Latin America's Largest Seed Round Ever Just Went to an AI Wealth Platform for Brazil

An $85 million seed round. No product live yet. Latin America's largest seed raise ever.

Decade announced its emergence from stealth this week with $85 million in seed funding backed by Greenoaks, Benchmark, and Diffusion. The company was founded by Vitor Olivier, former CTO of Nubank — one of the most successful fintech companies in LatAm history — alongside Felipe Meneses, founder of Hyperplane, an AI infrastructure company.

The thesis is wealth inequality through a technology lens. In Brazil, genuinely personalized financial advice — the kind that looks across your full asset picture, identifies tax inefficiencies, surfaces investment opportunities you are not watching, and builds a portfolio around your actual goals — has historically cost between $50,000 and $200,000 per year in annual advisory fees. That puts it firmly out of reach for the vast majority of Brazilian families building wealth.

Decade's model is to deliver that level of intelligence through AI. Not a chatbot that answers questions. A system that proactively manages a financial picture the way a high-end family office would: cutting unnecessary fees, finding opportunities the customer would not have found independently, and adjusting automatically as goals and market conditions change.

The size of this seed round reflects how seriously Greenoaks and Benchmark are taking the founding team. Vitor Olivier built the engineering infrastructure for a company that grew from zero to 100 million customers in under a decade. The credibility he brings to a wealth platform in Brazil is not transferable.

What this means for founders

The era of consumer fintech being a "feature not a company" is ending in emerging markets. Decade is raising venture-scale capital at seed for a market — Brazil's wealth advisory sector — that institutional players ignored because it was complex, regulated, and hard. That is the pattern. The biggest seed rounds in 2026 are going to founders with deep domain credibility attacking underserved markets with AI as a distribution unlock, not just a product feature.

Investors: Greenoaks, Benchmark, Diffusion Round: Seed — $85M Founded: Vitor Olivier (ex-Nubank CTO), Felipe Meneses (Hyperplane founder)

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