Sep 2020
14 institutions
Pix reached the inbox before it existed.
By September, 14 institutions were already talking about it. The official launch was on November 16.
01 · Questions
Questions every bank executive asks. Answers that only exist here.
MINT database · Oct 2026
How much is the purple bank paying on CDI right now?
120% of CDI, but only for customers with its mobile SIM or its premium card. With no conditions, 105% to 107%. And four competitors paid more than that in October.
See the full answerMINT database · Oct 2026
Who is pushing credit hardest heading into year-end?
Two digital banks and one of the card-terminal banks. In October, credit made up 60% to 70% of everything two of them sent. Among the big five, one sent a single credit message all month.
See the full answerMINT database · Jan to Oct 2026
Does the orange bank send more messages than the purple bank?
No. In 2026, the purple bank sent 21% more per month, and in October it sped up: 64% above its own average. 61% of what the orange bank sends is in-app.
See the full answerMINT database · Jan to Oct 2026
Which partner did the red bank lock in for 2026?
An electronics manufacturer: 50 messages featuring it alone, the most repeated partner of the year across the entire market. The green bank went the opposite way: 164 partners, 97 of them exclusive.
See the full answerMINT database · Oct 2026
Which big bank was first to talk about Black Friday in 2026?
The red bank, on October 19, with the season's first consumer offer. The purple bank only joined a week later. The orange bank still hadn't mentioned the date by the end of October.
See the full answerMINT database · Jan to Oct 2026
Who is already using WhatsApp to sell?
The top user isn't a retail digital bank: it's the investment bank, with 28 messages in 2026. The black bank uses it almost exclusively to sell CDBs. The purple bank, not once.
See the full answerMINT database · Jun to Jul 2025
Who copied whom on Pix Automático?
The investment bank announced it first, on June 12, 2025. The red bank, the purple bank and one of the big five followed four days later. The last one took forty.
See the full answerMINT database · 2026
When does the red bank never talk to its customers?
On weekends: 1% of its volume, and zero on seven of October's eight Saturdays and Sundays. The orange bank sends 6% on weekends, and then email takes the lead.
See the full answer02 · Only exists in MINT
These answers don't exist anywhere else.
They're not in market reports, media monitoring tools or AI models. They only exist for whoever received the messages. MINT receives them all: email, push, SMS, WhatsApp and in-app alerts from 25 banks and fintechs, every day, since 2020. It is the only CRM database in the Brazilian financial market, and you can query it in seconds.
- 25institutions monitored
- 5channels logged
- 24hours from send to alert
- Since 2020, without interruption
03 · Six years
Six years of bank CRM, in one line.
The five streams are the channels. The width of each one is its actual share of what the market sent, year by year.
Feb 2021
1st time
In-app overtakes email.
It has stayed ahead ever since April 2021.
Nov 2021
33.5%
The biggest Black Friday on record.
A third of everything the market sent in November.
Nov 2022
283
Peak cashback.
The biggest month on record. It has fallen every year since: from 21% of messages in 2021 to 12% in 2025.
2022 to 2025
53% to 34%
Bank CRM got less salesy.
Promotional tone fell from 53% to 34% of messages. Informational rose from 42% to 60%.
Oct 2024
13x
WhatsApp becomes a channel.
2024 had 13 times the volume of the previous four years combined.
Nov and Dec 2025
0 and 50%
SMS ends. In-app passes the halfway mark.
November was the first month without a single SMS. By December, half of everything the market sent was already happening inside the app.
2026
112% of CDI
The CDI war.
Median of advertised rates. In 2021 and 2022 it was 100%. Offers of 110% or more: five times as many as in 2021.
Today. What the market sent yesterday is already here today.
Book a demo04 · Four ways
One database, four ways to use it.
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AI.MINT.
Ask and get answers.
A conversation with the entire database, on your phone. The answer arrives during the meeting where the question came up.
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MINT.
Search and compare.
Search, cross-institution comparison, calendar, dashboards and alerts within 24 hours.
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API.
Plug it into your AI.
The agents your bank already uses query the database, with permissions by institution and by period.
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Consulting.
When the question is too big for a search.
Analyses, ad hoc research, thematic studies and the monthly Radar CRM, delivered by the people who build the database and look at it every day.
05 · Who uses it
Who already uses MINT.
Seeing the market's CRM campaigns and journeys clearly and instantly cut our response time in half. For anyone deciding budget, offer and format, MINT is a genuine competitive advantage.
