VENTURE PITCH
Next Credit:
Credit Identity for the Global SouthFebruary 2025
SUMMARY
We expand credit access by scoring users with identity data
Over 2 billion people do not have access to credit.
3
Legacy data is limited in its ability to assess credit risk.
4
We greatly improve credit scoring with identity wallets.
5
We offer credit score apps and integrations for lenders.
6
We maximize income for lenders using identity data.
7
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
8
We earn usage fees from lenders and premium users.
9
We will lead the market in data use and transparency.
10
We will connect 2 M NossaIA users with microlenders.
11
We will scale to 60 M users and $120 M sales by 2029.
12
We will invest $1 M in piloting with 2 M users by 2026.
13
Next Credit is built by founders of ItsNoon & Karrera.AI.
14
2/15
CONTEXT
Over 2 billion people do not have access to credit.
30% of global adults mainly in Africa, Asia, Latin America, working in informal services, micro-business & agriculture cannot access credit.
3/15
PROBLEM
Legacy data is limited in its ability to assess credit risk.
Credit risk is assessed using costly legacy technologies and outdated processes making it difficult to offer credit to those without credit history.
4/15
SOLUTION
We greatly improve credit scoring with identity wallets.
We connect data in identity wallets to data models that derive meaningful insights to improve credit scores.
5/15
PRODUCT
We offer credit score apps with integrations for banks.
Our B2C app helps users manage credit scores and review the calculation. We also offer widgets and APIs for banks to integrate with credit processing apps.
6/15
DIFFERENTIATION
We maximize income for lenders using identity data.
Legacy systems use data to reduce risk in offering credit to users. We use AI models to minimize risk and also expand credit income.
7/15
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
The market for credit interest and fees for those without credit history in 2030 is $63 Bn, with the initial market of $3 Bn in Brazil.
8/15
BUSINESS MODEL
We earn usage fees from lenders and premium users.
We offer a tier based usage fee for Banks starting at $1,000 monthly for 500 credit checks and a $10 monthly subscription for premium end-users.
9/15
COMPETITION
We will lead the market in data use and transparency.
Scoring credit based on data in identity wallets greatly expands the use of data, while also offering the most transparency for users.
10/15
GO-TO-MARKET
We will connect 2 M NossaIA users with microlenders.
We will launch Next Credit with 2 million users of NossaIA in Brazil, and the first dashboards will be validated with micro-lenders in regions with the most data.
11/15
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
We will expand to larger lenders in 2026, expand across LATAM in 2027 and then the Global South in 2029 reaching 60 M users and $120 M in revenues by 2030.
12/15
FUNDING
We will invest $1 M in piloting with 2M users in 1 year.
We will invest in piloting a MVP with NossaIA's network of 2 M users and acquiring up to 10 regional lending partners over 12 months.
13/15
Reinaldo Pamponet
Jose Pizani
Carlos Fucci
Roman Fernandez
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI.
We are former founders with successful exits, and experience in FinTech in Brazil.
14/15
What's Next?
Explore a partnership with us or learn more about the team.
15/15
VENTURE PITCH
Next Credit:
Credit Identity for the Global SouthFebruary 2025
SUMMARY
We expand credit access by scoring users with identity data
Over 2 billion people do not have access to credit.
3
Legacy data is limited in its ability to assess credit risk.
4
We greatly improve credit scoring with identity wallets.
5
We offer credit score apps and integrations for lenders.
6
We maximize income for lenders using identity data.
7
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
8
We earn usage fees from lenders and premium users.
9
We will lead the market in data use and transparency.
10
We will connect 2 M NossaIA users with microlenders.
11
We will scale to 60 M users and $120 M sales by 2029.
12
We will invest $1 M in piloting with 2 M users by 2026.
13
Next Credit is built by founders of ItsNoon & Karrera.AI.
14
2/15
CONTEXT
Over 2 billion people do not have access to credit.
30% of global adults mainly in Africa, Asia, Latin America, working in informal services, micro-business & agriculture cannot access credit.
3/15
PROBLEM
Legacy data is limited in its ability to assess credit risk.
Credit risk is assessed using costly legacy technologies and outdated processes making it difficult to offer credit to those without credit history.
4/15
SOLUTION
We greatly improve credit scoring with identity wallets.
We connect data in identity wallets to data models that derive meaningful insights to improve credit scores.
5/15
PRODUCT
We offer credit score apps with integrations for banks.
Our B2C app helps users manage credit scores and review the calculation. We also offer widgets and APIs for banks to integrate with credit processing apps.
6/15
DIFFERENTIATION
We maximize income for lenders using identity data.
