# Bankei

> Transform your business into a complete banking solution with our Banking as a Service.

Bankei is a Brazilian banking as a service company offering digital banking and cryptocurrency payment infrastructure. It provides a Mastercard-linked digital account for individuals and white-label banking technology for business clients.

Bankei is a Brazilian financial technology company that operates as a banking as a service provider and digital banking platform. It gives individual users a multi-currency digital account for buying, holding, and spending cryptocurrency, paired with a Mastercard usable domestically and internationally, while offering businesses a white-label infrastructure to launch their own branded financial products.

The company positions itself as an alternative to traditional foreign exchange fees, letting users hold and spend value in stablecoins at lower conversion costs than physical currency exchange. For business clients, Bankei supplies the technology, regulatory handling, and risk management needed to embed card issuance, digital accounts, and cryptocurrency trading into an existing customer base without building banking infrastructure internally. It also offers on-demand technology teams to support partner companies with development and integration work.

Its consumer offering centers on the Bankei Card and digital account, complemented by loyalty program integrations that let cryptocurrency purchases earn points redeemable for travel and other rewards. A separate tokenization platform supports businesses raising funds through digital asset issuance. Bankei is pursuing registration with the national securities regulator and serves both retail cryptocurrency users and companies seeking white-label banking and payment capabilities.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2020-01-01
- Profile: https://thegrid.id/profiles/bankei

## Products

- [Bankei Banking-as-a-Service](https://thegrid.id/profiles/bankei): Bankei Banking-as-a-Service is a white-label financial infrastructure platform that lets other businesses launch branded banking and payment products without building their own regulatory or technical infrastructure. Companies connect to a modular API to offer prepaid cards, digital accounts, cryptocurrency purchase and custody, Pix transfers, and bill payments under their own brand, while Bankei manages compliance, risk, and processing. It also offers an IT body-shop model, supplying on-demand technology teams to support partner integrations and expansion. The platform is aimed at businesses with an existing customer base seeking to add financial services and earn revenue from interchange, foreign-exchange, and transaction fees. (Financial Services Platform, Live, Main Product)
- [Bankei Tokens](https://thegrid.id/profiles/bankei): Bankei Tokens is an asset tokenization platform that enables businesses to issue and manage digital securities for fundraising purposes. It allows companies to structure token offerings, connect with a network of investors and supporters, and buy or sell tokens with regulatory considerations aligned to Brazilian securities rules. The platform is accessed as a separate service from the main Bankei account, targeting businesses seeking capital through tokenized offerings rather than individual banking customers. (RWA Tokenisation Platform, Early access)
- [Bankei](https://thegrid.id/profiles/bankei): Bankei is a multicurrency digital account and prepaid Mastercard offering for individual consumers in Brazil. It lets users hold balances in reais or digital currencies, pay bills and boletos, make instant Pix transfers, and spend via a prepaid card accepted internationally, with balances automatically converted at the point of transaction. Users can also buy and sell a small set of cryptocurrencies directly within the app and earn partner loyalty points on digital-currency purchases. The account targets retail customers seeking lower foreign-exchange costs when traveling or transacting with digital assets. (Neobank, Live, Main Product)

## Links

- [Main](https://bankei.com.br)
- [Privacy policy](https://bankei.com.br/politicas-de-privacidade)
- [Terms of Service](https://bankei.com.br/termos-e-condicoes-de-uso)
- [Blog](https://bankei.com.br/bankei-insights)
- [LinkedIn](https://www.linkedin.com/company/bankeibrasil)
- [Twitter / X](https://x.com/bankeibrasil)
- [Facebook](https://web.facebook.com/people/Bankeibrasil)
- [YouTube](https://www.youtube.com/@bankei.brasil)
- [Instagram](https://instagram.com/bankeibrasil)

## Legal

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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP