Decade
Category: AI in Fintech
AI-native wealth advisory platform combining human advisors with proprietary AI to democratize wealth management in Brazil. Decade was founded in 2025. The company is led by Vitor Olivier. Based in São Paulo, Brazil. Team size: 11-50. Total funding raised: $85M. Latest round: Seed. Key investors include Greenoaks, Benchmark, Diffusion, Atlantico, Norte Ventures.
- Founded
- 2025
- Headquarters
- São Paulo, Brazil
- Team size
- 11-50
- Total funding
- $85M
Value proposition
Pairs each client with a senior human advisor and a proprietary AI model that holds their full financial picture and remembers every conversation, monitoring spending and portfolios 24/7 via Open Finance — bringing ultra-wealth-level attention to everyday investors.
Products and solutions
Decade Intelligence (R$200/mo subscription: dedicated advisor + AI, Open Finance consolidation, portfolio diagnostics, 24/7 monitoring, simulations), Decade Wealth (by-invitation full advisory including execution, tax guidance, offshore structures, real estate).
Unique value
"Wealth Intelligence" — a human-plus-AI model where the AI holds the client's complete financial picture and conversation history, collapsing the information asymmetry that traditional commission-based advisors monetize.
Target customer
Brazilian retail investors and savers (the ~2/3 of Brazilians who hold no investments), from mass-affluent to high-net-worth individuals.
Industries served
Wealth management / financial advisory (fintech)
Technology advantage
Proprietary AI built specifically for investing, factoring in real-time market data and full conversation history; Open Finance consolidation; 100% fee-aligned pricing (no commissions, no hidden fees, no biased suggestions).
How they differentiate
Unlike pure robo-advisors, Decade combines a dedicated senior human advisor with a proprietary AI that holds the client's full financial picture and remembers every conversation — a human-plus-AI model, with 100% fee-aligned pricing and no commissions.
Main competitors
Warren, Nubank Invest, XP Investimentos, traditional robo-advisors
Key partnerships
Open Finance (Brazil open banking), Integrations with BTG Pactual, XP Investimentos, Genial, and C6 (account/portfolio connectivity)
Major milestones
Raised $85M seed (Sept 2025) — largest seed round in Latin American history, emerged from stealth and launched publicly August 4, 2026.
Growth metrics
Emerged from stealth Aug 4, 2026 after ~5–6 months private beta; public waitlist; ~26 employees; experimental AUM of several billion BRL with founder-adjacent clients; product in beta (not mass-scale).
Market positioning
Aims to democratize wealth management in Brazil, targeting the large underserved population (only ~33% of Brazilians hold investments, 7% can retire on savings), backed by the largest seed round in Latin American history.
Geographic focus
Brazil (São Paulo headquarters, with a San Francisco presence)
About Vitor Olivier
Ex-Nubank CTO (early engineer, built NuConta, led Brazil business and Operations before becoming CTO); earlier worked in Wealth Management at BTG; Duke University degree.
Latest news about Decade
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Official website: https://decade.com/