Koin is a Brazilian fintech company offering digital payment solutions, including buy now, pay later (BNPL) and digital installment plans. Their services include Pix installments, payment gateway, anti-fraud tools, and a marketplace. Koin allows users to make purchases without using credit cards, offering flexibility in payment terms up to 12 installments. Their target audience includes consumers and retailers across Latin America. The unique selling proposition is the ability to provide installment payments without requiring a bank account or impacting credit card limits, making financial services more accessible.