Underserved market MaisTODOS serves a large segment focused on lower-to-middle income families and small businesses, presenting a sales opportunity to expand financial services such as credit, digital accounts, cashback programs, and health-related financial products tailored to affordability and value.

Cashback and health Leverage the existing Cashback program and AmorSaúde health clinics to cross-sell affordable health and wellness financing, membership benefits, and discounted healthcare services to deepen wallet share among cardholders and partner networks.

Ecosystem connect Position as a partner for ecosystem integration around the Todos Card, offering embedded finance solutions, payment, credit, and digital account features that complement the current card benefits and expand usage scenarios for customers.

Tech enablement Utilize the current tech stack (Optimizely, Looker, Mixpanel, Braze, Firebase, AWS) to run targeted experiments, data-driven campaigns, and personalized product offers for segments such as high-potential SMBs and financially underserved families.

Scale opportunities Target expansion through small- to mid-market businesses and family-oriented consumer segments with modular financial services, exploring partnerships, white-label solutions, and API-driven integrations to accelerate revenue growth and market share.