Legacy systems use data to reduce risk in offering credit to users. We use AI models to minimize risk and also expand credit income.
7/15
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
The market for credit interest and fees for those without credit history in 2030 is $63 Bn, with the initial market of $3 Bn in Brazil.
8/15
BUSINESS MODEL
We earn usage fees from lenders and premium users.
We offer a tier based usage fee for Banks starting at $1,000 monthly for 500 credit checks and a $10 monthly subscription for premium end-users.
9/15
COMPETITION
We will lead the market in data use and transparency.
Scoring credit based on data in identity wallets greatly expands the use of data, while also offering the most transparency for users.
10/15
GO-TO-MARKET
We will connect 2 M NossaIA users with microlenders.
We will launch Next Credit with 2 million users of NossaIA in Brazil, and the first dashboards will be validated with micro-lenders in regions with the most data.
11/15
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
We will expand to larger lenders in 2026, expand across LATAM in 2027 and then the Global South in 2029 reaching 60 M users and $120 M in revenues by 2030.
12/15
FUNDING
We will invest $1 M in piloting with 2M users in 1 year.
We will invest in piloting a MVP with NossaIA's network of 2 M users and acquiring up to 10 regional lending partners over 12 months.
13/15
Reinaldo Pamponet
Jose Pizani
Carlos Fucci
Roman Fernandez
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI.
We are former founders with successful exits, and experience in FinTech in Brazil.
14/15
What's Next?
Explore a partnership with us or learn more about the team.
15/15
VENTURE PITCH
Next Credit:
Credit Identity for the Global SouthFebruary 2025
SUMMARY
We expand credit access by scoring users with identity data
Over 2 billion people do not have access to credit.
3
Legacy data is limited in its ability to assess credit risk.
4
We greatly improve credit scoring with identity wallets.
5
We offer credit score apps and integrations for lenders.
6
We maximize income for lenders using identity data.
7
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
8
We earn usage fees from lenders and premium users.
9
We will lead the market in data use and transparency.
10
We will connect 2 M NossaIA users with microlenders.
11
We will scale to 60 M users and $120 M sales by 2029.
12
We will invest $1 M in piloting with 2 M users by 2026.
13
Next Credit is built by founders of ItsNoon & Karrera.AI.
14
2/15
CONTEXT
Over 2 billion people do not have access to credit.
30% of global adults mainly in Africa, Asia, Latin America, working in informal services, micro-business & agriculture cannot access credit.
3/15
PROBLEM
Legacy data is limited in its ability to assess credit risk.
Credit risk is assessed using costly legacy technologies and outdated processes making it difficult to offer credit to those without credit history.
4/15
SOLUTION
We greatly improve credit scoring with identity wallets.
We connect data in identity wallets to data models that derive meaningful insights to improve credit scores.
5/15
PRODUCT
We offer credit score apps with integrations for banks.
Our B2C app helps users manage credit scores and review the calculation. We also offer widgets and APIs for banks to integrate with credit processing apps.
6/15
DIFFERENTIATION
We maximize income for lenders using identity data.
Legacy systems use data to reduce risk in offering credit to users. We use AI models to minimize risk and also expand credit income.
7/15
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
The market for credit interest and fees for those without credit history in 2030 is $63 Bn, with the initial market of $3 Bn in Brazil.
8/15
BUSINESS MODEL
We earn usage fees from lenders and premium users.
We offer a tier based usage fee for Banks starting at $1,000 monthly for 500 credit checks and a $10 monthly subscription for premium end-users.
9/15
COMPETITION
We will lead the market in data use and transparency.
Scoring credit based on data in identity wallets greatly expands the use of data, while also offering the most transparency for users.
10/15
GO-TO-MARKET
We will connect 2 M NossaIA users with microlenders.
We will launch Next Credit with 2 million users of NossaIA in Brazil, and the first dashboards will be validated with micro-lenders in regions with the most data.
11/15
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
We will expand to larger lenders in 2026, expand across LATAM in 2027 and then the Global South in 2029 reaching 60 M users and $120 M in revenues by 2030.
12/15
FUNDING
We will invest $1 M in piloting with 2M users in 1 year.
We will invest in piloting a MVP with NossaIA's network of 2 M users and acquiring up to 10 regional lending partners over 12 months.
13/15
Reinaldo Pamponet
Jose Pizani
Carlos Fucci
Roman Fernandez
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI.
We are former founders with successful exits, and experience in FinTech in Brazil.
14/15
What's Next?
Explore a partnership with us or learn more about the team.
15/15
VENTURE PITCH
Next Credit:
Credit Identity for the Global SouthFebruary 2025
SUMMARY
We expand credit access by scoring users with identity data
Over 2 billion people do not have access to credit.
