Latin America’s Fintech Giant: The Rise of PicPay with 60M Users

Sep 30, 2025

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Episode 150 of Couchonomics with Arjun is here — and it’s a milestone.

For the very first time, we go to Latin America. My guest: Eduardo Chedid, CEO of PicPay — Brazil’s biggest super app and one of the fastest-scaling fintechs in the world.

With 60M+ customers, $1B+ in revenues, profits up 7× YoY, and 4,500 employees, PicPay is rewriting the rules of digital banking in one of the most competitive markets on earth.

We cover:
- Brazil’s fintech revolution and the role of regulation
- How PicPay scaled from wallet → super app → full-service bank
- Why AI and open finance are core to growth
- The future of tokenized money and cross-border payments

This isn’t just a Brazil story — it’s a blueprint for the future of finance.

Couchonomics with Arjun Season 04 is brought to you by our partners:
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Chapters:
00:00 Episode Highlights
01:11 Welcoming Eduardo Chedd
03:29 Brazilian FinTech Landscape
11:22 PicPay's Growth and Strategy
23:52 AI Integration and Innovations
28:25 Organizational Structure and Product Velocity
29:23 Ownership and Cross-Functional Integration
31:13 Driving Governance and Agile Practices
32:36 The Role of Data in Financial Services
36:55 The Evolution and Importance of Digital Wallets
38:46 Tokenized Money and Future Trends
41:59 Competition and Market Focus
45:21 Global Insights and Future Plans
50:44 Conclusion and Final Thoughts

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