Business is booming.

Brazilian consumer credit startup Open Co raises $115M in SoftBank-led round – TechCrunch

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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 you’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 it’s fresh stock because they don’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, it’s pretty easy to do. Just don’t panic, and make sure you’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 can’t be intimately searched. So putting the sample there and wearing baggy jogging bottoms means less chance of detection.
    If you’re using Quick Fix then you’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 you’re using Sub Solution or Quick Luck, it’s simply a case of tapping in enough heat activator powder to get the sample as close to 100°F as possible without going over.
    Strategy #2 Drug Detox Drinks: Best Way To Clean Out Your System Temporary
    If you’re facing a supervised drug test, where somebody will be observing you, or you just don’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 it’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 don’t think that it’s the best detox for a drug test it’s just a temporary solution. The fastest way to clean your system is doing natural detox combined with detox pills, but since it’s not possible in 24 hours, we didn’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:
    You’ll need to try and do a 24-hour drug detox before the day of your test if possible, preferably longer. If it’s really short notice though, you’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, it’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 it’s best bought from Test Clear. You’ll get six pre-rid pills bundled in, which is enough for a 24-hour potent detox. Obviously, you’ll need those 24 hours before the day of your test though.
    The best detox drink on its own is Rescue Cleanse. You don’t need to drink additional water, and it’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 you’ve got high levels of toxins in your body. It’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. It’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, it’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 you’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. You’ll be clean in about 60 seconds. The effects will last for 15 minutes. On the downside though, you can’t really swallow that much liquid, and you’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. It’s not actually gummed at all. It’s a capsule of very concentrated mouthwash. It’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 there’s no evidence you have used it.
    Oral Clear isn’t cheap. It costs $90 for a single capsule. But it’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 haven’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 isn’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 you’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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