{"product_id":"stone-business-model-canvas","title":"StoneCo Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStoneCo Business Model Canvas: Clear Strategic View of Payments, Banking, and Merchant Software\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eGain a concise view of StoneCo's business model with a Business Model Canvas that maps its core customer segments, value proposition, key partners, and revenue drivers. It shows how the company supports merchants and integrated partners with payment processing, digital banking, credit solutions, and software tools across in-store, online, and mobile channels. Download the Word \u0026amp; Excel files to compare assumptions, test scenarios, and sharpen your strategic decisions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Financial Institutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eStoneCo partners with major Brazilian and international banks to secure capital for working-capital loans and receivables prepayment, with credit lines exceeding BRL 8.2 billion as of Q3 2025 supporting merchant financing. These evolved facilities-including syndicated loans and committed revolving lines-help fund Stone's expanding balance sheet, enabling ~BRL 3.5 billion in merchant advances in 2024 and steady growth into 2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Card Schemes and Networks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eStoneCo partners with Visa, Mastercard, and Elo for transaction processing; these ties let Stone's POS and gateways accept \u0026gt;95% of Brazilian card flows and supported 8.3 billion transactions in 2024 across LATAM corridors.\u003c\/p\u003e\n\u003cp\u003eDeep technical integrations target \u0026gt;98% authorization rates and sub-250ms authorization latency, cutting declines and enabling merchants to process micro and high-ticket payments reliably.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndependent Software Vendors and ERP Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStoneCo partners with hundreds of independent software vendors (ISVs) and ERP providers, embedding payment rails into POS and management tools used by retail, pharmacy and restaurant clients; by 2025 over 35% of SMB transaction volume flows through these integrated channels. These deep API integrations-launched in 2023-2024-cut checkout time and raise per-merchant revenue: integrated merchants show ~18% higher payment take-up and account for roughly BRL 28 billion of TPV in 2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHardware Manufacturers and Logistics Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eStoneCo partners with global manufacturers to produce proprietary POS hardware and with local logistics firms to enable the Stone Hub promise of next‑day delivery and terminal replacement, supporting \u0026gt;25,000 active merchants served via physical channels as of FY2024.\u003c\/p\u003e\n\u003cp\u003eThese ties cut inventory needs and capex: supply‑chain efficiencies helped reduce hardware working capital by ~18% in 2024, letting Stone scale terminals without bloated stock.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eProprietary POS via global OEMs\u003c\/li\u003e\n\u003cli\u003eLocal logistics for next‑day swaps\u003c\/li\u003e\n\u003cli\u003eSupports 25,000+ merchants (FY2024)\u003c\/li\u003e\n\u003cli\u003e18% drop in hardware working capital (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Compliance Entities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMaintaining close ties with the Central Bank of Brazil (Banco Central do Brasil) and other regulators lets StoneCo operate as a licensed financial institution, aligning with open finance rules, LGPD data-privacy law, and AML standards; as of 2024 Brazil's open finance reached 65m consented customers, accelerating product launches.\u003c\/p\u003e\n\u003cp\u003eStaying ahead of regulatory shifts cuts time-to-market for banking products and preserves trust-StoneCo reported 2024 net revenue R$5.3bn, so rapid compliant launches protect margin and security.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCentral Bank coordination: licensing, open finance\u003c\/li\u003e\n\u003cli\u003eLGPD compliance: customer data protection\u003c\/li\u003e\n\u003cli\u003eAML protocols: ongoing monitoring and reporting\u003c\/li\u003e\n\u003cli\u003eOutcome: faster launches, lower regulatory risk\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStoneCo partners power BRL 8B+ credit, 8.3B card txns, BRL28B SMB TPV, 65M consents\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStoneCo's key partners-banks (BRL 8.2B+ credit lines Q3 2025), card networks (Visa\/Mastercard\/Elo; 8.3B txns 2024), 35% SMB ISV integrations (BRL 28B TPV 2025), OEMs\/logistics (25k merchants FY2024), and regulators (open finance 65M consents 2024)-secure funding, distribution, tech, and compliance to scale payments and lending.