Klubi Powers AI-Driven Customer Conversations Across Brazil on Telnyx Infrastructure

Klubi is the only fintech authorized by Brazil's Central Bank to operate as a consortium administrator. Founded in 2019 by Eduardo Rocha, the São Paulo-based company digitizes a credit product with deep consumer appeal in Brazil, but one long held back by analog processes and inefficient distribution. Through a group purchasing model, Klubi offers financing for vehicles, real estate, travel, and mobile devices while eliminating brokers and reducing fees.

The company has grown fast. Klubi's portfolio has surpassed $370 million, and annualized revenue reached approximately $33 million, roughly three times the prior year. Partnerships with major Brazilian automotive and marketplace platforms, including Kavak, OLX, and Localiza, have accelerated user growth. In late 2025, Klubi secured an additional $5.9 million in a Series A extension, bringing total financing over the prior year to approximately $14.2 million.

For a fintech operating at this scale in Brazil, communications infrastructure is not a back-office concern. It is part of the product. Klubi's AI assistant, Kris, handles roughly 200,000 customer interactions per month across sales, support, and collections, with a first-contact resolution rate around 90%. That volume depends on a telecom layer that can reliably reach customers across the country.

The Problem: A Provider That Could Not Keep Up With Growth

Klubi was running on Twilio. As the company scaled its voice operations across Brazil, the limitations became clear. Twilio's coverage could not support the geographic reach Klubi required. Brazil is a continent-sized country with complex regional telecom requirements, and a provider that performs well in São Paulo may not deliver the same quality in smaller markets across the northeast, north, or south.

Pricing was also a constraint. At Klubi's call volumes, small per-minute differences compound quickly. The buying experience left room for improvement, too. Klubi was actively testing alternatives, but no other provider could match the combination of coverage, support, and pricing they needed.

The technical use case made the gap especially acute. Klubi runs inbound AI calling, meaning customers initiate calls that are answered by AI agents. If the telephony infrastructure cannot reliably terminate and route those calls across Brazil, the AI never gets to do its job. A dropped call is not just a support issue. It is a lost customer interaction.

Migration to Telnyx: Full-Stack Voice Infrastructure for a Full-Stack AI Operation

Klubi migrated to Telnyx for SIP trunking, routing, programmable voice, and voice AI integration. The migration addressed the core pain points that drove them away from Twilio: coverage, cost, support, and operational simplicity.

Coverage was the deciding factor. Telnyx operates as a licensed carrier with infrastructure that reaches across Brazil in ways aggregated providers often cannot. Calls need to terminate reliably whether the customer is in São Paulo, Salvador, Manaus, or Porto Alegre. Telnyx's carrier infrastructure provides that reach without relying on layers of intermediary networks that can introduce latency and failure points.

Pricing aligned with Klubi's scale. Telnyx's single-margin model means Klubi is not paying stacked markups across multiple vendors. One provider, one bill, one pricing structure. At roughly 200,000 voice interactions per month, that structural cost advantage matters.

The buying experience and ease of use also factored into the decision. Klubi's engineering team could integrate programmable voice APIs and SIP trunking without stitching together multiple vendor SDKs, dashboards, and support queues. One API surface, one set of docs, one operational domain.

With the migration complete, Klubi runs its AI-powered inbound calling on Telnyx infrastructure. Kris handles sales, support, and collections conversations on a carrier network built for national reach. The low delinquency rates Klubi sustains are partly a function of how reliably those AI-driven collection calls reach customers across Brazil.

What This Means for LATAM

Klubi's story is specific to one company, but the pattern applies across Latin America. Fintechs in Brazil, Mexico, Colombia, Argentina, and smaller markets face a similar challenge: scaling voice-dependent operations across geographies that global providers often treat as secondary.

When a fintech needs AI-powered voice calls to reach an entire country, infrastructure determines whether the AI reaches customers everywhere or only performs well in the largest cities. Klubi chose Telnyx because the coverage extended to where their customers live, not just where provider infrastructure is most concentrated.

The same dynamic applies to cost. LATAM fintechs often operate on thinner margins than their US or European counterparts, and stacked vendor pricing compounds quickly. Telnyx's single-margin model makes voice AI infrastructure more accessible to companies that cannot absorb the cost of a Frankenstack.

As Klubi expands into insurance brokerage and continues growing its consortium portfolio, the voice infrastructure underneath scales with it. More regions, more call volume, more AI-driven interactions, all running on the same carrier network. For LATAM fintechs building similar operations, the lesson is straightforward: the provider that covers your whole country, not just your biggest city, is the one that lets your AI do its job.