# Banco Original

> Source: https://docs.barcoder.ai/docs/wallets/banco-original
> research date 2026-05-29 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Banco Original — official](https://www.bancooriginal.com.br/)

## Overview

**Banco Original** is **Brazil's claim to first 100% digital bank in Latin America**, founded **2011** via merger of **Banco JBS + Banco Matone** <sup>[1][1], [2][2], [Brazil report](https://docs.barcoder.ai/docs/payments/BR)</sup>. Owned by **J&F Group** (Batista family — also owns JBS world's largest meat producer + [PicPay](https://docs.barcoder.ai/docs/wallets/picpay)), Banco Original offers **digital banking services for individuals + corporate clients** with **specialized agribusiness-sector services** distinguishing it from mass-consumer digital peers.

**2025 milestone**: Banco Original **went live with new treasury management system (OpenLink's Findur)** — implementation completed in 10 months; serves as bank's new cross-asset + treasury solution integrated with internet banking.

## History

**2011 — Banco Original founded** via merger of **Banco JBS + Banco Matone** <sup>[2][2]</sup>: Brazil's first claim to 100% digital bank in Latin America.

**2012-2017 — Digital-only banking development** + corporate-agribusiness focus <sup>[2][2]</sup>.

**2018-2020 — Personal banking expansion** <sup>[2][2]</sup>.

**2025 — OpenLink's Findur treasury management system go-live** <sup>[1][1]</sup>: New cross-asset + treasury solution.

## Ownership & operator

**Operating entity**: **Banco Original** — Brazilian bank.

**Parent**: **J&F Group** (Batista family) — same conglomerate that owns **JBS** (world's largest meat producer) + **[PicPay](https://docs.barcoder.ai/docs/wallets/picpay)** (65.6M-customer Brazilian P2P super-app) + Eldorado Brasil pulp + others.

**Regulator**: **Banco Central do Brasil (BCB)** — full Brazilian banking license.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Banco Original mobile app (iOS + Android) + Banco Original web |
| **Identifiers** | CPF + email + phone + card |
| **Brazilian rail** | **[Pix](https://docs.barcoder.ai/docs/standards/pix)** |
| **Sub-products** | Original Conta (retail account) + Original Pessoa Jurídica (corporate) + agribusiness-specialized lending + treasury management (post-OpenLink Findur 2025) |
| **Treasury system (2025)** | **OpenLink's Findur** — cross-asset + treasury solution integrated with internet banking |

## Users & growth

Specific 2025 user-count + transaction-volume data less prominently reported than Nubank / Banco Inter / PicPay. Banco Original positions as **first 100% digital bank in Latin America (2011)** but has been overtaken in customer count by post-2018 neobank wave.

## Use cases

Brazilian retail digital banking; Pix transfers; corporate banking (Pessoa Jurídica); agribusiness specialized lending (distinctive Brazilian use case); treasury management (post-2025 OpenLink Findur).

## Implementations & partners

**Operator**: **Banco Original** (J&F Group subsidiary).

**Parent**: **J&F Group** (Batista family; also owns JBS + [PicPay](https://docs.barcoder.ai/docs/wallets/picpay) + Eldorado Brasil + others).

**Treasury system partner (2025)**: **OpenLink (Findur)**.

**Major Brazilian competitors**: **[Nubank](https://docs.barcoder.ai/docs/wallets/nubank)** (110M BR customers), **[Banco Inter (Inter&Co)](https://docs.barcoder.ai/docs/wallets/banco-inter)** (40M Q2 2025), **[PicPay](https://docs.barcoder.ai/docs/wallets/picpay)** (65.6M; sister J&F product), **C6 Bank** (25M; JPMorgan 46%), traditional Brazilian banks (Itaú + Bradesco + Santander BR).