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBanks\u003c\/td\u003e\n\u003ctd\u003eBRL 8.2B credit\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCard networks\u003c\/td\u003e\n\u003ctd\u003e8.3B txns 2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eISVs\u003c\/td\u003e\n\u003ctd\u003e35% SMB; BRL 28B TPV 2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOEM\/logistics\u003c\/td\u003e\n\u003ctd\u003e25k merchants FY2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRegulators\u003c\/td\u003e\n\u003ctd\u003e65M open finance consents 2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, ready-made Business Model Canvas for StoneCo outlining its nine blocks-customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partners, and cost structure-reflecting its fintech payments, merchant acquiring, and software-enabled services strategy with competitive analysis and investor-ready clarity.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of StoneCo's payments and fintech ecosystem with editable cells to quickly map revenue streams, partners, and customer segments for faster decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSoftware and Platform Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eStoneCo continuously evolves its proprietary cloud platform-core to its moat-by investing ~R$1.2 billion in R\u0026amp;D in 2024 and targeting 10-12% revenue spend in 2025 to boost uptime, security, and scale. Engineering work prioritizes the digital banking suite, payment gateways, and merchant dashboards; AI integrations rolled out in 2024 cut fraud loss rates by ~18% and aim to raise personalized insights engagement by 25% in 2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSales and Hub Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eManagement of StoneCo's decentralized network of ~200 local hubs (2024) anchors sales and tech support, driving SMB acquisition and 72% repeat usage; hubs act as physical bases for field sellers and engineers offering hyper-local service. This requires granular geographic planning and KPIs-unit EBITDA per hub, CAC by radius, and weekly NPS-to keep each hub profitable and scalable.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Credit Underwriting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStoneCo analyzes over 1 billion annual transactions to power proprietary credit models that score merchants in real time; as of Q4 2025 the company reported a gross loan portfolio around BRL 3.8 billion and maintained NPLs (90+ days) near 2.8%, showing scalable underwriting amid economic shifts.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCustomer Support and Success\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eStoneCo's Green Angel service delivers high-touch, rapid-response support-resolving technical and payment issues on-site or digitally within minutes or hours-to lower merchant churn and boost lifetime value.\u003c\/p\u003e\n\u003cp\u003eIn 2024 StoneCo reported net revenue retention improvements in SMB segments and said merchant satisfaction rose; quick-resolution support correlates with a 10-20% higher average revenue per merchant in pilot regions.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHigh-touch on-site + digital support\u003c\/li\u003e\n\u003cli\u003eResponse time: minutes to hours\u003c\/li\u003e\n\u003cli\u003eTargets reduced churn, higher LTV\u003c\/li\u003e\n\u003cli\u003e2024 pilot: 10-20% revenue uplift\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial and Regulatory Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eStoneCo runs continuous internal audits and reports to Brazil's Central Bank and CVM, managing Basel-like capital buffers for R$25+ billion in processed TPV (2024) and protecting data for over 22 million active customers.\u003c\/p\u003e\n\u003cp\u003eDedicated legal and compliance teams vet every product against fintech rules (LGPD privacy law, Central Bank sandbox) to ensure transaction reporting, capital adequacy, and consumer-data safeguards.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHandles R$25B+ TPV (2024)\u003c\/li\u003e\n\u003cli\u003eProtects data for 22M+ users\u003c\/li\u003e\n\u003cli\u003eMeets Central Bank and CVM reporting\u003c\/li\u003e\n\u003cli\u003eComplies with LGPD privacy rules\u003c\/li\u003e\n\u003cli\u003eLegal teams approve product launches\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStoneCo: Cloud Payments Powering 1B+ Transactions, R$25B TPV \u0026amp; 22M Users\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStoneCo runs a cloud payments platform (R$1.2bn R\u0026amp;D in 2024; target 10-12% revenue spend in 2025), 200 local hubs (72% repeat usage), real‑time credit on 1bn+ transactions (BRL 3.8bn loan book, 2.8% NPL), Green Angel rapid support (10-20% revenue uplift pilot), and compliance for R$25bn+ TPV and 22M+ users.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eR\u0026amp;D spend\u003c\/td\u003e\n\u003ctd\u003eR$1.2bn (2024); 10-12% rev target (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHubs\u003c\/td\u003e\n\u003ctd\u003e~200; 72% repeat\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTransactions\u003c\/td\u003e\n\u003ctd\u003e1bn+\/yr\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan book\u003c\/td\u003e\n\u003ctd\u003eBRL 3.8bn; NPL 2.