Tem Troco

Founded in 2018 in Santa Catarina, Brazil, Tem Troco was created to solve the common problem of a lack of physical change in retail commerce. The company offers a platform that integrates with merchants' point-of-sale (POS) systems, allowing customers to receive their change instantly into a digital account by simply providing their CPF number. The accumulated balance in the user's digital wallet can then be used for new purchases, paying bills, mobile top-ups, or transferred to a traditional bank account via Pix. The company is a regulated payment institution in Brazil and aims to digitize small-value transactions, providing convenience for consumers and operational efficiency for retailers.