**Regulator**: **BCB**.

## Fun facts

- **2011 founded via Banco JBS + Banco Matone merger** — **claims first 100% digital bank in Latin America**.
- **J&F Group parent (Batista family)** — same conglomerate owns **JBS world's largest meat producer + [PicPay](https://docs.barcoder.ai/docs/wallets/picpay) (65.6M-customer Brazilian P2P super-app)**.
- **Agribusiness-specialized lending** — distinctive Brazilian-corporate-banking focus vs mass-consumer neobank peers.
- **2025 OpenLink Findur treasury system go-live** — 10-month implementation; cross-asset + treasury solution.
- **Sister product PicPay**: J&F Group owns both Banco Original (digital bank) + PicPay (P2P super-app).
- **Overtaken in customer count** by post-2018 Brazilian neobank wave (Nubank, Inter, C6 Bank, PicPay).

## Comparison

| Feature | Banco Original | [Nubank](https://docs.barcoder.ai/docs/wallets/nubank) | [Banco Inter (Inter&Co)](https://docs.barcoder.ai/docs/wallets/banco-inter) | [PicPay](https://docs.barcoder.ai/docs/wallets/picpay) | C6 Bank |
|---|---|---|---|---|---|
| Operator | **Banco Original (J&F Group, Batista family)** | Nu Holdings Ltd (NYSE: NU) | Inter&Co (NASDAQ INTR + B3 INTR) | J&F Investimentos subsidiary | C6 Bank (JPMorgan 46%) |
| Type | **First 100% digital LATAM bank (2011) + agribusiness focus** | LATAM neobank | Multi-product digital bank | P2P super-app (J&F sister) | Wealthier-client digital bank |
| Founded | **2011** | 2013 | 1994 (digital pivot 2014-17) | 2012 | 2019 |
| Customers | n/a (less prominent) | 131M (110M BR) | 40M Q2 2025 | 65.6M | 25M |
| Ownership | **J&F Group (private; Batista family)** | NYSE-listed | NASDAQ + B3 listed | J&F Group (Batista family) | JPMorgan 46% + private |
| Distinctive | **First 100% digital LATAM bank + agribusiness lending + sister to PicPay** | Roxo no-fee credit card heritage + LATAM expansion | Multi-product + Global Account | J&F family + Pix-early-mover | JPMorgan 46% + wealthier-client focus |

## Status

**Active, Brazilian first-100%-digital-LATAM-bank + J&F Group subsidiary** <sup>[1][1], [2][2]</sup>:
- **Banco Original** (J&F Group / Batista family).
- **2011 founded via Banco JBS + Banco Matone merger** — first 100% digital bank in Latin America claim.
- **2025 OpenLink Findur treasury management system go-live**.
- **Distinctive agribusiness lending focus + sister to PicPay (J&F Group)**.

## Sources

[1]: https://www.fintechfutures.com/digital-banking/brazil-based-digital-bank-banco-original-live-with-new-treasury-tech "Banco Original treasury tech — Fintech Futures"
[2]: https://www.bancooriginal.com.br/ "Banco Original — official"
[3]: https://www.metait.us/cases/banco-original/ "Banco Original Agile Transformation — Meta"
[4]: https://brazilstockguide.com/insights/brazil-top-10-banks-fintechs-2025/ "BR top 10 banks + fintechs 2025 — Brazil Stock Guide"
[br-cro]: https://docs.barcoder.ai/docs/payments/BR
[pix-cro]: https://docs.barcoder.ai/source/standards/pix

- [1] [Banco Original treasury tech — Fintech Futures][1]
- [2] [Banco Original — official][2]
- [3] [Banco Original Agile Transformation — Meta][3]
- [4] [BR top 10 banks + fintechs 2025 — Brazil Stock Guide][4]
- <sup>[Brazil report](https://docs.barcoder.ai/docs/payments/BR)</sup> In-corpus: `reports/countries/BR-brazil.md`
- [pix-cro] In-corpus: `reports/standards/pix.md`

## Source

Biography extracted from [banco-original.md](https://docs.barcoder.ai/source/wallets/banco-original). See `matrix.md` for standards-support matrix if present.