brazil, infratech, fintech infrastructure, API platform, payment initiation, ITP, PIX payments, regulatory technology, regtech, financial data sharing, banking as a service, B2B fintech, consent management, data aggregation, RTM partnership, MSW Capital, Open Banking solutions, financial APIs, insurance technology