3
Legacy data is limited in its ability to assess credit risk.
4
We greatly improve credit scoring with identity wallets.
5
We offer credit score apps and integrations for lenders.
6
We maximize income for lenders using identity data.
7
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
8
We earn usage fees from lenders and premium users.
9
We will lead the market in data use and transparency.
10
We will connect 2 M NossaIA users with microlenders.
11
We will scale to 60 M users and $120 M sales by 2029.
12
We will invest $1 M in piloting with 2 M users by 2026.
13
Next Credit is built by founders of ItsNoon & Karrera.AI.
14
2/15
CONTEXT
Over 2 billion people do not have access to credit.
30% of global adults mainly in Africa, Asia, Latin America, working in informal services, micro-business & agriculture cannot access credit.
3/15
PROBLEM
Legacy data is limited in its ability to assess credit risk.
Credit risk is assessed using costly legacy technologies and outdated processes making it difficult to offer credit to those without credit history.
4/15
SOLUTION
We greatly improve credit scoring with identity wallets.
We connect data in identity wallets to data models that derive meaningful insights to improve credit scores.
5/15
PRODUCT
We offer credit score apps with integrations for banks.
Our B2C app helps users manage credit scores and review the calculation. We also offer widgets and APIs for banks to integrate with credit processing apps.
6/15
DIFFERENTIATION
We maximize income for lenders using identity data.
Legacy systems use data to reduce risk in offering credit to users. We use AI models to minimize risk and also expand credit income.
7/15
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
The market for credit interest and fees for those without credit history in 2030 is $63 Bn, with the initial market of $3 Bn in Brazil.
8/15
BUSINESS MODEL
We earn usage fees from lenders and premium users.
We offer a tier based usage fee for Banks starting at $1,000 monthly for 500 credit checks and a $10 monthly subscription for premium end-users.
9/15
COMPETITION
We will lead the market in data use and transparency.
Scoring credit based on data in identity wallets greatly expands the use of data, while also offering the most transparency for users.
10/15
GO-TO-MARKET
We will connect 2 M NossaIA users with microlenders.
We will launch Next Credit with 2 million users of NossaIA in Brazil, and the first dashboards will be validated with micro-lenders in regions with the most data.
11/15
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
We will expand to larger lenders in 2026, expand across LATAM in 2027 and then the Global South in 2029 reaching 60 M users and $120 M in revenues by 2030.
12/15
FUNDING
We will invest $1 M in piloting with 2M users in 1 year.
We will invest in piloting a MVP with NossaIA's network of 2 M users and acquiring up to 10 regional lending partners over 12 months.
13/15
Reinaldo Pamponet
Jose Pizani
Carlos Fucci
Roman Fernandez
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI.
We are former founders with successful exits, and experience in FinTech in Brazil.
14/15
What's Next?
Explore a partnership with us or learn more about the team.
15/15
VENTURE PITCH
Next Credit:
Credit Identity for the Global SouthFebruary 2025
SUMMARY
We expand credit access by scoring users with identity data
Over 2 billion people do not have access to credit.
3
Legacy data is limited in its ability to assess credit risk.
4
We greatly improve credit scoring with identity wallets.
5
We offer credit score apps and integrations for lenders.
6
We maximize income for lenders using identity data.
7
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
8
We earn usage fees from lenders and premium users.
9
We will lead the market in data use and transparency.
10
We will connect 2 M NossaIA users with microlenders.
11
We will scale to 60 M users and $120 M sales by 2029.
12
We will invest $1 M in piloting with 2 M users by 2026.
13
Next Credit is built by founders of ItsNoon & Karrera.AI.
14
2/15
CONTEXT
Over 2 billion people do not have access to credit.
30% of global adults mainly in Africa, Asia, Latin America, working in informal services, micro-business & agriculture cannot access credit.
3/15
PROBLEM
Legacy data is limited in its ability to assess credit risk.
Credit risk is assessed using costly legacy technologies and outdated processes making it difficult to offer credit to those without credit history.
4/15
SOLUTION
We greatly improve credit scoring with identity wallets.
We connect data in identity wallets to data models that derive meaningful insights to improve credit scores.
5/15
PRODUCT
We offer credit score apps with integrations for banks.
Our B2C app helps users manage credit scores and review the calculation. We also offer widgets and APIs for banks to integrate with credit processing apps.
6/15
DIFFERENTIATION
We maximize income for lenders using identity data.
Legacy systems use data to reduce risk in offering credit to users. We use AI models to minimize risk and also expand credit income.
7/15
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
The market for credit interest and fees for those without credit history in 2030 is $63 Bn, with the initial market of $3 Bn in Brazil.
