For decades, Brazil has had a huge credit problem. It is Latin America’s largest country and has one of the highest interest rate spreads in the world.
To give you an idea of just how bad it is, reports indicated that in 2019, credit card interest rates neared a staggering 300% in Brazil.
This is one of the reasons you’re seeing so many fintechs emerge in Latin America. Interest rates this high make it very difficult for the economically challenged to ever not be economically challenged. In another example of how startups in the region are working to boost inclusion as much as innovation, Open Co, a São Paulo-based consumer credit company, announced today that it has raised $115 million in a round led by SoftBank Latin America Fund.
Existing backers Raiz Investimentos, IFC and LTS also put money in the round.
Open Co was created earlier this year by the merger of Geru, an eight-year-old online lender, and Rebel, a four-year-old startup using AI and bank account data to underwrite risk and assess clients’ financial health. Its aim is to “finance consumption for Brazilians in a healthy way.” It plans to do this in a few ways, but for starters, by not charging 300% interest rates.
“Access to good quality credit at the point and time of need is the single most important obstacle for Brazilians to achieve financial wellness, increase consumption and create wealth,” said Sandro Reiss, Open Co’s co-founder. “It’s a huge market that is still controlled by incumbents charging extremely high interest rates, which makes it difficult for people to pay back their loans. It is a vicious cycle; delinquencies are high and interest rates even higher. Our mission is to change that.”
Open Co provides clients with access to credit and access to tools that are designed to improve their financial lives, not make them worse. The process is 100% digital, with no bureaucracy involved; it claims to be fast, and the rates are lower than those of traditional banks.
Clearly, the need is there. An estimated 52% of the population use credit to pay for basic expenses, creating an unsecured consumer credit market of about $200 billion, of which about 70% is in revolving credit. As a result, 62 million Brazilians have overdue accounts or missed payments.
Open Co wants to give Brazilian people more options, and so far, the people seem to be welcoming those options with well, open arms.
There is a lot of buzz around “buy now, pay later” nowadays, but the truth is — its execs point out — that it has always existed in Brazil, a country where people usually buy things in installments with their credit cards.
Looking ahead, the Open Co team is refreshingly transparent regarding financials. To get even more specific, the team is projecting to reach nearly $196 million in revenues in 2022, a “3x” growth compared to 2021. It also aims to allow its customers to access over $616 million in financing in 2022.
Execs say that its business is profitable, but it is still heavily investing in growth and building better products and technology, which causes its cash requirements to be above the cash produced by operations.
Combining the results of its two predecessors, Open Co says it has helped consumers save more than $500 million in interest expenses over the years and has been increasingly establishing partnerships with merchants, retailers and service providers to be closer to its clients’ point of need when requesting credit. Overall, it has provided nearly $405 million in credit to more than 200,000 people so far.
“The consumer lending market in Brazil is massive,” Reiss told TechCrunch. “However, it is mispriced and dysfunctional for the consumers, with Brazilians being forced into paying the second-highest interest rate spread in the world.”
A few factors are working in Open Co’s favor, its team believes.
“We have a huge market with complacent incumbents, a population that adopts technologies early on and a supportive regulatory agenda. Last year we saw the creation of Pix, an instant payments system that allows people to transfer money in a few seconds, for free; and this year the implementation of open banking, which will reduce information asymmetry between incumbents and fintechs, started as well,” said Open Co co-founder Rafael Pereira.
The company plans to use its new capital toward its expansion plans, with “significant investments” in technology and product development. Naturally, it will also be doing some hiring. The company currently has 230 employees, more than 50% of whom work in tech and product.
“When it comes to plans for the future, we can say that we want to give credit to people who have overdue accounts,” Pereira added. “But we don’t want to do the traditional way, with high interest rates that make it difficult for people to pay. Our mission is to break this vicious cycle.”
Felipe Fujiwara, investment leader of SoftBank Latin America Fund, said that SoftBank is most excited about Open Co’s “large” opportunity to improve the quality of Brazilians’ financial lives through credit.
