Credit grows.
Delinquency follows.
Credit fintechs scale portfolios faster than they can structure collections. Dyvit solves this with an AI agent that operates from day one. No hiring, no training, no call center.
Average increase in recovery rate
Cost per contact vs R$65+ at call centers
First overdue contract contacted
Native integration with credit core
What keeps fintechs up at night
Accelerated growth creates delinquency faster than the collection structure can keep up. That is the gap Dyvit closes.
Most fintechs can only contact debtors at D+30 or D+60, when the propensity to pay has already dropped by half. Every day of delay reduces the recovery rate.
In early stages, structuring a collection operation can consume 40-60% of net delinquency revenue. It makes the collection unit unviable before it even exists.
Recovering a debtor costs 3.2x more than retaining a performing customer. Fintechs that don't automate collections lose both: money and relationships.
Scale collections without scaling headcount
Dyvit was built for fast-growing fintechs. API integration in hours, same-day outreach, ROI in 30 days.
Set a rule: "contract overdue by 1 day, trigger outreach." The agent executes automatically. Your team focuses on credit, not collections.
Native connectors for major fintech credit cores. Complete documentation, sandbox available, go-live without involving data engineering.
Model trained on Brazilian fintech collection data. Prioritizes debtors with the highest likelihood of payment, reducing cost per R$ recovered.
99% of Brazilians use WhatsApp. Dyvit opens conversations where the debtor already is, in natural Portuguese, without robotic scripts.
Regulation as a competitive advantage
For fintechs with supervised credit models, compliance is not a detail. It is a prerequisite to operate. Dyvit treats it as a product, not an add-on.
Compliance with BACEN regulations for credit collection. Automatic reports for your compliance officer.
Opt-out, portability, and deletion built in. Data stored in certified Brazilian datacenters.
Zero coercion, zero harassment. Empathetic tone calibrated by credit product and debtor profile.
Open Finance integration to enrich debtor profiles and automatically calibrate settlement proposals.
From overdue contract to confirmed Pix
The complete autonomous collection flow. From first outreach to cash, without your team lifting a finger.
Numbers that matter
"Dyvit did what our credit team couldn't: contact 100% of the overdue portfolio on D+1, without hiring anyone. In 45 days of operation, we recovered R$2.1M that would have been written off."
Dyvit vs traditional operations
A direct comparison of the metrics your finance team will want to see before approving the project.
Other solutions
Collections for
fintechs
Book a demo and see how Dyvit can transform your company's receivables recovery.