As it accelerates growth and doubles down on technology as a product differentiator, Asaas, one of the most complete financial and operational platforms for businesses in Brazil, has built a robust corporate AI strategy focused on scaling with governance. Today, roughly 30% of the company’s source code involves AI-generated content, signaling that the practice has become a standard part of its development workflow. For complex business analysis and process resolution, AI has boosted team productivity by approximately 30%.
Beyond code generation, Asaas has been expanding AI across its internal engineering workflows. The company has structured AI use to support activities throughout the development cycle, with controlled access to context, guidelines, and the information needed to execute tasks more consistently and securely. This approach supports everything from interpreting requirements to preparing deliverables for review, always with human oversight at critical decision points. The result is not just faster delivery, but greater standardization, quality, and predictability in software development.
“In practice, automated reviews have helped improve development efficiency, supporting the identification of potential failures and verifying adherence to established technical standards,” said Fernando Chagas, CTO of Asaas. “More than speeding up delivery, our focus is on embedding AI in a structured way into our engineering process, strengthening quality, security, and team routines. In an increasingly competitive financial environment, adopting new technologies is essential and it needs to be tied to execution, governance, and customer experience. That’s the lens through which Asaas is expanding AI across its processes, and we’ll keep pushing this forward.”
Beyond engineering, Asaas is also scaling AI in strategic business areas. Key use cases include automation in credit operations with AI reading and interpreting collateral documents for accounts receivable financing, and the development of proprietary fraud prevention models capable of real-time risk assessment and cash-out transaction analysis.
Brazil’s company infrastructure: a fitting backdrop
Brazil’s financial landscape has undergone a significant transformation in recent years. The rise of Pix, the country’s instant payment system, and the expansion of open finance, which had surpassed 16.5 million active users by February 2026, have dramatically reduced friction in payments, collections and reconciliation. Brazil is now widely cited as one of the world’s most advanced markets in digital financial infrastructure, combining scale, regulatory sophistication, and rapid technology adoption.
AI Gateway: scaling with governance
To ensure safe, standardized AI adoption across the organization, Asaas built a proprietary corporate AI platform called the AI Gateway. The platform provides a unified access layer to multiple third-party and internal models, designed to prevent vendor lock-in and allow teams to select the most appropriate model for each use case at any time. The architecture also includes fallback mechanisms to maintain continuity in critical applications when a provider experiences downtime.
“The platform includes ready-to-use knowledge bases that allow teams to contextualize tasks and responses with internal information in a controlled, auditable, and access-policy-aligned manner,” Chagas said. “This enables both conversational experiences and automations, while maintaining traceability and consistency in how knowledge is applied across the organization.”
To drive adoption, Asaas also offers employees a corporate chat interface connected to the AI Gateway, lowering the barrier to experimentation and productivity gains. The interface allows individuals and teams to build custom AI assistants tailored to their specific workflows.
The same AI Gateway infrastructure powers the company’s automation tools and integrations with internal systems, enabling AI to move beyond the chat window and into actual processes, routines, and operational decisions, all with embedded security, compliance and governance controls.
AI in credit decisioning
Asaas has also developed proprietary AI solutions for core business processes. One standout example is the automated processing of collateral documents in accounts receivable financing, a credit product in which the company advances funds against future receivables, using those receivables as collateral. Historically, the process was slow and heavily manual, compounded by documents arriving in heterogeneous, hard-to-parse formats.
Asaas’s solution automates the bulk of this workflow: reading and interpreting documents, extracting relevant data, generating analyst summaries, and automatically validating expected versus found fields. The model operates with a human-in-the-loop design. AI organizes and prepares the analysis, but the final decision remains with the analyst, preserving accuracy and regulatory compliance.
The impact is already measurable: analysts involved in the process have seen roughly 30% productivity gains. The service continues to evolve, with further improvements expected in upcoming cycles. The team is also building a credit risk and delinquency prediction model, expected to enter beta in the second quarter of this year.
Fraud prevention
Asaas is investing in proprietary AI models for fraud prevention, a strategic priority as digital transaction volumes grow and fraud attempts become increasingly sophisticated. Current initiatives include account-level fraud risk scoring and real-time analysis of cash-out transactions, two of the most operationally sensitive steps in the payment chain.
“With these systems identifying suspicious patterns, we’re strengthening our ability to prevent financial losses and protect the integrity of our operations,” Chagas said. “That reinforces the trust our growing customer base places in Asaas.”
A dedicated team driving adoption
To sustain consistent AI adoption, Asaas maintains a dedicated AI Enablement team responsible for expanding AI knowledge and usage across the organization. The team acts as a bridge between technology, product, and operations providing infrastructure, tooling, and specialized technical support so different teams can experiment with and integrate AI in alignment with the company’s security and governance standards.
On the engineering side, the AI Tools team is responsible for evolving, structuring, and standardizing AI use in software development. This marked a transition from an exploratory phase, where individual developers experimented independently, to a more mature model featuring specialized agents trained on the company’s codebase and a curated set of tools ready for teams to use safely and consistently day to day.
Asaas is currently preparing for an IPO in the coming years. The company serves over 260,000 customers and has raised more than R$1 billion (approximately $200 million) over its lifetime, backed by investors including BOND Capital, SoftBank and Vivo Ventures, . Its target market, small and medium-sized businesses, represents roughly 99% of all companies in Brazil alone.
About Asaas
Asaas is one of the most complete financial and operational platforms for businesses in Brazil, centralizing and automating processes such as billing, payments, cash flow management, and other services that simplify business operations. The company offers robust technology and API integrations and also operates as a financial institution. In addition to raising over R$1 billion from investors, Asaas has extended more than R$170 million in receivables financing to Brazilian SMEs.
