Robbin, a B2B fintech founded in São Paulo, has secured $108 million in capital to modernize credit and payments between large industries and their retail networks. The funding will fuel the company’s mission to digitize the B2B supply chain through artificial intelligence and Brazil’s instant payment system, Pix.
The deal comprises two simultaneous milestones: an $8 million seed round and the structuring of a $100 million Credit Rights Investment Fund (FIDC). The seed round was co-led by Canary, Atlântico, and Caravela, with participation from AB Seed, Norte Ventures, and international funds Clocktower and Tomorrow Capital. Meanwhile, the $100 million FIDC was structured with Augme, an asset manager associated with XP Investimentos.
The $8 million equity injection will be directed toward growing Robbin’s AI-native payment and credit platform. This includes deploying intelligent agents designed to optimize industrial financial workflows. “We recently launched Robbinson, an AI assistant for the industry’s sales force that approves credit in real-time via WhatsApp,” said Leonardo Moura, CEO of Robbin.
The $100 million FIDC will be exclusively used for the platform’s credit operations, financing purchases made by retailers from partner industries. The company expects to fully allocate this volume by the end of 2027.
A White-Label Solution Powered by Pix and AI
Robbin provides a white-label, co-branded financial solution that allows non-financial enterprises to offer tailored credit, extended terms, and benefits to their B2B clients under their own brand.
A major technical differentiator of Robbin’s infrastructure is its departure from traditional credit card networks like Visa and Mastercard. Instead, transactions are settled through Pix, which offers real-time liquidation, enhanced security, and significantly lower operational costs. Retailers using the virtual card also gain access to a loyalty program, allowing them to exchange points for discounts on new purchases or Livelo rewards.
The influx of capital reinforces Robbin’s thesis that artificial intelligence and the Brazilian Central Bank’s regulatory agenda—which aims to accelerate the digitization of the B2B payments market through open finance—can unlock credit and foster growth in the real economy. For manufacturers, offering branded credit expands retailers’ purchasing power, increases purchase frequency, and strengthens brand loyalty.
“The end-consumer has experienced a massive revolution in payments, with credit cards linked to benefits, Buy Now, Pay Later (BNPL) options, and seamless experiences,” Moura explained. “However, the link between industry and retail has been stuck in time. Poorly calibrated credit limits, rigid short-term deadlines, and a 1980s payment experience have limited market growth. That is the gap we are addressing.”
Market Traction and Founding Team
Targeting industries with annual revenues exceeding R$ 500 million (approximately $100 million USD), Robbin already operates with major Brazilian brands. Its portfolio includes Cantu, Chilli Beans, Baterias Moura, Malwee, Brinox, and Juntos Somos Mais, a digital marketplace backed by Gerdau, Votorantim, and Tigre. The solution is currently available to a potential base of over 300,000 small and medium-sized enterprises linked to these partners.
Robbin was founded by three partners combining extensive expertise in banking, venture capital, and technology. CEO Leonardo Moura brings 15 years of experience from Itaú BBA and as a partner at XP, having worked in London and New York. COO Henrique Meyer has two decades of market experience, with stints at Itaú BBA, Citi, and HSBC. CTO Tomás Correa brings a strong entrepreneurial track record as the founder of OpenCo, a startup backed by SoftBank following the merger of Geru and Rebel.
