档案库 · 金融科技 · 产品决策 · 2010–2026
Asaas押注Pix Automático，让巴西中小企业无需银行卡即可实现定期收款
Joinville的Asaas自2010年起盈利，通过R$820M的C轮融资，押注Pix Automático让巴西中小企业无需银行卡即可收取定期款项。
Asaas
做的是什么生意
Asaas is a Brazilian fintech platform for small and medium businesses that automates billing, Pix and boleto collection, receivables anticipation, payments and bank accounts — a one-stop 'business operating system' for financial operations.
启动资金：R$820M Series C (Oct 2024) led by BOND, with SoftBank, 23S Capital and Endeavor Catalyst
起因
Asaas was founded in 2010 in Joinville, Santa Catarina, by brothers Piero and Diego Contezini, who ran a software factory called Informant and found collecting payments consumed weeks of manual work each month. Early on the company had hundreds of test users but no paying customers; after the 'Pedro case' — a plumber calling for help generating boletos on an old computer — the brothers rebuilt the product in 2014 for simple, non-technical merchants, cutting billing work from about 18 days a month to five minutes a day. The company was profitable from its first month.
经过
In 2021 Asaas became the 31st payment institution authorized by Brazil's central bank and added a credit-society licence, letting it offer Pix directly; it acquired Base ERP, Code Money and NexInvoice. In October 2024 it raised an R$820 million Series C led by BOND with SoftBank, 23S Capital and Endeavor Catalyst — one of the largest technology rounds in Latin America — projecting R$400 million in revenue and 180,000 active customers for 2024. The central bank launched Pix Automático on 16 June 2025: standardized recurring charges that are free to payers, mandatory for payer-side institutions from October 2025, with a single consent stored in the payer's bank app. Asaas made it available to its business customers through its API, with authorization granted at the first payment.
结果
Still operating and expanding: more than 220,000 active customers and over R$500 million in annual recurring revenue as of late 2025, targeting R$1 billion in revenue in 2026, with a possible IPO ahead.
背景
Asaas是一家巴西金融科技公司，为中小企业自动化财务运营：在一个平台上签发boleto、Pix和卡收款，预支应收账款，管理应付账款、银行账户和对账。它于2010年在圣卡塔琳娜州的Joinville由Piero和Diego Contezini兄弟创立，从第一个月起就实现盈利，在C轮之前连续五年年增长率超过100%。
Asaas的赌注是，巴西央行构建的支付基础设施为中小企业金融科技提供了银行卡网络无法比拟的优势。Pix在2024年结算了超过R$26万亿，超越银行卡和现金成为巴西领先的支付方式，成为Asaas的核心轨道；2025年6月16日，巴西中央银行推出了Pix Automático，一种标准化的定期支付功能——对付款人免费，七天内最多重试三次，单一授权存储在付款人的银行应用中——使得约6000万没有信用卡的巴西人可以进行订阅计费。
2024年10月，Asaas完成了由BOND领投的R$8.2亿C轮融资，软银、23S Capital和Endeavor Catalyst参与，这是拉丁美洲最大的科技融资之一。目前，它服务于超过22万活跃客户，年经常性收入超过R$5亿。该公司通过其API向其企业客户提供Pix Automático，使用央行的“Jornada 3”流程，授权在首次付款时授予，并目标是到2026年收入超过R$10亿。
这件事要成立，得有什么
- Pix Automático标准化了付款人银行应用中的定期支付授权，消除了只有大型公用事业才能负担的逐行直接借记协议。
- Pix对付款人免费，根据PagBrasil的估计，每笔交易的成本比卡处理便宜多达14倍——而且它覆盖了约6000万没有信用卡的巴西人。
- Asaas现有的中小企业用户群——账单、收款、应收账款——使其成为新定期支付轨道的天然销售者。
- 自2021年起被央行授权为支付机构，使Asaas可以直接提供Pix产品，而不是通过银行。
可借鉴之处
国家建设的轨道消除了现有参与者无法消除的摩擦：Pix Automático标准化了银行直接借记从未拥有的定期授权，而Asaas将新规则变成了22万家中小企业的功能。
后续进展
截至2026年9月，Asaas正在扩张：截至2025年10月，活跃客户超过22万，年经常性收入超过R$5亿，公开目标是2026年收入超过R$10亿，并考虑IPO。Pix Automático通过其API向其法人客户提供，使用央行“Jornada 3”流程，即定期授权在首次付款时授予。目前尚无退出事件。
资料来源
- Asaas: Brazil-Based Financial Technology Company Secures R$820 Million (Series C)
- Ambientes de Inovação e Futuro dos Negócios: O Caminho do Asaas como Referência Nacional
- Pix Automático — Conheça o Pix Automático
- Pix Automático vs recurring cards vs débito em conta
- Pix Automático
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