Finance

Stone Co

AI-driven payments for Brazilian SMBs

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Pricing · PaidStable
The FalcoScan Intel PanelStone Co · Finance
Data updated 2 November 2026
Opportunity
Moderate
Band
Saturation
Contested
Band
Wrapper risk
Low
Band
Momentum
Stable
Market trend

Finance AI has a narrow moat on average, from the moat scores of its rated products. What protects Finance AI tools, and the widest moats

The Brief

What Stone Co does

Stone Co (NASDAQ:STNE) provides payment processing, banking, and software to 2M+ Brazilian SMBs. Uses ML for credit scoring and fraud detection. Backed by Berkshire Hathaway. São Paulo HQ.

How Stone Co compares with its closest alternatives

2 of the 5 closest alternatives have a free plan; Stone Co does not. All 5 offer an API, as Stone Co does. Stone Co offers a web app, a mobile app and hardware. Of the 4 alternatives with platforms on record, all 4 offer a web app, 3 offer a mobile app and none offers hardware. Stone Co was founded in 2012; the alternatives were founded between 1994 and 2014, 2 of them earlier. Stone Co is based in São Paulo, Brazil; 3 of its 5 alternatives are in Brazil too, and the others in Mexico and the Netherlands.

Market position · Finance

How Stone Co compares in Finance

Stone Co has moderate opportunity and sits in the bottom third of 392 live Finance tools on FalcoScan. Across Finance, the average opportunity score is 68.5 and the average saturation score 34.9. FalcoScan rates Stone Co's own market position as contested. 76 of the 392 operating Finance tools have hot momentum, and FalcoScan has recorded 6 shutdowns in the category.

Stone Co compared with its closest alternatives
ProductOpportunitySaturationPricingPricing fromFree planAPIPlatformsMomentum
Stone CoFounded 2012 · São Paulo, BrazilModerateContestedPaid—NoYesWeb, API, Mobile, HardwareStable
CloudWalkFounded 2013 · São Paulo, BrazilModerateOpenPaid—NoYesWeb, API, MobileRising
NubankFounded 2013 · São Paulo, BrazilHighContestedFreemium—YesYesWeb, API, MobileRising
KonfíoFounded 2014 · Mexico City, MexicoModerateOpenPaid—NoYesWeb, APIStable
Banco InterFounded 1994 · Belo Horizonte, BrazilModerateContestedFreemium—YesYesWeb, MobileStable
AdyenFounded 2006 · Amsterdam, NetherlandsHighContestedPaid—NoYesAPIRising

Exact opportunity and saturation scores for all 6 of these, and where each ranks in Finance.

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What it ships with

Capabilities & who uses it

The capabilities Stone Co exposes to builders and the verticals it currently serves.

AI Capabilities
Data AnalysisReasoningAutomation
Industry Verticals
FintechRetailSmb
Tagged

Stone Co shows up when builders search for these

fintechbrazillatampublic-companysmb
Similar tools · Finance

Alternatives to Stone Co

Products still running that do the same job, from the finance market and related ones, closest match first.

See the Finance market
Finance
CloudWalk

AI-driven payments and lending for Brazilian SMBs

Opportunity Moderate
Paid
Finance
Nubank

AI-driven neobank for Latin America

Opportunity High
Freemium
Finance
Konfío

AI-driven SMB lending in Mexico

Opportunity Moderate
Paid
Finance
Banco Inter

AI-powered super app and digital banking

Opportunity Moderate
Freemium
Finance
Adyen

AI-powered payments for global enterprises

Opportunity High
Paid
Finance
Bitso

Latin America's leading crypto exchange

Opportunity Moderate
Freemium
Featured in
Questions

Stone Co: common questions

Is Stone Co free?

No. Stone Co is a paid product.

What are the best alternatives to Stone Co?

The closest alternatives to Stone Co that are still running, matched on the AI capabilities, uses and audience they share, are CloudWalk, Nubank, Konfío, Banco Inter, and Adyen.

Is Stone Co still running?

Yes. As of 2 November 2026, FalcoScan lists Stone Co as operating at stoneco.com.br.

Where is Stone Co based?

Stone Co is headquartered in São Paulo, Brazil.

Does Stone Co have an API?

Yes. Stone Co offers an API.

Who is Stone Co for?

Stone Co is built for small businesses, enterprises, and merchants.

How do I sign in to Stone Co?

Sign in on Stone Co's own website, stoneco.com.br. FalcoScan reviews Stone Co but does not run its accounts, so logins, passwords and billing are handled by Stone Co directly.

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