XO Digital distributes structured private credit products—primarily receivables and debentures—to retail investors through a WhatsApp-based digital assistant called Xodó, enabling investors to view opportunities, ask questions, deposit, invest and monitor portfolios. The company reports more than 100 active investors, has originated 11 operations and has distributed over R$ 6.5 million to date. XO Digital uses blockchain and tokenization to provide traceability of operations and assets. The firm emphasizes rigorous credit analysis and a variety of protection mechanisms across deals, including personal guarantees, repurchase clauses, escrow accounts, segregation of cash flows and, where appropriate, real assets as collateral. Management aims to increase the complexity of its offerings—moving toward FIDCs and structures with diverse receivables and protection mechanisms—while keeping entry tickets accessible to retail investors from R$ 100. The company plans to grow distributed volume to about R$ 50 million by the end of 2027.

Total raised

$1M

Funding rounds

1

Latest round

Equity

Latest activity

Aug 2026