Pics N.V.

Pics N.V. is a Netherlands-incorporated public limited liability company operating as one of Brazil's largest digital banks, specializing in transaction and payment processing services within the diversified financials sector. Founded in 2012 and headquartered in São Paulo, it powers a technology-enabled super app ecosystem that integrates financial, communication, and consumer services for over 66 million customers, with 42 million active users as of Q3 2025. Key offerings include digital wallets, instant payments via QR codes, credit cards, loans, Buy Now Pay Later options, investments, and insurance, alongside peer-to-peer transfers and merchant partnerships with major acquirers like GetNet and Stone. Pics N.V. emphasizes frictionless, mobile-first experiences to simplify money management, shopping, and social interactions, boasting strong financials such as R$7.3 billion in revenue and financial income alongside R$313.8 million net profit in the first nine months of 2025, with consumer deposits exceeding R$27 billion. As an open platform, it connects users, merchants, and partners, driving innovation in Brazil's fintech landscape and transforming everyday financial and commercial engagements.