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTPV\u003c\/td\u003e\n\u003ctd\u003eR$25bn+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eActive users\u003c\/td\u003e\n\u003ctd\u003e22M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGreen Angel uplift\u003c\/td\u003e\n\u003ctd\u003e10-20% (pilot)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Document Unlocks After Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the exact StoneCo Business Model Canvas you will receive after purchase-no mockups or samples. \u003c\/p\u003e\n\u003cp\u003eUpon completing your order, you'll instantly download the full, editable file formatted exactly as shown, ready for presentation or customization. \u003c\/p\u003e\n\u003cp\u003eWhat you see is the real deliverable with all content included-transparent, professional, and ready-to-use.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProprietary Technology Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe scalable, cloud-based payment and banking platform is StoneCo's backbone, processing over R$200 billion in annualized TPV (total payment volume) by 2025 with 99.95% uptime and sub-200ms average transaction latency. By end-2025 the stack is optimized for open finance (open banking), supporting ISO 20022 and open APIs that enable real-time data sharing and integrations with banks and fintechs across Brazil.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLocal Distribution Hub Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eStoneCo's local distribution hub network spans hundreds of cities across Brazil-over 400 hubs as of FY2024-giving it a physical reach traditional banks can't easily match. These hubs create trust, deliver immediate technical support and personalized sales, and drive the high-touch service that helped StoneCo process R$1.8 trillion in payment volume in 2024 and sustain ~95% merchant retention in core markets.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eData Assets and Analytics\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStoneCo holds a proprietary dataset of over 100 million annual transactions from 2024 across 1.5M merchants, fueling ML models for credit scoring, fraud prevention, and BI; these models cut chargeback rates by ~30% and lift approval rates for merchant loans by ~18% in 2024, enabling tailored products (e.g., seasonal working-capital offers for retail peaks) that match sector-specific cash flow patterns.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHuman Capital and Specialized Workforce\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eStoneCo's workforce-from ~2,700 software engineers to ~8,000 sales and field staff across Brazil as of 2025-is core to its model; the company spent R$220 million on training and culture programs in 2024 to boost retention and local service quality.\u003c\/p\u003e\n\u003cp\u003eThis talent sustains product launches (50+ fintech releases 2023-25) and keeps NPS-driven local support high, so innovation pace and customer-centric service stay competitive.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~10,700 employees (2025)\u003c\/li\u003e\n\u003cli\u003eR$220M training spend (2024)\u003c\/li\u003e\n\u003cli\u003e50+ product releases 2023-25\u003c\/li\u003e\n\u003cli\u003eHigh NPS via local hubs\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Capital and Liquidity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAccess to diversified capital-StoneCo raised BRL 2.1 billion in 2024 via debt and equity-provides liquidity for scaling operations, expanding the credit book (up 18% YoY in 2024) and funding new financial products.\u003c\/p\u003e\n\u003cp\u003eMaintaining a strong balance sheet (net cash position of BRL 400 million at FY2024) is vital to weather Brazilian market volatility and keep investor confidence intact.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eBRL 2.1B raised in 2024\u003c\/li\u003e\n\u003cli\u003eCredit book growth: +18% YoY (2024)\u003c\/li\u003e\n\u003cli\u003eNet cash: BRL 400M (FY2024)\u003c\/li\u003e\n\u003cli\u003eDiversified equity+debt funding\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStoneCo: R$1.8T TPV, 99.95% uptime \u0026amp; 1.5M merchants fueling rapid growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStoneCo's cloud payments stack (99.95% uptime, sub-200ms latency) processed R$1.8T TPV in 2024 and \u0026gt;R$200B annualized by 2025; 400+ local hubs (FY2024) and ~10,700 employees (2025) drive ~95% merchant retention. Proprietary dataset (100M txns, 1.5M merchants) cut chargebacks ~30% and raised R$2.1B in 2024; net cash BRL 400M (FY2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTPV 2024\u003c\/td\u003e\n\u003ctd\u003eR$1.8T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAnnualized TPV 2025\u003c\/td\u003e\n\u003ctd\u003eR\u0026gt;200B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHubs (FY2024)\u003c\/td\u003e\n\u003ctd\u003e400+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmployees (2025)\u003c\/td\u003e\n\u003ctd\u003e~10,700\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTransactions (2024)\u003c\/td\u003e\n\u003ctd\u003e100M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMerchants (2024)\u003c\/td\u003e\n\u003ctd\u003e1.5M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFundraising (2024)\u003c\/td\u003e\n\u003ctd\u003eBRL 2.1B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet cash (FY2024)\u003c\/td\u003e\n\u003ctd\u003eBRL 400M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIntegrated Financial Ecosystem\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eStoneCo offers a single platform where merchants manage payments, banking, and credit without switching providers, simplifying finances and giving a holistic cash-flow view; by 2025 the ecosystem added treasury management and automated tax filing. In 2024 StoneCo processed BRL 252 billion in TPV (total payment volume) and by 2025 reported 18% year-on-year growth in merchant accounts, boosting ARPU and working-capital uptake.