S3 BANK

Founded in 2018, S3 BANK is a Brazilian fintech company based in Sao Paulo that provides a comprehensive Banking-as-a-Service (BaaS) platform. The company specializes in supply chain banking, payments, and integrated financial solutions with a focus on the B2B2C (Business-to-Business-to-Consumer) market. S3 BANK enables other companies, such as fintechs, ERP providers, and healthtechs, to offer a range of financial products and services under their own brand.

The platform is cloud-native, modular, and structured in microservices, allowing clients to select and customize the services that best suit their needs. Core offerings include white-label digital accounts, PIX transactions, domestic and international card issuance via Mastercard, and various payment solutions like batch transfers and bill payments. S3 BANK manages the back-office operations, including regulatory compliance, treasury, and accounting, which allows its clients to focus on their core business without dealing with complex banking regulations. The company's technology is proprietary and independent of legacy systems, facilitating continuous updates and personalization.

In January 2022, S3 BANK received a seed investment of an undisclosed amount from Banco BV, which acquired a minority stake with the potential for future control. This strategic partnership aims to scale the business and enhance the BaaS offerings for corporate clients by leveraging Banco BV's national commercial presence. The company's business model is designed to provide a 'one-stop-shop' solution for the entire BaaS journey, supporting corporations in implementing digital accounts, payment methods, and other transactional services for their own customers and suppliers.

Keywords: Banking-as-a-Service, BaaS, fintech, B2B2C financial solutions, digital banking platform, white-label banking, embedded finance, payment solutions, PIX payments, supply chain finance, corporate banking, API integration, financial infrastructure, open banking, digital accounts