“Difficulty in accessing credit is one of the biggest social issues in Brazil. More than half of Brazilians are obliged to ask for credit to pay their basic expenses, and the result of the combination of demand and high interest results in 62 million people being denied credit,” Fujiwara wrote via email.
The company, he added, has a track record in underwriting personal loans and in raising debt funding to provide better credit alternatives to consumers. At the same time, it offers merchants “the ability to meaningfully increase traffic, order value, conversion and GMV.”
“Besides that, it was the first fintech to use artificial intelligence to analyze customers, helping to solve the country’s credit problem, which has one of the highest spreads in the world,” Fujiwara added.
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If youвЂ™re facing a drug test at short notice then you could be in real trouble. Thankfully though, there are some strategies you can use to pass a urine test or a mouth swab drug test in that short space of time.
But can you genuinely learn how to pass a drug test in just 24 hours? Is it even possible, and if it is, how risky is it?
In this complete guide, youвЂ™re going to learn everything about the best ways to pass a drug test with very little notice. We will cover the strategies for passing a urine drug test, an oral drug test, and a hair drug test.
By the end of this guide, you will know exactly how drug metabolites work, what the strategies are, which products to use to pass a drug test and how to use them.
–>Click Here To Purchase The Best Detox Products Online <–
What Defines вЂњShort NoticeвЂќ For Drug Test?
If youвЂ™re here because youвЂ™re facing a drug test tomorrow, literally within the next 24 hours, then the bad news is that you are really going to struggle. YouвЂ™ll need to grab something locally and thereвЂ™s not going to be a lot available, even if you live in a big city.
In this guide I will cover a couple of the best emergency strategies for you though, just in case, you can get access to specialist products right now. But if you think you could face a drug test with just 24 hours' notice, and you have even three or four days before you think that could happen, then thereвЂ™s plenty you can do.
How Long Do Drug Metabolites Stay In Your Body?
Unfortunately, how long drug metabolites stay in the body is an open-ended question. ThereвЂ™s no real proper answer.
You can search online and youвЂ™ll see some ideal maximum times. Things like this for urine drug testing:
Weed stay in your urine for up to 72 hours
Cocaine up to 72 hours
Amphetamines up to 48 hours
Benzodiazepines up to 96 hours
Methadone up to 5 days
The problem with all of those is they are averages. They are also averages for light users.
All of these factors will increase the time dramatically:
Taking high doses taking more regular doses (than a couple of times per week)
Age and fitness
Diet and exercise
On top of that, some drugs stay in the body much longer. Cannabis and benzodiazepines are classic examples of this:
Slow-release benzos, especially if you are taking in every day, can be found in the body for up to 6 weeks.
Weed metabolites can cling to fat cells in the body and have been found to still be in the body up to 12 weeks after the last joint.
If itвЂ™s been less than a week since you last took drugs, and youвЂ™re taking them more than once per week in the weeks leading up to that, then if you face a drug test at short notice, especially 24 hours' notice, then you will almost certainly test positive.
Strategy #1 Fake Urine: Easiest Way To Pass A Urine Drug Test
The absolute best way to pass a drug test in 24 hours is synthetic urine. It can be prepared in a short space of time, so you can submit your sample with virtually no notice at all. However, this only works if itвЂ™s an unsupervised drug test. ThatвЂ™s where you are allowed to go behind a screen, or even into a different room in order to submit your sample.
If itвЂ™s a supervised/observed drug test then you cannot use fake urine. DonвЂ™t try and use one of those stupid fake penis devices, they wonвЂ™t fool anyone if they are standing there looking at you, even indirectly.
However, if itвЂ™s unsupervised, then the best fake urine will pass almost any level of scrutiny.
Some people think that every urine sample undergoes some massive digital analysis. ThatвЂ™s not actually the case. This is what happens:
First, the temperature is tested within two minutes of the sample is done. It has to be between 90В°F and 100В°F to be legal.
