QI Tech

QI Tech provides technology and regulated infrastructure for Banking-as-a-Service (BaaS), lending, payments and fund management. It is a regulated fintech platform and a financial infrastructure provider.

Services

The listed services are BaaS, lending infrastructure, payments and risk solutions. Pix is named as a payment channel, which places the platform in the Brazilian market. A fintech can use the platform to offer accounts, credit products and payments with the regulatory perimeter handled by the provider.

Clients

The published target segments are fintech companies, businesses and enterprises, and software platforms. This is a description of the audience and not a promise that every applicant will be accepted.

Reading the role

The company is a technology and regulated platform provider, not a deposit-taking bank. Its products should not be treated as bank deposits, and the BINs used in programmes should not be attributed to it automatically. The arrangement behind each product should be confirmed in the contract.

Before choosing

Applicants should ask which regulated entity provides each service, what the onboarding and compliance requirements are and how pricing is set for lending and payment flows.