8/15
BUSINESS MODEL
We earn usage fees from lenders and premium users.
We offer a tier based usage fee for Banks starting at $1,000 monthly for 500 credit checks and a $10 monthly subscription for premium end-users.
9/15
COMPETITION
We will lead the market in data use and transparency.
Scoring credit based on data in identity wallets greatly expands the use of data, while also offering the most transparency for users.
10/15
GO-TO-MARKET
We will connect 2 M NossaIA users with microlenders.
We will launch Next Credit with 2 million users of NossaIA in Brazil, and the first dashboards will be validated with micro-lenders in regions with the most data.
11/15
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
We will expand to larger lenders in 2026, expand across LATAM in 2027 and then the Global South in 2029 reaching 60 M users and $120 M in revenues by 2030.
12/15
FUNDING
We will invest $1 M in piloting with 2M users in 1 year.
We will invest in piloting a MVP with NossaIA's network of 2 M users and acquiring up to 10 regional lending partners over 12 months.
13/15
Reinaldo Pamponet
Jose Pizani
Carlos Fucci
Roman Fernandez
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI.
We are former founders with successful exits, and experience in FinTech in Brazil.
14/15
What's Next?
Explore a partnership with us or learn more about the team.
15/15
VENTURE PITCH
Next Credit:
Credit Identity for the Global SouthFebruary 2025
SUMMARY
We expand credit access by scoring users with identity data
Over 2 billion people do not have access to credit.
3
Legacy data is limited in its ability to assess credit risk.
4
We greatly improve credit scoring with identity wallets.
5
We offer credit score apps and integrations for lenders.
6
We maximize income for lenders using identity data.
7
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
8
We earn usage fees from lenders and premium users.
9
We will lead the market in data use and transparency.
10
We will connect 2 M NossaIA users with microlenders.
11
We will scale to 60 M users and $120 M sales by 2029.
12
We will invest $1 M in piloting with 2 M users by 2026.
13
Next Credit is built by founders of ItsNoon & Karrera.AI.
14
2/15
CONTEXT
Over 2 billion people do not have access to credit.
30% of global adults mainly in Africa, Asia, Latin America, working in informal services, micro-business & agriculture cannot access credit.
3/15
PROBLEM
Legacy data is limited in its ability to assess credit risk.
Credit risk is assessed using costly legacy technologies and outdated processes making it difficult to offer credit to those without credit history.
4/15
SOLUTION
We greatly improve credit scoring with identity wallets.
We connect data in identity wallets to data models that derive meaningful insights to improve credit scores.
5/15
PRODUCT
We offer credit score apps with integrations for banks.
Our B2C app helps users manage credit scores and review the calculation. We also offer widgets and APIs for banks to integrate with credit processing apps.
6/15
DIFFERENTIATION
We maximize income for lenders using identity data.
Legacy systems use data to reduce risk in offering credit to users. We use AI models to minimize risk and also expand credit income.
7/15
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
The market for credit interest and fees for those without credit history in 2030 is $63 Bn, with the initial market of $3 Bn in Brazil.
8/15
BUSINESS MODEL
We earn usage fees from lenders and premium users.
We offer a tier based usage fee for Banks starting at $1,000 monthly for 500 credit checks and a $10 monthly subscription for premium end-users.
9/15
COMPETITION
We will lead the market in data use and transparency.
Scoring credit based on data in identity wallets greatly expands the use of data, while also offering the most transparency for users.
10/15
GO-TO-MARKET
We will connect 2 M NossaIA users with microlenders.
We will launch Next Credit with 2 million users of NossaIA in Brazil, and the first dashboards will be validated with micro-lenders in regions with the most data.
11/15
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
We will expand to larger lenders in 2026, expand across LATAM in 2027 and then the Global South in 2029 reaching 60 M users and $120 M in revenues by 2030.
12/15
FUNDING
We will invest $1 M in piloting with 2M users in 1 year.
We will invest in piloting a MVP with NossaIA's network of 2 M users and acquiring up to 10 regional lending partners over 12 months.
13/15
Reinaldo Pamponet
Jose Pizani
Carlos Fucci
Roman Fernandez
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI.
We are former founders with successful exits, and experience in FinTech in Brazil.
14/15
What's Next?
Explore a partnership with us or learn more about the team.
15/15
VENTURE PITCH
Next Credit:
Credit Identity for the Global SouthFebruary 2025
SUMMARY
We expand credit access by scoring users with identity data
Over 2 billion people do not have access to credit.
3
Legacy data is limited in its ability to assess credit risk.
4
We greatly improve credit scoring with identity wallets.
