Tilt Acquires Blipay, Bringing Its Proven International Credit Model to Brazil

Brazilian salary-advance lender adds 6 million users and marks Tilt’s fourth market entry outside the United States

Tilt, a leader in cash flow underwriting and a pioneer in financial product innovations for nonprime consumers, announced that it has completed its acquisition of Blipay, a Brazilian salary-advance lender with more than 6 million registered users. The deal gives Tilt an immediate presence in Latin America’s largest consumer credit market, and marks the company’s fourth market entry outside the United States, following Mexico, the Philippines, and India.

Tilt products are built for the millions of people who are often underestimated by traditional lenders—those earning steadily and managing expenses responsibly, but whose credit history is recovering, limited, or still in the making. Instead of relying only on credit scores, Tilt products use real-time cash flow and alternative data to more precisely assess an individual’s financial situation, providing liquidity access to 3 in 4 consumers.

Since launching internationally and achieving profitability in 2022, Tilt has successfully replicated its international playbook across multiple markets. Brazil is the next chapter: shaped by Pix (the instant payment rail used by 90% of the population) and home to roughly 100 million people underserved by traditional banks, it represents an enormous opportunity for expanding access to fair credit. Blipay was built for exactly this market: using open banking data and Pix disbursements to extend credit to customers that traditional lenders have left behind, mirroring Tilt’s mission and approach.

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“The underwriting advantage we’ve built isn’t market-specific: it’s a moat that compounds every time we enter a new geography,” said Warren Hogarth, co-founder and C.E.O of Tilt. “Blipay is mission-aligned and proven it can serve customers traditional lenders have left behind. We’re bringing our global infrastructure and everything we’ve learned in Mexico, the Philippines, and India to one of the most compelling credit markets in the world, and building on a strong foundation with Blipay.”

With this acquisition, Tilt has meaningfully grown its global customer base, demonstrating the speed at which it can scale in new markets. Brazil will be Tilt’s fourth global market outside the US, positioning the company to accelerate its international expansion.

“We built Blipay for hardworking Brazilians who were invisible to conventional credit models, despite doing everything right. From day one, our goal has been to create access to credit in a way that is fair and transparent,” said Felipe Ziliotti, co-founder and chief executive officer of Blipay. “Tilt was the partner we were looking for because they’ve done exactly this, at scale, in markets like ours. Our ambition has always been to be the leading consumer lender in Brazil. Now we have the infrastructure and resources to get there faster.”