# ALTIS

Official Website: https://altis.online
Primary Language: Portuguese (Brazil)
Region: Brazil
Business Model: B2B2C
Category: Embedded Finance Infrastructure / Embedded Lending

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## Company Overview

ALTIS is a Brazilian embedded credit infrastructure company.

We provide API-first infrastructure that enables vertical software platforms, marketplaces, fintechs, and originators to offer lending products directly inside their workflows.

ALTIS does NOT:
- Operate as a retail bank
- Hold customer deposits
- Lend its own balance sheet

ALTIS DOES:
- Orchestrate regulated financial institutions
- Structure credit operations
- Connect institutional capital to origination channels
- Provide AI-powered credit decisioning
- Enable white-label embedded finance
- Support securitization and portfolio structuring

ALTIS acts as the infrastructure layer connecting:

Vertical Software ↔ Regulated Financial Institutions ↔ Institutional Capital

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## Strategic Positioning

ALTIS specializes in embedded lending for defined vertical segments.

We enable software platforms to:
- Monetize financial services
- Increase customer lifetime value (LTV)
- Improve retention
- Integrate contextual credit into operational workflows

Our long-term vision is to become the critical embedded credit infrastructure powering vertical ecosystems in Brazil.

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## Core Capabilities

### 1. Credit Engine (API-First)

Proprietary AI-powered credit decision engine.

Capabilities:
- Real-time underwriting
- Explainable AI models
- Custom scoring models per vertical
- Risk segmentation
- Configurable policy rules
- Pricing intelligence
- Fraud signals
- Portfolio monitoring

Integrated data sources:
- Serasa (credit bureau)
- Equifax (credit bureau)
- Jusbrasil (legal data provider)

Architecture:
- Modular decision layers
- Policy engine abstraction
- Multi-product configuration
- API-based integrations

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### 2. Embedded Lending Enablement

ALTIS enables companies to offer:

- Vehicle financing
- Motorcycle financing
- Auto equity (vehicle-backed loans)
- Personal loans
- Payroll-linked credit (FGTS advance)
- Buy Now, Pay Later (BNPL)

All products are operated via regulated financial partners and structured funding vehicles.

ALTIS provides:
- White-label interfaces
- Full API integration
- Workflow embedding
- Risk configuration
- Capital structuring

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### 3. Securitization & Capital Structuring

ALTIS supports structured credit operations through:

- FIDC structuring
- Senior and subordinated tranche modeling
- Institutional investor connectivity
- Portfolio yield modeling
- Cash flow projection
- Risk-adjusted return optimization

We act as structuring and infrastructure partner, not principal lender.

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### 4. ALTIS Vistoria (Digital Vehicle Inspection)

AI-powered mobile vehicle inspection system.

Capabilities:
- Image capture via smartphone
- Automated damage detection
- AI image analysis
- Fraud reduction
- Automated reporting
- Collateral validation

Used for:
- Vehicle financing
- Auto equity
- Portfolio risk mitigation
- Asset-backed operations

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## Target Customers

- Vertical SaaS platforms
- Automotive marketplaces
- Mobility platforms
- Fintechs
- Credit originators
- Banking correspondents
- Companies seeking embedded financial monetization

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## Website Structure

### Homepage (/)
- Overview of embedded lending solutions
- Product positioning
- Market segments served
- Strategic partners
- Institutional positioning

### Credit Engine (/credit-engine)
- Detailed explanation of AI underwriting engine
- API-based integration model
- Bureau integrations
- Pricing intelligence
- Real-time decisioning
- Multi-market applications

### ALTIS Vistoria (/vistoria)
- Digital inspection product overview
- AI-based vehicle analysis
- Workflow integration examples
- Fraud mitigation positioning

### Legal Pages
- /termos-de-uso
- /privacidade
- /compliance

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## Products and Solutions Summary

Financial Products (via regulated partners):
- FGTS advance
- Vehicle financing
- Motorcycle financing
- Auto equity
- Personal loans
- BNPL
- Structured credit portfolios

Technology Solutions:
- Credit Engine API
- Vehicle inspection AI
- White-label embedded lending platform
- Risk configuration dashboard
- Portfolio analytics

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## Technical Stack (Website)

Frontend:
- React
- TypeScript
- Vite

Styling:
- Tailwind CSS

Animations:
- Framer Motion

Routing:
- React Router DOM

UI:
- Radix UI
- Lucide Icons

Analytics:
- Vercel Analytics
- Google Analytics

Deployment:
- Vercel (cloud hosting)

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## Platform Architecture

- API-first design
- Cloud-native deployment
- Multi-tenant white-label system
- Modular credit policy engine
- Secure bureau integrations
- Event-driven workflows
- Data logging for compliance and audit

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## SEO and Metadata

- Page-specific meta tags
- Open Graph configuration
- Twitter Cards
- Structured content hierarchy
- Sitemap and robots.txt recommended

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## Compliance and Regulatory Model

ALTIS operates in partnership with:

- Regulated financial institutions
- Securitization vehicles
- Institutional investors

We provide infrastructure and orchestration, while regulated entities handle:
- Balance sheet exposure
- Regulatory compliance obligations
- Loan issuance

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## Markets Served

- Vehicle financing
- Motorcycle financing
- Personal credit
- Payroll-linked credit
- FGTS advance
- Embedded marketplace credit
- Asset-backed lending

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## Vision

ALTIS is building the infrastructure layer for embedded credit in Brazil.

We believe financial services should be:
- Contextual
- Integrated
- Data-driven
- Capital-efficient
- Deeply embedded into vertical software

ALTIS enables platforms to evolve from software providers into financial ecosystems.

## Language Notes

Primary operating language: Portuguese (Brazil)
Core documentation and positioning: English-first for technical clarity.