Shortly after, validity checks will be done. This is a dipstick test usually. ItвЂ™s then tested against panels that react to different things. It will look for adulteration, the presence of nitrates, and the presence of other things which are common for adulterated samples.
If it passes the validity checks then it is simply tested against a drug panel kit. Not a digital analysis, just a standard panel kit like you can buy from a shop (although itвЂ™s more high-quality).
So note here that only if they have huge suspicion about your sample would they send it off for an expensive gas chromatography-mass spectrometry analysis.вЂЇ ThatвЂ™s when all fake urine will fall down because it does a full analysis of the composition of the urine, and it will spot that some things which should be in urine arenвЂ™t there.
But generally, for low-level drug testing, good quality fake urine is going to pass 99% of the time. Studies analyzing historically submitted samples have shown that this is the case.
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1. DonвЂ™t Buy These Fake Urine Products
There are a lot of fake urine products out there to choose from. However, a lot of them are awful.
The reason is that fake urine has to have the following construction as a minimum:
Balanced for ph
Balanced for specific gravity
Contains other common chemicals
Looks and froths like urine
The problem is that most fake urine out there doesnвЂ™t even tick those basic boxes. Some of it is just fetish urine, some of it is poor quality, and some of it contains detectable elements.
The detectable element, the common footprint, that many drug testing labs look for now is biocide-based preservatives. Simply by looking for those they can rule out many fake samples. This was established about four years ago when a lot of brands started failing.
These are the fake urine brands I would recommend you stay away from because of everything IвЂ™ve just talked about:
2. The Top Three Synthetic Urine Brands
LetвЂ™s now talk about the top three urine products that will pass scrutiny. These are genuinely complex and high-quality. They have long track records of passing drug tests.
Sub Solution Powdered Urine Kit
The best synthetic urine kit is Sub Solution. ItвЂ™s the best combination of price, complexity, and control. It costs $85. Sub Solution is a powder that you mix up with filtered water. This adds an extra step, but itвЂ™s only a small one.
ThereвЂ™s no other preparation with Sub Solution because it uses heat activator powder, meaning no heatpad to deal with.
All you have to do is tap in about one-third of the heat activator powder into the sample just before you go to submit it, shake it gently until it dissolves, and the temperature will rise. Keep adding powder until it gets within the correct temperature range.
ThatвЂ™s it with Sub Solution. ItвЂ™s beautifully complex, containing 14 things found in urine, itвЂ™s perfectly balanced, and it looks and froths like urine. Click Here to buy Sub Solution from the manufacturer.
Quick Luck Premixed Synthetic Urine
This is the most expensive fake urine on the market. ItвЂ™s actually the big brother of Sub Solution. It costs $100 and is made by the same company, Clear Choice.
The only real difference is that it contains a heatpad in the kit, and itвЂ™s premixed. So it gives you an extra heating control mechanism, and you donвЂ™t need to mix it with filtered water.
So, Quick Luck is better for on-the-job drug testing. If you got a drug test at really short notice, itвЂ™s perfect because using the heat activator powder, in less than two minutes, you can have a viable sample.
Again, itвЂ™s beautifully balanced, looks and froths like urine, and the heat activator powder is the game changer that gives you complete control over the temperature sample.
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Quick Fix 6.3 Synthetic Urine
The third fake urine brand of choice is Quick Fix. ItвЂ™s the budget option, but still decent. The small size costs just $30 and Quick Fix вЂњplusвЂќ costs just $10 more. DonвЂ™t be fooled by the plus bit, itвЂ™s exactly the same fake urine, you just get more of it.
Quick Fix is premixed. ItвЂ™s also good enough to contain the basics of urea, uric acid, and creatinine. ItвЂ™s balanced, and it sort of looks like urine. For the price, itвЂ™s good.
The downside is it uses heatpad. ItвЂ™s a good one, but it does mean that the temperature itвЂ™s kicking out is going to be slightly variable. ItвЂ™s essential that you check the temperature just before you go to submit your sample and alter it if necessary (hot water in a flask is ideal for this).
But, if you donвЂ™t care that much about the drug test, or thereвЂ™s nothing else available, then Quick Fix is the best budget fake urine brand out there and it definitely does not contain biocide preservatives.
3. How To Prepare For A Drug Test
вЂЇIf youвЂ™re in real trouble and facing a drug test in 24 hours, say tomorrow, and you live in a big city, then you could grab some Quick Fix.
Quick Fix is available in quite a few smoke shops and alternative shops in cities in America. Just check itвЂ™s fresh stock because they donвЂ™t sell very many and it can go out of date and go off.
My advice though is to invest in a box of Sub Solution or Quick Luck right now. Get them in stock and then you will never have to worry. The same applies to all detox products, passing a drug test in 24 hours is not that difficult, but you need to be prepared.
4. Instructions For Passing A Test Using Fake Urine
If you are facing a urine drug test and you need to submit a fake sample, itвЂ™s pretty easy to do. Just donвЂ™t panic, and make sure youвЂ™re prepared.
If you need to use a heatpad, heat your sample in the microwave to give it a head start. Strap the heatpad to it, and then tuck the sample in your crotch under your underwear. That keeps it snug and it keeps it closer to body temperature.
Also, you canвЂ™t be intimately searched. So putting the sample there and wearing baggy jogging bottoms means less chance of detection.
If youвЂ™re using Quick Fix then youвЂ™ll have to check the temperature before you enter the building. If it has cooled then use hot water from a flask to lift the temperature sample.
If youвЂ™re using Sub Solution or Quick Luck, itвЂ™s simply a case of tapping in enough heat activator powder to get the sample as close to 100В°F as possible without going over.
Strategy #2 Drug Detox Drinks: Best Way To Clean Out Your System Temporary
If youвЂ™re facing a supervised drug test, where somebody will be observing you, or you just donвЂ™t have the guts to smuggle a sample in, then drug detox drinks are the only real alternative for a urine drug test.
A detox drink does the following when you drink it (as long as itвЂ™s good quality):
Flushes out the toxins in your body
Accelerates and removes more toxins than water alone
Floods the body with things found in urine so they appear in it
Floods the body with things that can color your urine more naturally
A detox drink is merely a masking agent. In working, it creates a gap in the toxin flows into the bladder. It pushes them out at an accelerated rate, creating a gap of a few hours during which you can submit a clean sample. So donвЂ™t think that itвЂ™s the best detox for a drug test itвЂ™s just a temporary solution. The fastest way to clean your system is doing natural detox combined with detox pills, but since itвЂ™s not possible in 24 hours, we didnвЂ™t mention it in the article.
1. Instructions For Using A Detox Drink
These are the instructions you need to follow for using a cleansing drink:
YouвЂ™ll need to try and do a 24-hour drug detox before the day of your test if possible, preferably longer. If itвЂ™s really short notice though, youвЂ™ll have to just hope the detox drink has the potency to create a gap in your toxin flow and keep your urine natural.
Drink the contents of the bottle for about 10 minutes. Refill it with water and drink that if instructed to.
Over the next hour urinate at least three times, preferably more. This will ensure the bladder is empty and toxins are all removed.
Detox drink makers claim will have up to 5 hours clean, but if you are someone who is regularly taking drugs and you could have a high level of toxins in your body, say you are taking methamphetamine frequently, then it could be two or three hours.
2. These Are The Top Two Best Detox Drinks To Use
Mega Clean is one of the best detox drinks out there. On its own though, itвЂ™s not the most potent. As a plan B, you can grab it from somewhere like Walmart or Walgreens for a short-notice drug test. It could work.
But itвЂ™s best bought from Test Clear. YouвЂ™ll get six pre-rid pills bundled in, which is enough for a 24-hour potent detox. Obviously, youвЂ™ll need those 24 hours before the day of your test though.
