Asaas is a financial platform for small and mid-sized businesses that combines technology, financial services, and automation to centralize core financial workflows in a single environment. The company is authorized as a Payment Institution (IP) by the Central Bank of Brazil and holds a Credit, Financing, and Investment Company license (SCFI), providing a proprietary regulatory structure that underpins operations and supports the progressive expansion of its financial services offering. Together, the IP and SCFI licenses enable Asaas to deliver a broad suite of services including collections, payments, receivables advance, and credit cards, while also expanding funding alternatives.
Built on this infrastructure, Asaas connects collections, payments, financial management, and liquidity solutions into one platform, increasing automation, control, and integration for SMB day-to-day operations. As we deepen customer relationships, we expand the range of financial needs that can be addressed within Asaas.
Receivables and collections management
Asaas automates the full receivables cycle, from invoice generation through settlement. Customers can collect via boleto, Pix, cards, payment links, and subscriptions, supported by automation tools to track and manage the collections process.
The platform also consolidates receivables and key financial flows into a single view, reducing manual work and improving visibility into financial operations.
Payments and financial management
Beyond collections, customers can centralize outgoing payments and core financial routines within Asaas. The digital account enables fund management, payments execution, and organization of key cash flows in one place.
The platform also provides management features, including NFS-e issuance and finance workflow automations, connecting receivables, payables, and other financial activities within the same flow.
Receivables anticipation and payment acceptance
Asaas enables businesses to unlock liquidity from their own financial flows and expand acceptance options.
Receivables anticipation provides early access to future sales proceeds. Asaas also offers the Asaas Mastercard card, strengthening platform usage as a day-to-day financial tool. In face-to-face payments, Asaas provides Asaas Tap, enabling contactless acceptance directly on a smartphone, and is expanding into POS.
Integrations and financial infrastructure
Asaas’ infrastructure allows its financial services to be embedded into customer and partner systems and workflows. Through APIs and integrations, customers and partners can connect management, collections, and payments systems, enabling higher levels of automation.
The Flapp Store extends this approach by connecting Asaas customers to complementary partner solutions, with API connectivity, single access, and integrated billing through the Asaas account to automate workflows across applications.
Ecosystem and automation
As customers consolidate more of their financial operations within Asaas, the platform expands the set of products and services available in the same environment.
The Flapp Store connects customers to partner solutions, while IAN uses artificial intelligence to simplify access to Asaas features via WhatsApp.
IAN enables customers to retrieve information and execute selected financial routines through a conversational interface, reducing friction and minimizing the need to navigate multiple modules.
Technology, security, and regulatory foundation
This offering is supported by a technology stack built for scale, security, and integration, with ongoing investment in information security, data protection, compliance, and engineering.
Asaas operates as a Central Bank authorized Payment Institution and holds an SCFI license, a regulatory foundation that supports the expansion of financial products and broadens funding options. The SCFI license, in particular, enables funding through instruments such as CDBs and RDBs and supports continued expansion in credit and adjacent financial services.