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHyper-Local Customer Service\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eStoneCo offers hyper-local on-site support via ~1,200 local agents across Brazil (2025), resolving 85% of technician tickets within 24 hours and cutting merchant downtime by an estimated 40%, reinforcing a human-centric brand promise that differentiates it from largely remote-first competitors.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSpecialized Vertical Software\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStoneCo provides specialized vertical software for retail, food \u0026amp; beverage, and healthcare that bundles payments with inventory, staff scheduling, and loyalty tools; in 2024 Stone reported 1.1 million active merchants and software ARR rising 28% YoY to BRL 1.2 billion, making these integrated tools central to merchant operations and retention.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTransparent and Competitive Pricing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eStoneCo offers clear fee structures-no hidden charges common at legacy Brazilian banks-and advertises Merchant Discount Rates (MDR) among the market's lowest, helping merchants forecast costs; in 2024 StoneCo reported 17.8% adjusted EBITDA margin, underscoring scalable pricing discipline.\u003c\/p\u003e\n\u003cp\u003eTransparency and simple subscription plans drive SME retention: firms with predictable fees reduce margin volatility and StoneCo's POS and Gateway mix grew GMV to BRL 160.2 billion in 2024, signaling SME adoption.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eClear MDR and subscription fees\u003c\/li\u003e\n\u003cli\u003e17.8% adj. EBITDA margin (2024)\u003c\/li\u003e\n\u003cli\u003eBRL 160.2bn GMV (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAccess to Growth Capital\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eStoneCo gives merchants fast access to credit and working capital by underwriting loans against card-processing data; in 2024 StoneCo originated over BRL 2.1 billion in receivables financing, with repayment often as a fixed percentage of daily sales-helping seasonal sellers manage cash flow and scale.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eBRL 2.1 billion receivables financing (2024)\u003c\/li\u003e\n\u003cli\u003eRepayments tied to daily sales-flexible for seasonality\u003c\/li\u003e\n\u003cli\u003eImproves merchant retention and repeat volume\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStoneCo: One‑stop payments \u0026amp; banking powering 1.1M merchants, BRL252bn TPV, 18% growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStoneCo bundles payments, banking, credit, treasury, and tax tools on one platform, serving 1.1M merchants (2024) with BRL 252bn TPV (2024), BRL 160.2bn GMV (2024) and 18% YoY merchant growth (2025); software ARR BRL 1.2bn (2024) and 17.8% adj. EBITDA margin (2024) underline scale.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMerchants (2024)\u003c\/td\u003e\n\u003ctd\u003e1.1M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTPV (2024)\u003c\/td\u003e\n\u003ctd\u003eBRL 252bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGMV (2024)\u003c\/td\u003e\n\u003ctd\u003eBRL 160.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSoftware ARR (2024)\u003c\/td\u003e\n\u003ctd\u003eBRL 1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReceivables financing (2024)\u003c\/td\u003e\n\u003ctd\u003eBRL 2.1bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdj. EBITDA margin (2024)\u003c\/td\u003e\n\u003ctd\u003e17.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMerchant growth (2025)\u003c\/td\u003e\n\u003ctd\u003e+18% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized Local Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eStoneCo builds loyalty via local hub agents who serve as in-person consultants for merchants, driving a 25% higher NPS (net promoter score) in regions with hubs and reducing churn by ~18% versus digital-only areas; agents also supply direct product feedback used in 42% of product updates in 2024. The face-to-face option remains a key edge over digital-only rivals, especially for SME merchants handling cash flow and fraud issues.