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Numbers that speak for themselves

The impact we generate in the corporate financial market

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Companies Served

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Billions Transacted

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PREMIUM SOLUTIONS

Complete financial ecosystem for your company.

Cutting-edge technology for superior strategic decisions.

Premium Corporate Account

Manage cash flow with artificial intelligence and predictive analysis. Executive dashboard with real-time insights.

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Plug and Play

Easily connect to other systems, without complication.

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Advanced Automatic Pix

Automate billing with payment forecasting and up to 40% reduction in delinquency.

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Infraestrutura e ecossistema

Desenvolvimento horizontal de aplicações, ERP, PDV, CRM, Marketplaces e muito mais.

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Gestão de Contas a Pagar

Sistema automatizado com aprovação multinível, conciliação inteligente e integração com ERPs corporativos.

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Split Automatico

Distribuição automática de valores entre contas, conforme regras pré-definidas.

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01 // WHAT IS - modoou

Transform any Tax ID into a complete bank

- modoou offers a robust Banking as a Service (BaaS) infrastructure, allowing your company to operate with the same capacity as a traditional financial institution.

BaaS: Complete financial service delivered as a platform, without the need to open your own bank.
Compatible with all Tax IDs: MEI, ME, EPP, Ltda, S.A. and more.
Customized financial suite with accounts, payments, split, and management.
Native integration with the largest partner banks in Brazil.
100% digital, secure, and scalable platform for your business.

Banking Infrastructure

Digital Accounts

Pix & Boletos

Split Engine

Plug and Play

Headquarters Main Tax ID

Business A

Business B

Business C

02 // MULTI-BUSINESS

One Tax ID, multiple businesses manage everything in one place

Manage multiple businesses within the same parent account.
Financial identity and specific limits for each operation.
Direct connection with Inter and BTG Pactual.

03 // API REST

Accept payments from any digital channel with a single integration

modoou_api_v1

POST /payments/split

{ "amount": 10000,

"split_rules": [ ... ] }

// Response: 201 Created

04 // PAYMENT SPLIT

Automate revenue sharing between partners and producers

Ideal for marketplaces: configurable split rules per sale.
Automatic split at the time of payment.
Flexible configuration by percentage or fixed value.

Pagamento Recebido

R$ 100,00

30% PARCEIRO A

R$ 30,00

70% PARCEIRO B

R$ 70,00

05 // TAX CONTROL

Each split carries its tax slice effortlessly compliant

Automatic tax split proportional to the amount received.
Reduction of accounting errors and easier tax declaration.
Compatible with all Brazilian tax regimes.

⚖ Receita Total

Distribuição Parceiros 70%

Plataforma 20%

Impostos 10%

06 // ACCOUNT MANAGEMENT

Create bank accounts for partners in seconds

Empresa Matriz

Sócio

Employees

Parceiros

Open digital accounts for partners, employees, and associates directly through the platform.

Automate recurring payments and transfers without manual intervention.

07 // INTEGRATIONS

modoou integrates into your ecosystem via API REST

Connect your favorite systems and automate the entire financial flow

ERP

Synchronize orders and reconciliation automatically.

CRM

Link customers and financial history in real-time.

PDV

Integrate physical cash registers with the platform's processing.

E-commerce

Lojas virtuais com recebimento e split automático.

08 // WHITE-LABEL BANKING

Launch your own digital bank with your company's brand

Create a personalized subdomain: will.bank
Full customization of colors, logo, and visual identity.
All features (accounts, split, management) under your brand.
Ideal for fintechs, associations, and large companies.

09 // WHY CHOOSE MODOOU?

Banking infrastructure, startup agility

Feature	Banks	Outras
Multiple businesses per Tax ID		Partial
Native automatic split		Limited
Tax division
Full white-label		Partial
Full REST API	Limited

10 // USE CASES

From startup to large marketplace, modoou scales with you

Create your account, configure your splits and automate everything in minutes. Your digital bank is a subdomain away.

EXCEPTIONAL LEADERSHIP

Brilliant minds behind the financial revolution

Experts with decades of experience in finance and technology

Maciel Sousa da Silva

CEO e Diretor Executivo

Diretor da modoou com 12 anos de experiência em sistemas tecnológicos e mercado financeiro.

Renata Guedes

Diretora de Operações

Especialista em otimização de processos financeiros e experiências em CX.

Excelência

NOSSA FILOSOFIA

We believe in the power of companies that dare to transform the future.

At modoou, we create technology that transcends the ordinary and elevates the extraordinary.

We transform complexity into clarity, data into insights, and challenges into opportunities.

Sustainable growth requires solid financial foundations and sharp strategic vision.

INSIGHTS & TENDÊNCIAS

Conhecimento que impulsiona decisões estratégicas

O futuro do Open Finance e os dados compartilhados.

Por Equipe modoou • 5 min de leitura

Como automatizar sua conciliação bancária via API.

Por Engenharia modoou • 8 min de leitura

Estratégias de cashback para cartões corporativos.

Por Produto modoou • 4 min de leitura

Ver todos os conteúdos

CONTACT

Talk to our experts

Transform your financial management with a strategic conversation

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Company

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Where financial excellence meets technological innovation

Numbers that speak for themselves

Complete financial ecosystem for your company.

Premium Corporate Account

Plug and Play

Advanced Automatic Pix

Infraestrutura e ecossistema

Gestão de Contas a Pagar

Split Automatico

Transform any Tax ID into a complete bank

Banking Infrastructure

One Tax ID, multiple businesses manage everything in one place

Accept payments from any digital channel with a single integration

Automate revenue sharing between partners and producers

Each split carries its tax slice effortlessly compliant

⚖ Receita Total

Create bank accounts for partners in seconds

modoou integrates into your ecosystem via API REST

ERP

CRM

PDV

E-commerce

Launch your own digital bank with your company's brand

Banking infrastructure, startup agility

From startup to large marketplace, modoou scales with you

Brilliant minds behind the financial revolution

Maciel Sousa da Silva

Renata Guedes

We believe in the power of companies that dare to transform the future.

Conhecimento que impulsiona decisões estratégicas

O futuro do Open Finance e os dados compartilhados.

Como automatizar sua conciliação bancária via API.

Estratégias de cashback para cartões corporativos.

Talk to our experts

Where financial excellence
meets technological innovation