Brazilian fintech startup Decade has emerged from stealth with an $85 million seed funding round, marking the largest seed investment ever raised by a Latin American startup. Backed by Greenoaks, Benchmark, and Diffusion, the company aims to redefine wealth management by combining artificial intelligence with human financial advisors to deliver personalized investment guidance at scale.

Decade, an AI-native wealth advisory startup based in Brazil, has secured $85 million in seed funding, setting a new record for the largest seed round raised by a Latin American startup. The investment, led by Greenoaks, Benchmark, and Diffusion, underscores growing investor confidence in artificial intelligence as the next major driver of innovation in wealth management and financial advisory services.

Rather than entering the increasingly crowded digital banking or brokerage market, Decade is positioning itself as an AI-powered wealth advisory platform designed to help individuals make better long-term financial decisions. The company combines proprietary AI models with experienced human financial advisors, aiming to deliver a level of personalized financial planning traditionally available only to high-net-worth individuals.

The startup was founded by Vitor Olivier, one of Nubank’s earliest engineers and former Chief Technology Officer, alongside Felipe Meneses, founder of AI company Hyperplane, which was later acquired by Nubank. Together, the founders previously led several large-scale artificial intelligence initiatives at Latin America’s largest digital bank, bringing extensive experience in financial infrastructure and AI development.

Decade’s platform is designed to create a continuous financial advisory experience. Its AI analyzes a customer’s complete financial profile, including spending habits, investment portfolios, and financial objectives, while maintaining historical context from previous interactions. Human advisors work alongside the AI, providing strategic judgment, relationship management, and oversight that complements machine-driven analysis.

The company believes this hybrid model addresses one of the biggest challenges facing personal finance: the complexity of managing wealth across multiple financial products and institutions. Instead of requiring customers to actively monitor investments, savings, and market developments, Decade’s AI continuously evaluates financial positions and identifies opportunities aligned with individual goals.

The timing reflects broader changes occurring across Brazil’s financial ecosystem. Over the past decade, the country has emerged as one of the world’s most active fintech markets through initiatives such as the Pix instant payments system and Open Finance, both of which have expanded digital financial access and data portability. Despite these advances, investment adoption remains relatively limited, leaving significant room for wealth management platforms that can simplify financial decision-making.

The emergence of AI-native advisory firms also reflects changing competitive dynamics within financial services. Traditional wealth management has historically relied on large teams of advisors serving affluent clients, creating high operating costs and limiting access for the broader population. Advances in large language models and AI agents are enabling firms to automate much of the analytical work while allowing human advisors to focus on complex financial planning and client relationships.

Large technology companies, including Microsoft, Google, Amazon, Salesforce, and Adobe, have accelerated investments in enterprise AI technologies over the past two years, supporting broader adoption of intelligent automation across industries. Financial services companies are increasingly leveraging these technologies to improve customer service, risk analysis, compliance monitoring, and personalized financial recommendations.

For Brazil’s fintech ecosystem, Decade’s funding round represents more than a financing milestone. It highlights growing international investor appetite for startups developing AI-first financial infrastructure capable of addressing underserved segments of the market. The involvement of prominent venture capital firms also signals confidence in Latin America’s ability to produce globally competitive AI companies beyond digital banking.

As AI continues transforming financial services, wealth management is emerging as one of the sectors with the greatest potential for disruption. By combining continuous AI-powered financial analysis with professional advisory expertise, Decade is seeking to establish a new category within digital wealth management, one that could broaden access to sophisticated financial planning while lowering the costs traditionally associated with personalized investment advice.

Top Insights

  • Decade raised a record $85 million seed round, making it the largest seed investment ever secured by a Latin American startup.
  • The fintech combines AI agents with human advisors to deliver personalized wealth management previously reserved for high-net-worth individuals.
  • Founded by former Nubank executives, Decade leverages deep expertise in banking infrastructure and artificial intelligence to modernize financial advisory services.
  • Brazil’s mature fintech ecosystem, supported by Pix and Open Finance, provides a strong foundation for AI-driven wealth management innovation.
  • The funding reflects growing investor confidence in AI-native financial services that can expand access to professional investment guidance at scale.

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Source: Decade