We found MINT to be an ideal solution for our UX and marketing teams. Our UX team gained a repository of benchmarks from across the market, which simplified and sped up our research. Our marketing team now has its finger on the pulse of everything happening in CRM communication among Brazil's leading players.
XCORP's MINT platform has been a great help to Remessa's CRM, Marketing, UX and Product teams, with relevant information that we previously didn't have or that was very hard to access.
06 · Institutions
Institutions tracked by MINT.
Banks and fintechs active in the database: Banco do Brasil and Ourocard, Bradesco and Bradesco Cartões, BTG Pactual, C6 Bank, Caixa Tem, Carrefour, InfinitePay, Inter, Itaú and Itaú Cartões, Mercado Pago, Neon, Next, Nubank, PagBank, Banco PAN, PicPay, RecargaPay, Revolut, Santander and Santander Way, Sicredi, XP.
Archive of brands that have left the market: N26, Will Bank and six others.
Other verticals monitored: investment brokerages, crypto exchanges, international remittances and banks in Spain.
07 · Frequently asked questions
Frequently asked questions
What is MINT?
MINT is XCORP's CRM intelligence platform. It stores, catalogs and makes searchable every message that 25 Brazilian banks and fintechs send their own customers: email, push, SMS, WhatsApp and in-app alerts, captured every day since 2020. It is the only database of its kind in the Brazilian financial market.
What is CRM intelligence?
It means knowing what your competitors tell their customers after login: which products they offer, at what rate, with which partner, on which channel, how often and in what tone. Media monitoring sees the advertising; CRM intelligence sees the one-to-one conversation.
How does XCORP get these messages?
By holding real accounts at the institutions and receiving their communications just as any customer does. No bots, no interception. All personal data is irreversibly removed before a message enters the database. Each message is tagged by theme, product, partner, tone, urgency, rate and format.
Which channels does MINT monitor?
Email, push notifications, SMS, WhatsApp, and in-app alerts and banners. In 2026, in-app accounts for half of everything the market sends; push, for almost a third.
Which institutions are monitored?
Banks and fintechs active in the database: Banco do Brasil and Ourocard, Bradesco and Bradesco Cartões, BTG Pactual, C6 Bank, Caixa Tem, Carrefour, InfinitePay, Inter, Itaú and Itaú Cartões, Mercado Pago, Neon, Next, Nubank, PagBank, Banco PAN, PicPay, RecargaPay, Revolut, Santander and Santander Way, Sicredi, XP. Archive of brands that have left the market: N26, Will Bank and six others. Other verticals monitored: investment brokerages, crypto exchanges, international remittances and banks in Spain.
How quickly does the information come in?
Within 24 hours, and usually sooner. A message sent today is in MINT, AI.MINT and the API tomorrow, and can trigger an alert you set up.
How far back does the database go?
Back to 2020, without interruption. That lets you compare this year's Black Friday with the previous five and tell whether a change is a trend or just noise.
Can I plug MINT into my bank's AI?
Yes. The MINT API was built for corporate agents and assistants to query the database, with permissions by institution and by period. XCORP hosts the data; the bank keeps control of its agents.
Who uses MINT?
Banks and fintechs that need to know what the market is telling customers before their next meeting. Named clients: Banco PAN, Remessa Online.
Which day of the week do banks send the most messages?
Monday accounts for 20% of 2026 volume. Saturday and Sunday together add up to 10%, and on weekends push becomes the main channel.
How do I sign up?
By subscription, with plans based on scope and number of users, plus a guarantee: if your team doesn't see a difference in its work within 30 days, we refund 100% of your investment. Start with a twenty-minute demo.
08 · Demo
See the full answer.
A twenty-minute demo, with the database open. Bring your question and we'll answer it on the spot.
Request received. We'll reply to the email you provided to schedule the demo.
09 · Who we are
Who we are
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Leonardo Dias
Founder
Serial entrepreneur who has been building communication and technology businesses in Brazil and Europe for almost 30 years. Technology and marketing projects for Bradesco, Itaú, Banco Original, VISA, Caixa and Banco PAN, among others. He started archiving the banks' communications in 2020 and has never stopped.
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Anita Schlosser
Head of New Business, Europe
Marketing and advertising specialist focused on martech. More than 25 years at agencies and blue-chip companies in Brazil, France and Spain, leading teams across Latin America and Europe. She has worked for American Express, IBM, Telefónica, SAP, Kodak, NIVEA, El Corte Inglés, Hyundai and BBVA.