← All ideas IDEA-085 5.5 br personal-money emerging

Sua carteira completa em uma tela — e o IRPF pronto em 30 minutos, não 3 fins-de-semana

Problem

Tenho conta em 5 corretoras (XP, Rico, BTG, Inter, Nubank) + Tesouro Direto + cripto + investimentos no exterior, e nenhum agregador (TradeMap, B3, Gorila, Kinvo) puxa tudo. Em março/abril passo fins-de-semana inteiros calculando DARF e separando isento/tributável manualmente para o IRPF.

Audience

Brazilian retail investors aged 30-55 who hold positions across 4+ brokers (typical XP/Rico/BTG/Inter/Nubank stack) plus Tesouro Direto, FII, cripto and foreign holdings — a meaningful subset of the 10M+ B3 CPFs, especially those with FII dividends, exterior or BTC who face triple-treatment IRPF every March-April.

Reasoning

Source signals

SIG-20260426-br-personal-money-consolidar-5-corretoras: "Tenho conta em 5 corretoras... Tentei pela TradeMap, B3, gorila e kinvo. Alguma outra ideia?"
SIG-20260426-br-personal-money-imposto-renda-irpf-multi-corretora: "Cada março-abril retail brasileiros проходят ад: per-broker IRPF reporting, DARF calculation"
SIG-20260426-br-personal-money-15-contas-15-logins-stress: "15 accounts to login to each time I want to check our finances"

What we ship

**Core features (MVP)**

Open Finance Brasil connection (Belvo or Pluggy SDK) — Nubank, Inter, XP, Rico, BTG, Itaú, Bradesco one-tap
Manual entry for non-API holdings: CRA/CRI/LCI, Tesouro Direto detail, BTC/ETH, FII off-B3, foreign brokerage (Avenue, Stake)
Daily quote sync: B3 (equities/FII), CoinGecko (crypto), OpenExchangeRates (USD/EUR)
Portfolio metrics: TWR, IRR, asset-class breakdown, FGC-cap warning per institution
**IRPF mode (March-April)**: parses informe-de-rendimentos PDFs from each broker via Claude Vision, calculates monthly DARF for stock sales > R$20K, exports .DEC file directly importable into IRPF Web

**Primary user flow**

1. Landing "Sua carteira em uma tela" — CTA "Conectar minha primeira corretora grátis"

2. Open Finance OAuth — 2 minutes connects all banks

3. Dashboard: total patrimônio R$X, asset-class breakdown, YTD return

4. Pricing trigger: March appears "IRPF mode" — R$49 for season or R$19/mo annual

**What it looks like**

**Landing page**: hero "Pare de planilhar IRPF" + dashboard screenshot + Pix-frictionless trial CTA
**Main app screen**: stacked-bar chart by asset class, sortable position list with "tributável/isento" column
**Output / notification**: PDF informe for contador + .DEC file for IRPF Web + WhatsApp DARF reminders

**MVP build plan (12 days)**

Day 1-3: backend, schema (User, Broker, Position, Transaction), JWT auth, Open Finance OAuth
Day 4-7: Belvo/Pluggy integration, informe parsing for top-5 brokers via Claude Vision, manual entry for CRA/CRI/cripto/exterior
Day 8-10: DARF calculator, .DEC export, Stripe + Pix subscription via Asaas
Day 11-12: PT-BR landing, deploy Cloudflare Pages + Railway, Reddit r/investimentos launch

Reasoning

This is the most stubborn RECURRING complaint on r/investimentos — the user explicitly listed 4 leading competitors (TradeMap, Gorila, Kinvo, Open Finance via XP) and said "none of them work". The pain is amplified by BR's FGC R$250K-per-institution cap which structurally forces diversification across 3-5 brokers. Existing tools (Grana Capital, myProfit) focus on bolsa-only IRPF and don't cover exterior/crypto/CRA-CRI-LCI. Buildable in 1.5-2 weeks: Belvo/Pluggy ship Open Finance SDKs, informe parsing is solved by Claude Vision, the rest is standard CRUD. Seasonal revenue model (60% of yearly revenue in March-April IRPF spike), smoothed by portfolio-tracker subscription year-round.

Quick competitive read

Market density: HIGH (5 active, well-funded competitors) but the wedge is defensible — NO competitor combines Open Finance Brasil + full multi-asset coverage + IRPF .DEC export.

