Installment payment infrastructure for digital product creators in Brazil
TMB operates a fintech focused on installment payments via boleto and Pix for infoprodutores (digital product creators). The tech stack—C# + .NET + PostgreSQL + Kafka + Redis + Kubernetes—supports real-time transaction processing and fraud detection, while active projects around fraud monitoring dashboards and risk segmentation indicate a company tuning toward payment reliability over raw throughput. Hiring remains concentrated in engineering and sales, with recent tech lead additions, suggesting infrastructure maturation and early sales scaling.
Notable leadership hires: Tech Lead
TMB is a fintech serving digital product creators in Brazil who want to offer installment purchasing to customers. The platform enables payment via boleto and Pix, handling not just transaction processing but also collections—the company operates its own recovery team to track delinquent accounts and maximize recoverability. The business model centers on helping creators expand revenue by lowering purchase friction (installments broaden who can afford a product) while maintaining financial predictability through built-in collections and risk management. The company operates from São José dos Campos, São Paulo, with a 51–200 person team focused on payments, fraud prevention, and customer success.
TMB's backend runs C#/.NET on PostgreSQL with Kafka and RabbitMQ for messaging, Redis for caching, and Kubernetes on Azure for orchestration. Frontend uses React/Next.js + TypeScript. Observability via Grafana and Prometheus; CI/CD via Azure DevOps.
TMB's top active projects include real-time fraud monitoring dashboards, continuous fraud-rule improvement, risk segmentation, infrastructure automation via Terraform, and customer journey mapping—all aimed at reducing delinquency and balancing conversion with security.
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