(Incorporated in the Cayman Islands)

Our journey began over 25 years ago with a vision from our founder, Mr. Marciano Testa: to make credit more accessible and affordable for the Brazilian consumers who needed it most. While still a college student in 1999, Mr. Testa founded Agiplan, the first building block of what eventually became the Agi that we are today. As our business grew, we identified new opportunities and adapted our strategy to better serve our target customers. In each phase, we strengthened our business, enabling us to offer our consumers greater value.

AGI Inc. is a leading technology-powered provider of specialized financial services in Brazil. We served nearly 6.4 million active clients as of September 30, 2025, helping them to access their social security benefits, severance fund benefits, and public- or private-sector payrolls through innovative secured lending solutions and complementary banking, credit and insurance products tailored to their needs. Social security benefit loans, for example, accounted for 79.2 percent of our total credit portfolio of R$34.5 billion as of September 30, 2025.

Our mission is to revolutionize financial services for the largest and fastest-growing segment of Brazil’s population: individuals who have been underserved by incumbent banks and have not been effectively reached by digital-only banks.

We believe we are one of the most profitable financial institutions in Brazil, based on our annualized return on average equity (ROAE) of 39.1 percent for the nine months that ended September 30, 2025. 

We seek to make credit and banking solutions more accessible and affordable for the Brazilian consumers who we believe need it the most, including social security beneficiaries and private- and public-sector workers. We have designed a unique value proposition for this population, who may be older, have a lower income, be less tech-savvy or have less access to education. Our target market: (1) includes 107 million people, comprised of 41.4 million social security beneficiaries, 52.7 million private-sector workers and 12.8 million public-sector workers; and (2) represents a total estimated addressable market of over R$1.9 trillion in financial services as of September 30, 2025, based on data from the Central Bank of Brazil and SUSEP.

Note: Net income and revenue are in U.S. dollars (converted from Brazil’s reais) for the 12 months that ended Sept. 30, 2025.

(Note: AGI filed its F-1 for its IPO on Jan. 14, 2026, without disclosing the terms. Estimated proceeds are $100 million, a placeholder figure. This IPO could raise as much as $1 billion, Bloomberg reported on Jan. 14, 2026.)