**Grana Capital** ([CMP-085-grana-capital](../competitors/CMP-085-grana-capital.md)) — R$89-149/yr Plus, ~350K MAU, founded 2018. Bolsa-only IRPF helper via CSV/PDF informe import. No Open Finance, no exterior, no crypto, no CRA/CRI/LCI. Seasonal (70% revenue Mar-May). Wedge: multi-asset coverage + one-tap aggregation.
**myProfit** ([CMP-085-myprofit](../competitors/CMP-085-myprofit.md)) — R$19.90/mo Pro, ~180K MAU, founded 2020. Closest scope match: multi-asset incl. exterior+crypto. BUT no Open Finance, manual CSV, no .DEC export, App Store rating slipping (4.2→3.8 Q1 2026). Wedge: Open Finance + Claude Vision parsing + .DEC + modern UX at identical price.
**Kinvo** ([CMP-085-kinvo](../competitors/CMP-085-kinvo.md)) — R$14.90-29.90/mo, ~1.2M MAU, Wave-acquired 2024. Explicitly excluded IRPF from 2026 roadmap (per March product update). Wedge: IRPF + multi-asset gap they vacated structurally.
**TradeMap** ([CMP-085-trademap](../competitors/CMP-085-trademap.md)) — R$24.90/mo, ~800K MAU, Series-A funded 2024. Trader-experience (social/real-time), different ICP. No IRPF in roadmap. Tangential; main risk is their marketing budget at our launch.
**B3 Investidor** ([CMP-085-b3-investidor](../competitors/CMP-085-b3-investidor.md)) — free, ~2.5M MAU, exchange-owned. Cannot build IRPF helper due to CVM scope (B3 = exchange + clearing, not advisor). Structurally vacant gap = defensible moat.

White-space confirmed: **Open Finance Brasil + multi-asset (B3 bolsa + FII + crypto + exterior brokerage + CRA/CRI/LCI + Tesouro Direto) + IRPF .DEC direct export** — no competitor offers all four. Competitive pressure: revising from 4/10 to **6/10** (denser than initial scan suggested) but wedge defensibility remains strong because: (a) Kinvo and B3 are structurally locked out, (b) Grana and myProfit are stuck on legacy CSV import, (c) TradeMap's ICP is orthogonal.

Initial pricing hypothesis

Freemium: free 1-broker tier, R$19.90/mo for unlimited brokers + IRPF mode. Seasonal alternative: R$49 one-time IRPF-only flow in March-April. ARPU R$120-200/year — fits tier emerging avg_subscription_willingness.

Distribution hypothesis

SEO in March-April ("como declarar FII no IRPF", "DARF calculadora multi-corretora") + Reddit r/investimentos and r/financaspessoais launch posts with dashboard screenshots + influencer marketing (Bruno Perini, Eu Quero Investir, EconoMirna on YouTube finance) + ProductHunt launch for foreign-investor anglophone cohort.

Source signals (3)

SIG-20260426-br-personal-money-15-contas-15-logins-stress:
SIG-20260426-br-personal-money-consolidar-5-corretoras:
SIG-20260426-br-personal-money-imposto-renda-irpf-multi-corretora:

Score breakdown

market_size	5/10
pain_severity	6/10
build_feasibility	5/10
speed_to_revenue	6/10
regulatory_safety	8/10
competitive_pressure	3/10
recurring_revenue_fit	8/10

MVP stack

frontend	Cloudflare Pages + React + Tailwind
backend	Railway + FastAPI + Postgres
ai	Claude Sonnet 4.6 via API (informe-de-rendimentos PDF parsing)
payments	Stripe Subscriptions + Pix via Asaas (BR-mandatory)
storage	Postgres + R2 (informe PDFs)
external_integrations	['Open Finance Brasil (Belvo or Pluggy)', 'B3 CEI/Investidor API', 'CoinGecko (cripto pricing)', 'OpenExchangeRates (USD/BRL exterior)']