5
We offer credit score apps and integrations for lenders.
6
We maximize income for lenders using identity data.
7
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
8
We earn usage fees from lenders and premium users.
9
We will lead the market in data use and transparency.
10
We will connect 2 M NossaIA users with microlenders.
11
We will scale to 60 M users and $120 M sales by 2029.
12
We will invest $1 M in piloting with 2 M users by 2026.
13
Next Credit is built by founders of ItsNoon & Karrera.AI.
14
2/15
CONTEXT
Over 2 billion people do not have access to credit.
30% of global adults mainly in Africa, Asia, Latin America, working in informal services, micro-business & agriculture cannot access credit.
3/15
PROBLEM
Legacy data is limited in its ability to assess credit risk.
Credit risk is assessed using costly legacy technologies and outdated processes making it difficult to offer credit to those without credit history.
4/15
SOLUTION
We greatly improve credit scoring with identity wallets.
We connect data in identity wallets to data models that derive meaningful insights to improve credit scores.
5/15
PRODUCT
We offer credit score apps with integrations for banks.
Our B2C app helps users manage credit scores and review the calculation. We also offer widgets and APIs for banks to integrate with credit processing apps.
6/15
DIFFERENTIATION
We maximize income for lenders using identity data.
Legacy systems use data to reduce risk in offering credit to users. We use AI models to minimize risk and also expand credit income.
7/15
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
The market for credit interest and fees for those without credit history in 2030 is $63 Bn, with the initial market of $3 Bn in Brazil.
8/15
BUSINESS MODEL
We earn usage fees from lenders and premium users.
We offer a tier based usage fee for Banks starting at $1,000 monthly for 500 credit checks and a $10 monthly subscription for premium end-users.
9/15
COMPETITION
We will lead the market in data use and transparency.
Scoring credit based on data in identity wallets greatly expands the use of data, while also offering the most transparency for users.
10/15
GO-TO-MARKET
We will connect 2 M NossaIA users with microlenders.
We will launch Next Credit with 2 million users of NossaIA in Brazil, and the first dashboards will be validated with micro-lenders in regions with the most data.
11/15
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
We will expand to larger lenders in 2026, expand across LATAM in 2027 and then the Global South in 2029 reaching 60 M users and $120 M in revenues by 2030.
12/15
FUNDING
We will invest $1 M in piloting with 2M users in 1 year.
We will invest in piloting a MVP with NossaIA's network of 2 M users and acquiring up to 10 regional lending partners over 12 months.
13/15
Reinaldo Pamponet
Jose Pizani
Carlos Fucci
Roman Fernandez
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI.
We are former founders with successful exits, and experience in FinTech in Brazil.
14/15
What's Next?
Explore a partnership with us or learn more about the team.
15/15
VENTURE PITCH
Next Credit:
Credit Identity for the Global SouthFebruary 2025
SUMMARY
We expand credit access by scoring users with identity data
Over 2 billion people do not have access to credit.
3
Legacy data is limited in its ability to assess credit risk.
4
We greatly improve credit scoring with identity wallets.
5
We offer credit score apps and integrations for lenders.
6
We maximize income for lenders using identity data.
7
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
8
We earn usage fees from lenders and premium users.
9
We will lead the market in data use and transparency.
10
We will connect 2 M NossaIA users with microlenders.
11
We will scale to 60 M users and $120 M sales by 2029.
12
We will invest $1 M in piloting with 2 M users by 2026.
13
Next Credit is built by founders of ItsNoon & Karrera.AI.
14
2/15
CONTEXT
Over 2 billion people do not have access to credit.
30% of global adults mainly in Africa, Asia, Latin America, working in informal services, micro-business & agriculture cannot access credit.
3/15
PROBLEM
Legacy data is limited in its ability to assess credit risk.
Credit risk is assessed using costly legacy technologies and outdated processes making it difficult to offer credit to those without credit history.
4/15
SOLUTION
We greatly improve credit scoring with identity wallets.
We connect data in identity wallets to data models that derive meaningful insights to improve credit scores.
5/15
PRODUCT
We offer credit score apps with integrations for banks.
Our B2C app helps users manage credit scores and review the calculation. We also offer widgets and APIs for banks to integrate with credit processing apps.
6/15
DIFFERENTIATION
We maximize income for lenders using identity data.
Legacy systems use data to reduce risk in offering credit to users. We use AI models to minimize risk and also expand credit income.
7/15
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
The market for credit interest and fees for those without credit history in 2030 is $63 Bn, with the initial market of $3 Bn in Brazil.
8/15
BUSINESS MODEL
We earn usage fees from lenders and premium users.
