About Us
We build the layer money moves through
Nord started in 2019 with a single question: why does a payment that takes 300 milliseconds need three days of reconciliation? We rebuilt the stack around that gap.
2019
founded in porto alegre
140
people, 11 countries
$4.2B
processed in 2025
99.99%
platform uptime
01 — Story
Six years spent on the boring part
Routing, retries, reconciliation, ledger integrity. The parts nobody demos are the parts that decide whether a payment business survives its own growth.
We serve fintechs, marketplaces, and subscription platforms that outgrew a single acquirer. Most arrive with an approval-rate problem and stay for the ledger.
01
Independent of any single acquirer or bank.
02
Every number on this site traces to a live dashboard.
03
No lock-in: your ledger exports in full, any day.
engineering
62% of the company
01 — Correctness
The ledger wins
When speed and accuracy disagree, we hold the transaction. A wrong balance costs more than a slow one.
02 — Transparency
Show the failure
Every decline carries a readable reason, every incident a public postmortem within 72 hours.
03 — Leverage
Automate the review
If a human checks the same pattern twice, it becomes a model. Manual review is a bug report.
03 — Leadership
Who answers when it breaks
RK
Ricardo Kruger
CEO & co-founder
Built settlement infrastructure at a Tier 1 acquirer before Nord.
MS
Marina Salgado
CTO & co-founder
Wrote the first routing engine. Still reviews the ledger code.
JO
Jonas Oliveira
Chief Risk Officer
Twelve years in fraud modelling across three regulated markets.
EV
Elin Vasquez
Head of Compliance
Runs the PCI and SOC 2 programmes and the incident reviews.
Backed by
Kvarn Capital
Tidal Ventures
Serra Partners
Ostlund
$38M Series B, led by Kvarn Capital
04 — Track record