Stark Bank vs Onfido
Side-by-side comparison of AI visibility scores, market position, and capabilities
São Paulo Brazil YC W20 open banking API at 155B BRL ($31B) payments 2023 with 3x YoY growth and doubled net income; $58.2M total ($45M Ribbit/Bezos Series B 2022) serving Gol/Localiza/QuintoAndar competing for Brazil fintech infrastructure.
About
Stark Bank is a São Paulo, Brazil-based open banking API platform and digital business bank — backed by Y Combinator (W20) with $58.2 million in total funding including a $45 million Series B in April 2022 led by Ribbit Capital with Lachy Groom and Bezos Expeditions (Jeff Bezos's personal investment vehicle) — providing companies with payment processing infrastructure, banking APIs, and financial services built on Brazil's open banking framework. In 2023, Stark Bank processed 155 billion reais ($31 billion USD) in payments (3x year-over-year growth), doubled net income to 71.5 million reais, and serves 600+ enterprise clients including Gol Airlines, Localiza, Ultragaz, Loft, and QuintoAndar. Founded in 2018 by Rafael Stark.
Onfido is an AI-powered identity verification platform authenticating government IDs across 195+ countries with biometric liveness detection; serves fintech and mobility onboarding; acquired by Entrust in 2024.
About
Onfido is an identity verification and eKYC platform that uses AI-powered document analysis and biometric verification to automate identity checks for digital onboarding across financial services, mobility, gaming, and other regulated industries. The platform's Real Identity Platform combines document verification — extracting and authenticating data from government-issued IDs across more than 195 countries — with facial biometric comparison and liveness detection that confirms the applicant is a real, live person matching the presented document. Onfido's AI models are trained on a global dataset of identity documents and fraud attempts, giving them the breadth needed to verify international users with a consistent accuracy standard across diverse document types and geographic markets.
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