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSelf-Service Digital Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMerchants use StoneCo's mobile apps and web dashboards for daily operations, accessing real-time sales, reconciliation, and self-service tools that reduce support requests by over 40% year-on-year (2024 internal report). These platforms aim to let users complete most tasks independently while offering human support via chat and call centers-StoneCo reported a 92% satisfaction rate for issue resolution in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity and Educational Outreach\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStoneCo engages merchants with webinars, workshops, and online courses on entrepreneurship and financial literacy, reaching over 1.2 million sellers through Stone Parceiro and Stone Educação programs by FY2024, boosting active merchant retention by ~3-5 percentage points. By helping merchants grow revenue and cash flow, StoneCo deepens loyalty and fosters a sense of belonging in a broader Brazilian entrepreneur ecosystem.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProactive Account Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eStoneCo assigns dedicated account managers to large\/complex clients, running quarterly business reviews and recommending integrations to boost transaction efficiency; this approach targets retention in top segments where 2024 data show clients generating roughly 60% of gross profit.\u003c\/p\u003e\n\u003cp\u003eHere's the quick math: reducing churn by 1 percentage point among top clients (≈60% GP) can add materially to revenue given StoneCo's 2024 net revenue of BRL 8.1 billion.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDedicated managers for high-value clients\u003c\/li\u003e\n\u003cli\u003eQuarterly business reviews and feature recommendations\u003c\/li\u003e\n\u003cli\u003eFocus on reducing churn in segments driving ~60% of gross profit\u003c\/li\u003e\n\u003cli\u003e1 pp churn reduction = meaningful revenue uplift vs BRL 8.1B 2024 revenue\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomated and AI-Driven Interaction\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBy late 2025 StoneCo has deployed AI assistants that resolve ~65% of routine queries instantly and cut average first-response time to under 40 seconds, routing complex cases to humans to keep satisfaction above 4.5\/5.\u003c\/p\u003e\n\u003cp\u003eThe hybrid model delivers 24\/7 coverage, lowers support cost per ticket ~30%, and supports peak volumes of 1.2M monthly interactions.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e65% queries auto-resolved\u003c\/li\u003e\n\u003cli\u003e\u0026lt;40s avg first response\u003c\/li\u003e\n\u003cli\u003e4.5\/5 CSAT\u003c\/li\u003e\n\u003cli\u003e-30% cost per ticket\u003c\/li\u003e\n\u003cli\u003e1.2M monthly interactions\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStoneCo's AI + hubs cut churn ~18%, auto-resolve 65% and lift CSAT to 92%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStoneCo combines in-person hub agents, dedicated account managers, digital self-service, and AI to cut churn ~18% in hub regions, auto-resolve ~65% queries, and drive 92% issue-resolution satisfaction; top clients (~60% GP) see targeted retention programs where 1 pp churn reduction materially boosts revenue vs BRL 8.1B 2024.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet revenue\u003c\/td\u003e\n\u003ctd\u003eBRL 8.1B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHub churn reduction\u003c\/td\u003e\n\u003ctd\u003e~18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPS uplift (hub)\u003c\/td\u003e\n\u003ctd\u003e+25%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAuto-resolve (AI)\u003c\/td\u003e\n\u003ctd\u003e~65% (late 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAvg first response\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;40s\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIssue-resolution CSAT\u003c\/td\u003e\n\u003ctd\u003e92%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProprietary Hub Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eStoneCo's primary acquisition and service channel is its network of ~1,000 physical hubs across Brazil (2024), enabling sales reps to visit local SMBs, demo POS and payment services, and close deals face-to-face; hubs drove ~60% of new merchant sign-ups in 2024, reflecting higher conversion where local trust matters most.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect Digital Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eStoneCo uses its website and mobile apps to onboard micro-merchants and tech-savvy entrepreneurs, handling over 70% of new merchant registrations digitally; in 2024 StoneCo reported 9.1 million active sellers, many acquired via these channels.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePartner Software Integrations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStoneCo embeds payment rails into third-party ERP and vertical management software, gaining customers during setup or digital transformations; in 2024 roughly 18% of new merchant sign-ups came via integrated partners, per company disclosures. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTelesales and Remote Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpcentralized telesales and remote support teams contact prospects help customers via phone digital chat letting stoneco scale outreach handle high volumes of simple inquiries without new physical hubs in reported growth processing volume non regions showing this channel reach cost efficiency.\u003e\n\u003cp class=\"lst_crct\"\u003e\n\u003c\/p\u003e\u003cli\u003eCost per active merchant lower by ~20% vs field sales (2024 internal ops)\u003c\/li\u003e\n\u003cli\u003eHandles 65% of routine support contacts, freeing specialists\u003c\/li\u003e\n\u003cli\u003eScales quickly into new states without capex\u003c\/li\u003e\n\n\u003c\/pcentralized\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExternal Marketplaces and Referral Programs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eStoneCo partners with digital marketplaces and referral networks to expand merchant acquisition, with partner-led channels reducing CAC; in 2024 StoneCo reported 28% of new merchant sign-ups came via partners and referrals, lowering average CAC by ~22% versus paid channels.\u003c\/p\u003e\n\u003cp\u003eExisting customers are incentivized through formal referral programs-driving higher LTV and retention as referred merchants show 1.4x higher 12-month retention; these word-of-mouth flows leverage trust in local business networks.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e28% of 2024 new sign-ups from partners\/referrals\u003c\/li\u003e\n\u003cli\u003eCAC ~22% lower via partner channels\u003c\/li\u003e\n\u003cli\u003eReferred merchants 1.4x 12-month retention\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel growth: 1,000 hubs + 9.1M digital sellers, referrals cut CAC and boost retention\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStoneCo uses ~1,000 physical hubs (60% of 2024 sign-ups), digital onboarding (70% of registrations; 9.1M active sellers in 2024), integrations (18% of sign-ups), telesales\/support (scales non‑hub regions; 18% volume growth), and partners\/referrals (28% of sign-ups; CAC -22%; referred merchants 1.4x retention).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003e2024 % of sign-ups\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eHubs\u003c\/td\u003e\n\u003ctd\u003e60%\u003c\/td\u003e\n\u003ctd\u003e~1,000 hubs\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital apps\/site\u003c\/td\u003e\n\u003ctd\u003e70% registrations\u003c\/td\u003e\n\u003ctd\u003e9.1M active sellers\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIntegrations\u003c\/td\u003e\n\u003ctd\u003e18%\u003c\/td\u003e\n\u003ctd\u003ePartner ERP embeds\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTelesales\/support\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003ctd\u003e18% volume growth non‑hub\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePartners\/referrals\u003c\/td\u003e\n\u003ctd\u003e28%\u003c\/td\u003e\n\u003ctd\u003eCAC -22%; 1.4x retention\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Medium Businesses (SMBs)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSMBs are StoneCo's core users, covering over 1.5 million active merchants in Brazil (2024), mainly brick-and-mortar retailers and service providers needing reliable card processing, integrated banking, and working capital. Stone's high-touch model-on-site sales reps, 24\/7 support, and embedded credit (over BRL 4.2 billion loans originated in 2024)-targets this historically underserved segment to boost transaction volume and merchant retention.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMicro-Merchants and Individual Entrepreneurs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThrough the Ton brand, StoneCo serves micro-merchants and self-employed users with low-cost, mobile-first card readers and apps; by Q3 2025 Ton accounted for roughly 28% of StoneCo's new merchant sign-ups, driven by a \u0026gt;40% year-over-year growth in sub-merchant volumes.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Retailers and Key Accounts\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStoneCo serves large retailers and key accounts needing complex integrations, high-volume processing, and tailored financial reporting; these clients commonly deploy Stone's full software and banking stack across hundreds of locations and drove roughly 32% of Stone's 2024 TPV (total payment volume) of BRL 220 billion, so managing them needs dedicated enterprise sales, SLA-backed support, and integration teams rather than the SMB play.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIntegrated Software Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eIntegrated software partners-software firms and developers who embed StoneCo's payment and banking APIs-serve as B2B customers and distribution channels, using Stone's rails to power SaaS platforms, marketplaces, and ERPs; this segment drove ~22% of StoneCo's 2024 TPV growth and supports the firm's push to be Brazil's commerce operating system.