We offer a tier based usage fee for Banks starting at $1,000 monthly for 500 credit checks and a $10 monthly subscription for premium end-users.
9/15
COMPETITION
We will lead the market in data use and transparency.
Scoring credit based on data in identity wallets greatly expands the use of data, while also offering the most transparency for users.
10/15
GO-TO-MARKET
We will connect 2 M NossaIA users with microlenders.
We will launch Next Credit with 2 million users of NossaIA in Brazil, and the first dashboards will be validated with micro-lenders in regions with the most data.
11/15
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
We will expand to larger lenders in 2026, expand across LATAM in 2027 and then the Global South in 2029 reaching 60 M users and $120 M in revenues by 2030.
12/15
FUNDING
We will invest $1 M in piloting with 2M users in 1 year.
We will invest in piloting a MVP with NossaIA's network of 2 M users and acquiring up to 10 regional lending partners over 12 months.
13/15
Reinaldo Pamponet
Jose Pizani
Carlos Fucci
Roman Fernandez
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI.
We are former founders with successful exits, and experience in FinTech in Brazil.
14/15
What's Next?
Explore a partnership with us or learn more about the team.
15/15
VENTURE PITCH
Next Credit:
Credit Identity for the Global SouthFebruary 2025
SUMMARY
We expand credit access by scoring users with identity data
CONTEXT
Over 2 billion people do not have access to credit.
3
PROBLEM
Legacy data is limited in its ability to assess credit risk.
4
SOLUTION
We greatly improve credit scoring with identity wallets.
5
PRODUCT
We offer credit score apps and integrations for lenders.
6
DIFFERENTIATION
We maximize income for lenders using identity data.
7
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
8
BUSINESS MODEL
We earn usage fees from lenders and premium users.
9
COMPETITION
We will lead the market in data use and transparency.
10
GO-TO-MARKET
We will connect 2 M NossaIA users with micro-lenders.
11
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
12
FUNDING
We will invest $1 M in piloting with 2 M users by 2026.
13
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI.
14
2/15
CONTEXT
Over 2 billion people do not have access to credit.
30% of global adults mainly in Africa, Asia, Latin America, working in informal services, micro-business & agriculture cannot access credit.
3/15
PROBLEM
Legacy data is limited in its ability to assess credit risk.
Credit risk is assessed using costly legacy technologies and outdated processes making it difficult to offer credit to those without credit history.
4/15
SOLUTION
We greatly improve credit scoring with identity wallets.
We connect data in identity wallets to data models that derive meaningful insights to improve credit scores.
5/15
PRODUCT
We offer credit score apps with integrations for banks.
Our B2C app helps users manage credit scores and review the calculation. We also offer widgets and APIs for banks to integrate with credit processing apps.
6/15
DIFFERENTIATION
We maximize income for lenders using identity data.
Legacy systems use data to reduce risk in offering credit to users. We use AI models to minimize risk and also expand credit income.
7/15
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
The market for credit interest and fees for those without credit history in 2030 is $63 Bn, with the initial market of $3 Bn in Brazil.
8/15
BUSINESS MODEL
We earn usage fees from lenders and premium users.
We offer a tier based usage fee for Banks starting at $1,000 monthly for 500 credit checks and a $10 monthly subscription for premium end-users.
9/15
COMPETITION
We will lead the market in data use and transparency.
Scoring credit based on data in identity wallets greatly expands the use of data, while also offering the most transparency for users.
10/15
GO-TO-MARKET
We will connect 2 M NossIA users with microlenders.
We will launch Next Credit with 2 million users of NossaIA in Brazil, and the first dashboards will be validated with micro-lenders in regions with the most data.
11/15
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
We will expand to larger lenders in 2026, expand across LATAM in 2027 and then the Global South in 2029 reaching 60 M users and $120 M in sales by 2030.
12/15
FUNDING
We will invest $1 M in piloting with 2M users in 1 year .
We will invest in piloting a MVP with NossaIA's network of 2 M users and acquiring up to 10 regional lending partners over 12 months.
13/15
Reinaldo Pamponet
Jose
PizaniCarlos
FucciRoman Fernandez
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI .
We are former founders with successful exits, and experience in the financial and technology space in Brazil and LATAM.
14/15
What's Next?
Explore a partnership with us or learn more about the team.
15/15
VENTURE PITCH
Next Credit:
Credit Identity for the Global SouthFebruary 2025
SUMMARY
We expand credit access by scoring users with identity data
CONTEXT
Over 2 billion people do not have access to credit.
3
PROBLEM
Legacy data is limited in its ability to assess credit risk.
4
SOLUTION
We greatly improve credit scoring with identity wallets.
