QI Tech, a leader in financial services infrastructure in Brazil, has entered into a partnership with Bettr, a provider of inclusive and embedded financial solutions from Ant International, to expand credit offerings for e-commerce sellers and consumers. The initiative is aligned with the country’s ongoing efforts to promote financial inclusion, bringing credit solutions directly into digital marketplaces.

In this first phase, QI Tech will collaborate with Bettr to offer working capital lines for small and medium-sized e-commerce businesses, enabling them to expand their inventory and scale their operations more efficiently. The partnership also includes a Buy Now, Pay Later (BNPL) solution for end consumers, offered at the point of purchase and allowing AliExpress users to make installment payments.

Consumers will be able to select the BNPL option directly at checkout, with the operation facilitated by Bettr.

Both solutions are supported by automated analyses based on transactional data, real-time decision-making, and sophisticated risk management models. These mechanisms were designed to meet users’ needs and payment capacity, encouraging sustainable credit use.

QI Tech helps companies automate their entire financial technology journey, offering credit, banking, anti-fraud, payments, and other solutions. Ant International, meanwhile, is one of the world’s leading providers of digital payments, digitization, and financial technology, supporting financial institutions and businesses of all sizes with a comprehensive portfolio that includes payment solutions, accounts, merchant digitization, embedded finance, treasury management, and FinAI innovations.

“We are working with Ant International to better meet the growing demand for inclusive financial solutions among underserved groups in Brazil, especially small businesses. Our goal is to enable a more connected ecosystem, spanning onboarding, credit analysis, credit origination, and the structuring of a Receivables Investment Fund (FIDC),” says Pedro Mac Dowell, CEO and founder of QI Tech.

The partnership comes at a time of structural transformation in retail, driven by the growth of e-commerce, the digitization of consumption, and the pursuit of smoother, more integrated shopping experiences. Pressured by narrower margins, rising logistics costs, and increasingly demanding consumers, the sector has been seeking Embedded Finance solutions that connect payments, credit, logistics, and engagement into a single journey. This new digital shopping experience helps increase average ticket size, reduce cart abandonment, and create new revenue streams for retailers.

According to a study by Mordor Intelligence, Brazil’s e-commerce market will generate US$69.21 billion in 2026 and is expected to reach US$150.91 billion by 2031. The research highlights a strong consumer preference for payment solutions that integrate naturally into the digital shopping journey, a factor that significantly improves the customer experience and increases conversion rates in online retail.

“Credit is shifting from being a standalone product to becoming a natural part of the digital experience. This partnership combines Ant International’s technological capabilities with QI Tech’s regulated, scalable infrastructure to connect credit and payments more efficiently in Brazil’s evolving retail landscape,” says Pedro.

“This partnership reinforces our commitment to local collaboration to gain deeper insights and generate greater synergy,” says Quan Yu, General Manager of Credit at Bettr and Senior Vice President at Ant International. “By making long-term investments in initiatives like this, we are expanding access to credit in a more comprehensive, flexible, and secure way, helping consumers better manage their finances and creating new growth opportunities for merchants. At the same time, we are supporting SMEs with access to financing, contributing to a more resilient retail ecosystem.”