Estimated build: 12 days

Regulatory

clean

No hard disqualifier match: this is an informational portfolio aggregator + IRPF helper. NOT a neobank, NOT custody, NOT KYC fintech (D-005 does not apply — we don't move money or hold balances). NOT PCI-DSS exposure (D-002 N/A — Stripe/Asaas vault all card data). NOT GDPR special-cat (D-003 N/A — no biometric/health/political data; LGPD applies as standard data protection, not Art.9-equivalent special category). No soft block from SB-001/002/003/004 fits literally. Region-specific advisory (BR — REQUIRED build-stage compliance, not disqualifiers): 1. LGPD (Lei Geral de Proteção de Dados, Lei 13.709/2018) — financial data is sensitive personal data. Required: explicit consent flow, encrypted at rest (Postgres TDE or column-level), data residency in BR or LGPD-compatible jurisdiction (DPO appointment if >1000 users), DPIA before launch, data deletion endpoint within 15 days of request. ANPD enforcement active since 2023. 2. CVM (Comissão de Valores Mobiliários) — we are NOT registered as agente autônomo de investimento or consultor de valores mobiliários (CVM Resolução 178/2023). MUST display permanent disclaimer in PT-BR: "Esta plataforma fornece informações para fins meramente educacionais e organizacionais. Não constitui recomendação de investimento, análise ou consultoria. Consulte um profissional qualificado registrado na CVM." Place on landing, every dashboard page footer, and any output PDF/email. Avoid: "buy/sell suggestions", "this stock will go up", any predictive language. Safe: aggregation, calculation, visualization, notification. 3. Pix mandatory (BCB Resolução BCB 1/2018 + 264/2022) — for any subscription billing in BR, Pix MUST be offered alongside card. Stripe Brazil supports Pix as of 2024 BUT the IDEA stack already specifies Asaas for Pix — keep both. Pure Stripe-only billing = non-compliant. 4. Open Finance Brasil (BCB Resolução BCB 32/2020 + Joint Resolution 1/2020) — official aggregation channel. Belvo and Pluggy are both certified Initiator/Aggregator participants — use them, do NOT scrape broker portals (would violate ToS + run afoul of BCB rules). Consent must be re-affirmed every 12 months (Open Finance rule), token expiry must be handled gracefully. 5. IRPF helper / tax-advice exposure — calculation tools are permitted IF positioned as "ferramenta auxiliar de cálculo" not "consultoria fiscal". MUST display: "Os valores e relatórios são gerados automaticamente e podem conter erros. Consulte um contador antes de transmitir sua declaração." On every DARF output, .DEC export, and PDF report. Class action risk if user under-reports based on our tool — disclaimer must be unmissable. 6. Bilingual disclaimer: i18n.ru must mirror PT-BR disclaimers in Russian for any RU-speaking user-base ("Это инструмент справочного характера, не является налоговой или инвестиционной консультацией; перед подачей декларации проконсультируйтесь с бухгалтером"). Build-stage actions: (a) draft Termos de Uso + Política de Privacidade with LGPD-compliant template before MVP launch; (b) appoint DPO (can be founder for <1000 users) and publish contact email; (c) integrate ANPD breach-notification flow (72h disclosure); (d) audit Belvo/Pluggy DPA contracts before consent UX shipped; (e) test .DEC file for IRPF Web compatibility against actual 2026 schema (Receita Federal updates yearly).

Competitors (5)

Grana Capital — R$89/yr Plus (IRPF), R$149/yr Premium
Bolsa-only IRPF helper via CSV/PDF import; no Open Finance, no exterior, no crypto, no CRA/CRI/LCI. We win on multi-asset coverage + one-tap aggregation.
myProfit — R$19.90/mo Pro, R$199/yr
Closest scope match (multi-asset incl. exterior + crypto) BUT no Open Finance, manual CSV import, no .DEC export, slipping App Store ratings. We win on UX + Open Finance + .DEC + Claude Vision parsing.
Kinvo (by Wave Investimentos) — R$14.90/mo Plus, R$29.90/mo Premium
Largest BR aggregator (~1.2M MAU) but Wave-acquired and pivoted away from IRPF. They explicitly excluded IRPF from 2026 roadmap. We own the IRPF + multi-asset gap they vacated.
TradeMap — R$24.90/mo Pro
Trader-experience (social, real-time charts, news) — different ICP than ours (passive multi-broker investor). No IRPF, no exterior, no crypto. Tangential competitor; main risk is Series-A marketing budget.
B3 Investidor — Free (B3-subsidized)
Official exchange portal — shows B3-only data. Cannot build IRPF helper due to CVM regulatory scope (B3 is exchange + clearing, not advisor). Structurally vacant gap = our defensible moat.