The best detox drink on its own is Rescue Cleanse. You donвЂ™t need to drink additional water, and itвЂ™s definitely got the best formula. I passed a drug test using this. You should still do the 24-hour detox if possible though, especially if youвЂ™ve got high levels of toxins in your body. ItвЂ™s not available in smoke shops, click here to buy it online.
Strategy #3: Passing A Saliva Drug Test
Mouth swab drug testing is becoming more common. ItвЂ™s cheap and anyone can administer it. Even police on the roadside, on the spot at work, so it is insidious and dangerous. But thankfully, itвЂ™s quite easy to pass a saliva drug test if you know how and you have the tools in stock.
1. Passing An Oral Drug Test Naturally
If youвЂ™ve got low levels of toxins in your body, say you smoke a couple of joints at the start of the week and you only do that infrequently, then it could be enough to just brush your teeth several times, use plenty of mouthwash, and chew gum.
That, drinking plenty of water, urinating, exercising, and generally churning the saliva through your mouth and out of your body, will mean that you test negative more quickly.
2. Use Toxin Flushing Mouthwash
If you got high levels of toxins in your body, then a toxin-neutralizing mouthwash could be the way forward for you. They only cost about $30. Ultra Klean and Toxin Wash are two of the best brands.
Wash out your mouth with half the liquid, spit it out, and then repeat the process with the other. YouвЂ™ll be clean in about 60 seconds. The effects will last for 15 minutes. On the downside though, you canвЂ™t really swallow that much liquid, and youвЂ™ll have a bottle to dispose of. So not ideal for on-the-side-of-the-road drug testing, or on-the-spot at work testing.
3. Best Strategy: Oral Clear Gum
The best strategy for passing an oral drug test at short notice is definitely to use Oral Clear gum. ItвЂ™s not actually gummed at all. ItвЂ™s a capsule of very concentrated mouthwash. ItвЂ™s incredibly discreet because of this.
You can even use it with someone in front of you. Cup the capsule in the palm of your hand and cough. Place your hand over your mouth, and push it in. Then, while pretending to still cough a bit, pop the capsule and move the liquid around in your mouth for about 30 seconds.
If they ask you what you are doing, you can say were choking on a piece of gum. Then swallow, and thereвЂ™s no evidence you have used it.
Oral Clear isnвЂ™t cheap. It costs $90 for a single capsule. But itвЂ™s incredibly potent, discreet, and the absolute best way to pass.
Strategy #4 Passing A Hair Follicle Drug Test
The bad news is that if you are facing a hair drug test at short notice then there is no way out of it. You simply cannot pass a hair drug test in 24 hours. However, with a few days notice it is possible to flush out the toxins in your hair.
Why The Hair Follicle Drug Test Is So Dangerous
Hair drug testing is very dangerous because drug toxins get trapped inside the hair shaft. When you take drugs, they move around your bloodstream and get stuck in the hair follicle. When it grows, they get trapped in the hair shaft and form an indelible record of your drug use.
The sample they take is from the scalp at the follicle and then cut so that it represents 90 days of growth. Legally, they can only test your previous 90 days' hair growth. So if you havenвЂ™t taken anything in the past 90 days, then you should be okay.
The problem is that to get rid of the drug metabolites in your hair, you have to somehow open up the hard cuticle layer (microscopic scales that overlap to protect the inner hair shaft) and flush out the toxins without destroying the hair.
This Is The Only Method That Will Pass A Hair Drug Test
The only method that will pass a hair drug test is called the Macujo method.
It uses Aloe toxin rid shampoo alongside household ingredients to chemically work together to open up the cuticle layer and flush out the toxins. It then conditions the hair and ensures it isnвЂ™t damaged.
The problem is it takes several runs through this method to get rid of all the toxins. Once per day for seven days is ideal. If youвЂ™ve got three days, then twice per day will still give you six times and a great chance of passing.
With light levels of toxin exposure, even twice per day for two days leading up to a test could be enough. But it gets progressively more of a gamble.
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