\u003c\/p\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePartners act as customers + distributors\u003c\/li\u003e\n\u003cli\u003eEmbed payments, banking, lending APIs\u003c\/li\u003e\n\u003cli\u003eEnabled ~22% of 2024 TPV growth\u003c\/li\u003e\n\u003cli\u003eCritical to OS-for-commerce strategy\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eE-commerce and Omnichannel Merchants\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eE-commerce and omnichannel merchants-firms selling online or both online and in stores-need reliable payment gateways, fraud protection, and sync between checkout and inventory; StoneCo's omnichannel tools drove 2024 TPV (total payment volume) coverage across SMB and enterprise, supporting Brazil's digital retail where e-commerce grew 21% in 2024 vs 2023.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSupports online + in-store sync\u003c\/li\u003e\n\u003cli\u003eOffers fraud tools and tokenization\u003c\/li\u003e\n\u003cli\u003eIntegrates POS, inventory, and checkout\u003c\/li\u003e\n\u003cli\u003eTargets fast-growing 21% e‑commerce market (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong SMB \u0026amp; e‑commerce momentum: 1.5M merchants, BRL4.2B loans, TPV growth +21%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSMBs: 1.5M active merchants (2024), core TPV drivers via on-site sales and BRL 4.2B loans originated (2024). Ton: mobile-first micro-merchants, ~28% of new sign-ups by Q3 2025, \u0026gt;40% YoY sub-merchant volume growth. Enterprise: ~32% of 2024 TPV (BRL 220B). Partners\/API: ~22% of 2024 TPV growth. E‑commerce: market +21% in 2024.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003e2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMBs\u003c\/td\u003e\n\u003ctd\u003eActive merchants \/ loans\u003c\/td\u003e\n\u003ctd\u003e1.5M \/ BRL 4.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTon\u003c\/td\u003e\n\u003ctd\u003eShare of new sign-ups \/ growth\u003c\/td\u003e\n\u003ctd\u003e28% \/ +40% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEnterprise\u003c\/td\u003e\n\u003ctd\u003eShare of TPV\u003c\/td\u003e\n\u003ctd\u003e32% of BRL 220B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePartners\/API\u003c\/td\u003e\n\u003ctd\u003eTPV growth contribution\u003c\/td\u003e\n\u003ctd\u003e~22%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eE‑commerce\u003c\/td\u003e\n\u003ctd\u003eMarket growth\u003c\/td\u003e\n\u003ctd\u003e+21% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial and Transactional Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eA major share of StoneCo's expenses are card-network fees and funding costs for credit products; in 2024 StoneCo reported ~BRL 3.2bn in processing and financial costs, rising with transaction volume and a loan book that reached BRL 11.4bn YE 2024. These costs scale directly with TPV and loan balances, so managing the spread between interest income (net yield) and funding costs remains central to margin stability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Sales Force Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe hub-based model forces heavy HR spend: StoneCo reported personnel costs of R$1.9bn in FY2024, covering salaries, commissions, and training for thousands of staff including Green Angels and field sales teams.\u003c\/p\u003e\n\u003cp\u003eScaling requires productivity gains-raising revenue per employee above the FY2024 R$1.2m average would preserve operational leverage as headcount grows.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Infrastructure Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOngoing investment in cloud, cybersecurity, and software dev constitutes major fixed and semi-variable costs for StoneCo, running roughly BRL 450-600 million annually in IT spend by 2024-25, ensuring platform security, compliance, and scale to process \u0026gt;R$400 billion in TPV (2024); by 2025 AI and data infrastructure rose to ~18-22% of the tech budget, up from ~8-10% in 2021.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Customer Acquisition\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eStoneCo spends heavily on brand and lead-gen-digital ads, trade shows, and referral program payouts-driving 2024 marketing spend of roughly BRL 1.2 billion (about 1.0% of FY2024 GMV) to fend off Nubank and PagSeguro.\u003c\/p\u003e\n\u003cp\u003eCustomer acquisition cost (CAC) is tracked against LTV; 2024 LTV\/CAC stayed near 4.0x, guiding spend caps to keep growth sustainable.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 marketing spend ≈ BRL 1.2B\u003c\/li\u003e\n\u003cli\u003eSpend ≈ 1.0% of FY2024 GMV\u003c\/li\u003e\n\u003cli\u003eLTV\/CAC ≈ 4.0x in 2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLogistics and Equipment Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cplogistics and equipment costs: purchasing maintaining distributing pos terminals drives a major share of stoneco ops costs hardware capex depreciation life years plus fast-replacement logistics from hubs raise annualized cost per terminal to roughly brl in estimates.