5
PRODUCT
We offer credit score apps and integrations for lenders.
6
DIFFERENTIATION
We maximize income for lenders using identity data.
7
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
8
BUSINESS MODEL
We earn usage fees from lenders and premium users.
9
COMPETITION
We will lead the market in data use and transparency.
10
GO-TO-MARKET
We will connect 2 M NossaIA users with micro-lenders.
11
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
12
FUNDING
We will invest $1 M in piloting with 2 M users by 2026.
13
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI.
14
2/15
CONTEXT
Over 2 billion people do not have access to credit.
30% of global adults mainly in Africa, Asia, Latin America, working in informal services, micro-business & agriculture cannot access credit.
3/15
PROBLEM
Legacy data is limited in its ability to assess credit risk.
Credit risk is assessed using costly legacy technologies and outdated processes making it difficult to offer credit to those without credit history.
4/15
SOLUTION
We greatly improve credit scoring with identity wallets.
We connect data in identity wallets to data models that derive meaningful insights to improve credit scores.
5/15
PRODUCT
We offer credit score apps with integrations for banks.
Our B2C app helps users manage credit scores and review the calculation. We also offer widgets and APIs for banks to integrate with credit processing apps.
6/15
DIFFERENTIATION
We maximize income for lenders using identity data.
Legacy systems use data to reduce risk in offering credit to users. We use AI models to minimize risk and also expand credit income.
7/15
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
The market for credit interest and fees for those without credit history in 2030 is $63 Bn, with the initial market of $3 Bn in Brazil.
8/15
BUSINESS MODEL
We earn usage fees from lenders and premium users.
We offer a tier based usage fee for Banks starting at $1,000 monthly for 500 credit checks and a $10 monthly subscription for premium end-users.
9/15
COMPETITION
We will lead the market in data use and transparency.
Scoring credit based on data in identity wallets greatly expands the use of data, while also offering the most transparency for users.
10/15
GO-TO-MARKET
We will connect 2 M NossIA users with microlenders.
We will launch Next Credit with 2 million users of NossaIA in Brazil, and the first dashboards will be validated with micro-lenders in regions with the most data.
11/15
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
We will expand to larger lenders in 2026, expand across LATAM in 2027 and then the Global South in 2029 reaching 60 M users and $120 M in sales by 2030.
12/15
FUNDING
We will invest $1 M in piloting with 2M users in 1 year .
We will invest in piloting a MVP with NossaIA's network of 2 M users and acquiring up to 10 regional lending partners over 12 months.
13/15
Reinaldo Pamponet
Jose
PizaniCarlos
FucciRoman Fernandez
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI .
We are former founders with successful exits, and experience in the financial and technology space in Brazil and LATAM.
14/15
What's Next?
Explore a partnership with us or learn more about the team.
15/15
VENTURE PITCH
Next Credit:
Credit Identity for the Global SouthFebruary 2025
SUMMARY
We expand credit access by scoring users with identity data
CONTEXT
Over 2 billion people do not have access to credit.
3
PROBLEM
Legacy data is limited in its ability to assess credit risk.
4
SOLUTION
We greatly improve credit scoring with identity wallets.
5
PRODUCT
We offer credit score apps and integrations for lenders.
6
DIFFERENTIATION
We maximize income for lenders using identity data.
7
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
8
BUSINESS MODEL
We earn usage fees from lenders and premium users.
9
COMPETITION
We will lead the market in data use and transparency.
10
GO-TO-MARKET
We will connect 2 M NossaIA users with micro-lenders.
11
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
12
FUNDING
We will invest $1 M in piloting with 2 M users by 2026.
13
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI.
14
2/15
CONTEXT
Over 2 billion people do not have access to credit.
30% of global adults mainly in Africa, Asia, Latin America, working in informal services, micro-business & agriculture cannot access credit.
3/15
PROBLEM
Legacy data is limited in its ability to assess credit risk.
Credit risk is assessed using costly legacy technologies and outdated processes making it difficult to offer credit to those without credit history.
4/15
SOLUTION
We greatly improve credit scoring with identity wallets.
We connect data in identity wallets to data models that derive meaningful insights to improve credit scores.
5/15
PRODUCT
We offer credit score apps with integrations for banks.
Our B2C app helps users manage credit scores and review the calculation. We also offer widgets and APIs for banks to integrate with credit processing apps.
6/15
DIFFERENTIATION
We maximize income for lenders using identity data.
Legacy systems use data to reduce risk in offering credit to users. We use AI models to minimize risk and also expand credit income.
7/15
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
The market for credit interest and fees for those without credit history in 2030 is $63 Bn, with the initial market of $3 Bn in Brazil.
