The most innovative companies have moved beyond seeing value solely in the products they deliver and have come to understand their greatest asset: the ecosystem they build around them. It is within this context that Wellhub takes a decisive step by structuring its own financial arm, using credit as a tool to strengthen the foundation that sustains the entire wellness ecosystem.

This move addresses a long-standing distortion in the market. Although the gym and studio sector has been growing rapidly in Brazil, a large share of these businesses remains invisible to the traditional financial system. The sector’s fragmentation, the lack of standardized historical data, and banks’ limited understanding of wellness dynamics make access to credit difficult—even for companies that serve millions of users.

For Wellhub, this limitation was not merely an external issue, but a structural brake on the growth of its own network.

From this insight, Financial Solutions by Wellhub was born—a vertical launched with a R$100 million fund to finance partner gyms, studios, and wellness apps. The logic is simple yet powerful: those who operate the ecosystem have more data, more context, and greater ability to assess risk than any traditional bank. As Bernardo Ferrarini, Wellhub’s Senior Director of Fintech, puts it, building an in-house solution ceased to be an option and became a strategic necessity to enable partners’ growth, quality, and long-term sustainability.

To make this structure viable at scale, with governance and regulatory security, Wellhub relied on QI Tech’s infrastructure, which took on critical pillars of the financial operation through integrated solutions, including:

• FIDC administration and custody: end-to-end fund management with regulatory oversight, continuous reconciliation, and full traceability of financial flows;
• Commercial note bookkeeping: issuance, registration, and control of the credit instruments that legally structure the transactions, natively integrated into the financial flow;
• Digital signature via CertifiQI: 100% digital execution with legal validity, cryptographic security, and the elimination of manual steps.

This model reflects QI Tech’s one-stop-shop concept, in which origination, execution, bookkeeping, administration, and custody operate within a single proprietary platform. The integration reduces operational risk, accelerates time-to-market, and eliminates dependencies on multiple vendors, while enabling fine-tuned workflow adjustments according to client needs. For global companies, this flexibility is as strategic as technical efficiency.

More than just a fund, the initiative represents a concrete advance of Embedded Finance in Brazil. By making credit part of the ecosystem experience, Wellhub strengthens its value chain, reduces the failure rate of small businesses, and expands access to high-quality wellness services. The partnership with QI Tech demonstrates how technology, regulation, and product design can come together to unlock sustainable growth in sectors historically underserved by the traditional financial system.