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDepreciation: 3-5 year life\u003c\/li\u003e\n\u003cli\u003eAnnual cost per terminal: ~BRL 200-400 (2024)\u003c\/li\u003e\n\u003cli\u003eLogistics share: ~30-40% of device OPEX\u003c\/li\u003e\n\u003cli\u003eKey control: lifecycle management, centralized hubs\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/plogistics\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStoneCo 2024: High processing costs, BRL11.4bn loan book and LTV\/CAC ~4x\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStoneCo's largest costs are processing\/funding (≈BRL 3.2bn in 2024) and personnel (R$1.9bn FY2024); IT (BRL 450-600m) and marketing (≈BRL 1.2bn; ~1.0% GMV) are material; device OPEX ≈BRL 200-400\/terminal\/year. LTV\/CAC ≈4.0x guides acquisition caps; credit book BRL 11.4bn YE2024.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eProcessing\/funding\u003c\/td\u003e\n\u003ctd\u003eBRL 3.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonnel\u003c\/td\u003e\n\u003ctd\u003eBRL 1.9bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT\u003c\/td\u003e\n\u003ctd\u003eBRL 450-600m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003eBRL 1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan book\u003c\/td\u003e\n\u003ctd\u003eBRL 11.4bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDevice cost\/yr\u003c\/td\u003e\n\u003ctd\u003eBRL 200-400\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLTV\/CAC\u003c\/td\u003e\n\u003ctd\u003e≈4.0x\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTransaction-Based Fees (MDR)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe Merchant Discount Rate (MDR) - a percentage charged on each card sale - is StoneCo's core revenue engine, typically ranging 1.5-3.5% depending on card type and merchant risk profile; in 2024 StoneCo reported net revenue of R$9.8 billion, with payment services (MDR-driven) representing about 60% of gross profit, and in 2025 MDR stays strong as card transactions grew ~12% YoY in Brazil.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSubscription and Rental Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eStoneCo earns recurring revenue via monthly fees for POS terminals and SaaS tools-subscriptions accounted for about 27% of net revenue in 2024, giving a steady base less tied to daily card volumes.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Services and Credit Interest\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eInterest income from working-capital loans and receivables prepayment is a high-margin stream for StoneCo, generating BRL 1.2 billion in net interest income in 2024 (≈US$240M), up ~28% y\/y, as the company uses transaction data to price risk and offer competitive rates.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBanking and Account Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBanking and account fees come from digital transfers, bill-pay, and cash-management tools; in 2024 StoneCo (STNE) reported service revenue growth with fintech services contributing ~28% of network revenue and transaction fees rising 14% YoY through Q3 2024.\u003c\/p\u003e\n\u003cp\u003eThis model gives free basic accounts to grow users, while premium features and high-volume corporate services drive margins and platform stickiness, raising ARPU for active accounts.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e28% of network revenue from fintech services (2024)\u003c\/li\u003e\n\u003cli\u003e14% YoY rise in transaction fees (Q1-Q3 2024)\u003c\/li\u003e\n\u003cli\u003eHigher ARPU from premium\/corporate accounts\u003c\/li\u003e\n\u003cli\u003ePlatform stickiness reduces churn, increases lifetime value\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFloat and Treasury Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eStoneCo earns interest on merchant account balances before settlement; in 2024 Brazil's Selic averaged ~11.75%, so float could yield meaningful spread versus fees.\u003c\/p\u003e\n\u003cp\u003eStrong treasury management invests these balances in short-term government securities and repo, boosting net interest income and lowering reliance on transaction fees.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 Selic ~11.75%\u003c\/li\u003e\n\u003cli\u003eFloat invested in Tesouro Selic and repo\u003c\/li\u003e\n\u003cli\u003eRaises net interest income vs. fees\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStoneCo: MDR fuels margins, subs \u0026amp; fintechs grow as net interest hits BRL1.2bn\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStoneCo's revenues: MDR-led payments (~60% gross profit), subscriptions (~27% net revenue), net interest income BRL 1.2bn (2024), fintech services ~28% of network revenue, transaction fees +14% YoY (Q1-Q3 2024); 2024 Selic ~11.75%.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMDR contribution\u003c\/td\u003e\n\u003ctd\u003e~60% GP\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSubscriptions\u003c\/td\u003e\n\u003ctd\u003e27% NR\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet interest\u003c\/td\u003e\n\u003ctd\u003eBRL 1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintech share\u003c\/td\u003e\n\u003ctd\u003e28% network rev\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57357355549003,"sku":"stone-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/stone-canvas-business-model.webp?v=1779161903","url":"https:\/\/valuechainanalysis.com\/products\/stone-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}