8/15
BUSINESS MODEL
We earn usage fees from lenders and premium users.
We offer a tier based usage fee for Banks starting at $1,000 monthly for 500 credit checks and a $10 monthly subscription for premium end-users.
9/15
COMPETITION
We will lead the market in data use and transparency.
Scoring credit based on data in identity wallets greatly expands the use of data, while also offering the most transparency for users.
10/15
GO-TO-MARKET
We will connect 2 M NossIA users with microlenders.
We will launch Next Credit with 2 million users of NossaIA in Brazil, and the first dashboards will be validated with micro-lenders in regions with the most data.
11/15
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
We will expand to larger lenders in 2026, expand across LATAM in 2027 and then the Global South in 2029 reaching 60 M users and $120 M in sales by 2030.
12/15
FUNDING
We will invest $1 M in piloting with 2M users in 1 year .
We will invest in piloting a MVP with NossaIA's network of 2 M users and acquiring up to 10 regional lending partners over 12 months.
13/15
Reinaldo Pamponet
Jose
PizaniCarlos
FucciRoman Fernandez
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI .
We are former founders with successful exits, and experience in the financial and technology space in Brazil and LATAM.
14/15
What's Next?
Explore a partnership with us or learn more about the team.
15/15
VENTURE PITCH
Next Credit:
Credit Identity for the Global SouthFebruary 2025
SUMMARY
We expand credit access by scoring users with identity data
CONTEXT
Over 2 billion people do not have access to credit.
3
PROBLEM
Legacy data is limited in its ability to assess credit risk.
4
SOLUTION
We greatly improve credit scoring with identity wallets.
5
PRODUCT
We offer credit score apps and integrations for lenders.
6
DIFFERENTIATION
We maximize income for lenders using identity data.
7
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
8
BUSINESS MODEL
We earn usage fees from lenders and premium users.
9
COMPETITION
We will lead the market in data use and transparency.
10
GO-TO-MARKET
We will connect 2 M NossaIA users with micro-lenders.
11
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
12
FUNDING
We will invest $1 M in piloting with 2 M users by 2026.
13
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI.
14
2/15
CONTEXT
Over 2 billion people do not have access to credit.
30% of global adults mainly in Africa, Asia, Latin America, working in informal services, micro-business & agriculture cannot access credit.
3/15
PROBLEM
Legacy data is limited in its ability to assess credit risk.
Credit risk is assessed using costly legacy technologies and outdated processes making it difficult to offer credit to those without credit history.
4/15
SOLUTION
We greatly improve credit scoring with identity wallets.
We connect data in identity wallets to data models that derive meaningful insights to improve credit scores.
5/15
PRODUCT
We offer credit score apps with integrations for banks.
Our B2C app helps users manage credit scores and review the calculation. We also offer widgets and APIs for banks to integrate with credit processing apps.
6/15
DIFFERENTIATION
We maximize income for lenders using identity data.
Legacy systems use data to reduce risk in offering credit to users. We use AI models to minimize risk and also expand credit income.
7/15
MARKET
Our 2030 market is $63 Bn with initial $3 Bn in Brazil.
The market for credit interest and fees for those without credit history in 2030 is $63 Bn, with the initial market of $3 Bn in Brazil.
8/15
BUSINESS MODEL
We earn usage fees from lenders and premium users.
We offer a tier based usage fee for Banks starting at $1,000 monthly for 500 credit checks and a $10 monthly subscription for premium end-users.
9/15
COMPETITION
We will lead the market in data use and transparency.
Scoring credit based on data in identity wallets greatly expands the use of data, while also offering the most transparency for users.
10/15
GO-TO-MARKET
We will connect 2 M NossIA users with microlenders.
We will launch Next Credit with 2 million users of NossaIA in Brazil, and the first dashboards will be validated with micro-lenders in regions with the most data.
11/15
FINANCIALS
We will scale to 60 M users and $120 M sales by 2029.
We will expand to larger lenders in 2026, expand across LATAM in 2027 and then the Global South in 2029 reaching 60 M users and $120 M in sales by 2030.
12/15
FUNDING
We will invest $1 M in piloting with 2M users in 1 year .
We will invest in piloting a MVP with NossaIA's network of 2 M users and acquiring up to 10 regional lending partners over 12 months.
13/15
Reinaldo Pamponet
Jose
PizaniCarlos
FucciRoman Fernandez
TEAM
Next Credit is built by founders of ItsNoon & Karrera.AI .
We are former founders with successful exits, and experience in the financial and technology space in Brazil and LATAM.
14/15
What's Next?
Explore a partnership with us or learn more about the team.
15/15