Investment is available to new users of the digital banking app

São Paulo – September 2023  – New users of Mercado Pago, Mercado Livre’s digital bank, have just gained a great investment opportunity: the promotional CDB, with daily liquidity and a yield of 150% of the CDI. With a maturity date of two months, it allows investment of up to R$3,000. The offer is valid for new digital bank customers until October 31st. 

Offered in partnership with Órama, CDB can be purchased from R$1 via the digital bank app. “Our value proposition is to democratize access to investments and we built this product with all the characteristics for this purpose: daily liquidity, low initial investment value, high profitability and low risk”, says Ignacio Estivariz, Country Head of Banco Digital do Mercado Paid out. 

The executive also highlights that despite the reduction in the Selic rate, the interest rate remains high, which makes this type of investment very attractive. “Another important point is that, as it has daily liquidity, the investor can redeem the amounts invested at any time, without loss of profitability. Furthermore, the CDB has the protection of the Credit Guarantee Fund, that is, it provides the same security as savings”, he adds. 

To translate these advantages of entering the investment universe with Mercado Pago to Brazilians, Gil do Vigor, ambassador of Mercado Pago, will post on his social networks to show the advantages of the CDB of daily liquidity, with a yield of 150% of the CDI. 

In a simulation, considering the current interest rate (13.25% per year), if a user invests R$1,000 today, at the end of the investment term, they will receive R$1,024.31 net. If he opted for savings, he would earn R$1,010.18. In other words, the profitability is 2.4x greater than that of savings.

The promotional CDB, with daily liquidity and yield of 150%, is now available to new Mercado Pago users. Contracting and monitoring the CDB can be done from the Mercado Pago digital account in a simple, safe and educational experience, with didactic and transparent guidance on the best alternatives according to users’ financial objectives.  

Mercado Pago and Órama started the partnership precisely because they share the purpose of democratizing Brazilians’ access to investments. “We seek to maximize client profitability, democratizing access to investments, a flagship of Órama. The CDB with daily liquidity will be another opportunity to leverage investments in an accessible way in a new wave of this democratization, which we started more than 10 years ago”, says Órama’s CEO, Habib Nascif.

Check out the experience flow:

Check out how to access investment in CDB through the Mercado Pago app: 

1. Open the Mercado Pago app and log in to your account;
2. Click on the “Investments” icon and then on “CDBs”
3. Choose the daily liquidity CDB with 150% of the CDI;
4. Define the amount you want to invest, which can be from R$1.00 and tap “Continue”;
5. Check if everything is ok with the chosen investment and value;
6. Accept the Terms and tap “Invest”;
7. Ready! You invested your money in the daily liquidity CDB.

With the application completed, the user can follow it through the Mercado Pago app, having visibility over income and due dates.

Important informations: 

• Investment products are offered in partnership with Órama 
• For more information about the product, see the regulation to adhere to the rules. The CDB (Bank Deposit Certificate) is a low-risk fixed income investment guaranteed by the Credit Guarantee Fund (FGC). The conditions described in this text only apply to investments in CDB made through the Mercado Pago app. 
• Check out the terms and conditions of the promotional CDB here:  https://api.mercadopago.com/v2/discounts/campaign/10382742/terms/html 

About Mercado Pago

Mercado Pago, the digital bank of the Mercado Livre group and one of the largest fintechs in Latin America, offers payment, credit, investment, insurance and benefits management solutions to more than 64 million unique users in the region. Operating in Brazil since 2004, it is also present in Argentina, Chile, Colombia, Mexico, Peru and Uruguay, where it contributes to financial inclusion and the promotion of entrepreneurial power, allowing micro and small businesses to access financing and services that allow them to grow from fairer way. In 2022, Mercado Pago surpassed the US$123 billion mark in payment volume, with 173 transactions per second. With more than US$2.8 billion in credit portfolio, the digital bank already has more than 21 million investment accounts in the region. Consolidating its complete offer of integrated financial services in Brazil, it has actively participated in innovations and the future of financial services, supporting users and encouraging entrepreneurs on their journeys. By investing in the offering and development of services, which help anyone to have access to money in a responsible, practical and safe way, Mercado Pago has expanded the connection and benefits of the Mercado Livre ecosystem, increasingly allowing it to be the option for users looking for the best of e-commerce and financial services in one place. It is currently the best company in the finance segment to work for in Brazil. By investing in the offering and development of services, which help anyone to have access to money in a responsible, practical and safe way, Mercado Pago has expanded the connection and benefits of the Mercado Livre ecosystem, increasingly allowing it to be the option for users looking for the best of e-commerce and financial services in one place. It is currently the best company in the finance segment to work for in Brazil. By investing in the offering and development of services, which help anyone to have access to money in a responsible, practical and safe way, Mercado Pago has expanded the connection and benefits of the Mercado Livre ecosystem, increasingly allowing it to be the option for users looking for the best of e-commerce and financial services in one place. It is currently the best company in the finance segment to work for in Brazil.

About Órama Investimentos:

Created in 2011 by experienced financial market professionals and currently with more than 1 million customers, Órama was one of the pioneers to offer digital investment in Brazil. The platform provides access to the best products for everyone, regardless of the customer’s income range, profile and objectives. It operates in a transparent and independent manner, to democratize access to investments and maximize client profitability. It was awarded by Amazon Web Services as one of the most innovative companies in financial services. For two consecutive years it was chosen as the best broker in Brazil, according to a survey carried out by Yubb, which also gave it other awards in various categories. A precursor to the Zero Tax concept, Órama promotes financial education through entertainment, campaigns, e-Books, blog, videos and on its YouTube channel, which has clear, simple and qualified content to guide investors. In 2020, in a pioneering initiative, Órama launched its Purpose Platform (https://orama.com.br/plataformadepropositos ). In 2022, it innovated with Órama Quiker, a robot that assembles smart wallets, with the distribution of resources made after analyzing each client’s profile and objectives.

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Danieli Massone