koin

At Koin, we are revolutionizing the financial landscape by expanding access to innovative payment solutions for both merchants and end-customers in an easy, simple, and democratic way. Through groundbreaking technology, we believe in products and services that generate results and improve lives, anywhere, anytime. Our team is intensely focused on the continuous enhancement of our solutions, valuing, recognizing, and driving the development and growth of our creators. Koin specializes in financial solutions for businesses and consumers within the fintech sector, offering installment payment options through Pix and Boleto, as well as anti-fraud services, without the need for opening a new bank account. For businesses, Koin provides the option to offer parcelled boleto and parcelled PIX payments, alongside a robust anti-fraud solution designed to increase sales, streamline payment processes, and enhance security. Individuals can benefit from the virtual credit card offered by Koin, which allows for easy installment payment options without the need for a physical credit card. This card can be used to make purchases and split payments into up to 12 installments, all without utilizing the credit limit on a traditional credit card, featuring real-time credit approval and no annual fees.

The Koin system leverages machine learning and other artificial intelligence technologies to generate an intelligent financial anti-fraud solution. This ensures merchants have dedicated early warning detection and monitoring for a range of issues including account takeovers, payment fraud, and chargeback disputes. This technological prowess allows for ad hoc rules management tailored to each merchant, meaning users can enjoy greater flexibility in how they automate processes, run manual analyses, and view fraud reporting. In 2020, Koin was acquired by Decolar, the largest online travel agency in Latin America, a move that has further fueled our journey. With thousands of approved transactions, Koin offers security and unique expertise for professional growth, and we are confident that our journey is long, strong, and our people are willing to build even higher flights. We are committed to improving people's lives and transforming the shopping experience by democratizing access to consumption.