Beyond credit scores:
AI looks at your real life
Velotax, based in São Paulo, automates income tax filing and offers AI-driven personal and payroll-deducted loans.
The company raised $23M Series A from QED Investors, Valor Capital, and Picus Capital on 27 Oct 2025.
Velotax's app, downloaded over 3 million times, predicts refunds, advances cash, and evaluates creditworthiness by analyzing hundreds of variables beyond the traditional credit score.
Co-founder Victor Savioli says their AI matches loans to a customer's real payment capacity, making credit more inclusive. The funding will be used to expand credit offerings and invest in product development.
Previous investors include QED and Valor from earlier rounds, signaling strong conviction. As Brazil's fintech scene heats up, Velotax shows how tax data can unlock responsible lending.
Do you think tax refunds should automatically convert into credit offers?
#fintechoftheday #Brazil #AIcredit #AIcreditscore
Eduardo Esmanhotto
Foto: Startups
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