Strengthening Cartos' position as a pioneer in Banking as a Service
A Cartos tornou-se especializada em Banking as a Service e tem uma trajetória de 13 anos. Desde 2019, obteve a autorização do Banco Central para operar como Instituição Financeira, uma conquista significativa que trouxe também consigo muitos desafios.
Seu principal propósito é promover a democratização e a expansão do acesso ao crédito, fornecendo um serviço de alta qualidade em todos os aspectos das operações financeiras. É uma empresa inovadora, sempre em busca de aprimorar digitalmente seus produtos e oferecer ao mercado soluções tecnológicas, seguras e intuitivas. Nesse processo de evolução, conta com o apoio da Luby.
Durante nossa parceria, desempenhamos um papel fundamental na criação e implementação de novas soluções financeiras de Banking as a Service para o banco.
After receiving its financial institution license, Cartos faced challenges in adapting to its new business. Initially partnering with another provider, it switched to Luby to find a partner that could raise product standards and overcome obstacles.
We evaluated the existing application and rebuilt it from the ground up. Following a clear roadmap, we formed four multi-disciplinary teams to develop a scalable, highly available, fault-tolerant architecture using AWS serverless and microservices.
Brazilian payment system
Instant Payment System
IT Service Provider System
The app included core Internet banking features such as TEDs, providing a secure system for account opening, banking, and monitoring via mobile and web. This enabled Cartos to offer premium banking services.
Digital Account Project
With the first version validated and a strong roadmap in place, we enhanced Cartos’ core banking system and cleared the project backlog.
Building on Cartos’ robust core banking, we developed their Banking as a Service platform, a historic milestone for the company.
The platform serves credit originators (corporates, fintechs, bank correspondents) and capital market players (FIDCs, securitization firms, asset managers). With Luby’s expertise and over 20 specialists, Cartos is a BaaS leader.
We have developed a secure payment gateway with features such as inventory management, order history, customer management, and a user-friendly checkout process. This gateway integrates with payment solutions such as PagSeguro and Movingpay.
Cartos currently relies on Luby to keep its products and services up-to-date and operational. Our maintenance teams ensure process improvements, feature updates, and adaptations in response to regulatory changes or performance and security updates.
Our support teams are made up of ten professionals, including POs, solution architects, QA, and developers, who maintain existing applications while other teams focus on new requirements and technological evolution.
in transactions
operations
digital accounts
on the platform
CCBs issued
in operations without increasing staff
in new customers acquired per month
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