Credliber
How we structured a 100% digital credit app that surpassed 100,000 downloads and launched nationwide.
- Segment
- Fintech
- Vertical
- Payroll-deductible credit & financial solutions
- Launch
- 2024
Credliber had a real operation, a sales network in the field and demand to spare. What blocked growth was the process: every new salesperson added manual effort instead of multiplying results. That was the ceiling Razzo came in to break.
The challenge
Credliber needed to migrate a sales and simulation model full of manual steps into a 100% digital, mobile and highly scalable credit operation.
The core challenge was engineering and product security: building a mobile app that was fast, secure and highly accessible to users with very different levels of digital literacy, without compromising on strict fraud-prevention mechanisms, protection of sensitive data and direct integration with complex financial flows.
The goal was not just to launch an app. It was to build robust, scalable infrastructure able to absorb massive spikes of simultaneous access and keep the app running steadily across the entire country.
The challenge wasn't commercial. It was technological.
Credliber didn't need just a vendor, but a strategic product and engineering partner able to sustain the fast growth of its operation and meet the high demands of a fiercely competitive market.
What we did
We came in as product partners to build the app Credliber needed — with the same discipline we bring to every project: regular releases, constant communication, and an architecture designed from day one for the volume that was coming, not just the volume that existed at the time.
The app goes live.
The first release put the app in the hands of the field sales network. The effect showed up fast: in the first months after launch, Credliber's operation grew by more than 200%.
Pent-up demand, finally served.
This wasn't an isolated campaign spike. It was demand that already existed finally meeting a platform able to serve it. Technology didn't create Credliber's market — it unlocked the market Credliber already had and couldn't reach.
The part most projects never get to: what came after.
Credliber kept growing and we kept going with it, cycle after cycle, evolving the platform as the operation gained weight, new channels and new volumes. The company earned national exposure, including an appearance on Programa do Ratinho, and the network went from hundreds to tens of thousands of salespeople.
2025: from contract to partnership.
After years of delivering together, what began as a development contract turned into something else: a partnership was formed between Credliber, Grandino — the bank behind the operation — and Razzo. It stopped being client and vendor. It became companies building together.
The result
The project hit major milestones in its first weeks after launch: more than 60,000 downloads in the initial phase and over R$ 30 million transacted with full security and stability, R$ 14 million of it moved during the platform's debut period alone.
The architecture Razzo built held up at national scale, letting the app absorb massive traffic spikes from prime-time broadcast TV campaigns with zero downtime.
- More than 100,000 app downloads accumulated across the official stores.
- Held up at national scale: a smooth operation across Brazil, with technical stability during audience spikes and nationwide traction.
- A scalable platform live since 2024, absorbing continuous user growth with no degradation.
- Growth into new business: the project's technical and strategic success consolidated the partnership and gave rise to Start Capital.
Where to see Credliber
Why this case matters
Platforms in the financial market have no tolerance for error. Tens, hundreds of thousands of reais are transacted every single day.
Credliber has remained our client, and that trust shows in the new opportunities that came up for both companies. The speed and quality of delivery produced a platform that today sustains the operation and the scaling of its offering nationwide.
We didn't deliver a project and walk away. We stayed for the whole growth curve.
That only confirms Razzo's commitment to bringing extraordinary results to its partners and clients.
Capabilities demonstrated
- Apps for field operations
- Credit and fintech platforms
- Architecture built for scale
- Continuous evolution in production
- Long-term product partnership