São Paulo · Serving Brazil and the world.
L8 Capital is an independent pricing and monetization advisory. We help credit institutions, digital companies and investment funds turn pricing into a discipline — through elasticity and propensity modeling, rigorous experimentation and AI deployed in production, with the method that redefined pricing at Latin America's largest bank.
The decision infrastructure of business is being rewritten by artificial intelligence. Yet while attention flows to service, content and code, the lever with the most direct impact on profit remains untouched in most organizations: price.
Classic strategy research holds that a one-percentage-point improvement in price yields more operating profit than the same improvement in volume or cost — and still, most companies price by rate card, inheritance and intuition. Across credit portfolios, subscription plans and marketplace take rates, uncaptured margin is measurable, recurring and silent.
The window is open now, at its widest: those who adopt adaptive price decisioning — elasticity and propensity models operating in production, under continuous experimentation — capture margin their competitors have not yet learned to measure. L8 Capital exists for that crossing: from the static rate card to the living decision.
An integrated pricing and monetization advisory, delivered under a single standard of rigor.
Diagnosis and optimization of prices, rates, fees and plans. Elasticity and propensity modeling, willingness-to-pay segmentation, discount architecture and the quantification of uncaptured margin — by product, segment and channel.
Every engagement begins with a question answerable in a number: how much is being left on the table, and where.
The migration from rule-based pricing to model-driven decisioning in production — propensity, elasticity and risk operating in real time.
Includes the deployment of AI agents for pricing studies, scenario simulation, financial projections and change governance — the method our founder pioneered at banking scale.
The commercial layer of price: offer architecture and packaging, cross-sell and upsell sequencing, channel routing, unit economics and LTV/CAC discipline.
For new products, monetization designed at launch — not retrofitted after it.
The founding specialty. Risk- and elasticity-based rates for credit portfolios; propensity-driven collection strategies; the balance of financial margin, acquisition and delinquency.
A method forged on portfolios of millions of accounts.
No recommendation without a test design. A/B testing and causal-inference frameworks accompany every price move, with impact measured before and after implementation — so that decisions rest on evidence, not opinion.
The same pricing discipline, expressed across three fronts.
Credit unions, consumer finance companies and credit fintechs. Sizable portfolios, uneven pricing sophistication, measurable margin on the table. The door in is the L8 Pricing Benchmark — a reading of your rate position against peers, built on public Central Bank of Brazil data.
For venture capital and private equity funds, pricing is the most neglected value-creation lever in the portfolio. L8 works at two moments: before the investment, through monetization due diligence — how much pricing upside exists in the target, and at what cost of capture; and after it, through diagnostics and transformation mandates at portfolio companies. One relationship, value distributed across the entire portfolio.
SaaS, marketplaces, subscriptions and platforms. Plan architecture, take rates, usage-based pricing, revenue expansion across the installed base. For companies at scale, the transition from price as a spreadsheet to price as a system.
Every engagement with L8 Capital begins with a written mandate, with defined scope and defined deliverables. Four forms, depending on the situation.
Four to eight weeks. A reading of the portfolio or funnel, preliminary elasticity modeling, quantification of uncaptured margin and a prioritized capture plan. The deliverable is a defensible number and a path — not a shelf report.
A defined engagement with a defined deliverable: the end-to-end implementation of a new pricing discipline — models, experiments, change governance and the upskilling of the internal team. L8 builds with the client, not for the client.
A standing, non-exclusive mandate: the function of a senior head of pricing, on a fractional basis. A monthly cadence of decisions, review of price moves, reading of experiments and direct counsel to leadership. For organizations that need the seniority before they can carry the structure.
A standing arrangement with the fund: monetization due diligence on new theses, express diagnostics at portfolio companies, and portfolio sessions on pricing and unit economics. The fund offers its companies a resource none of them would retain alone.
Mandates are bespoke. Terms and fees are discussed privately.
Each quarter, L8 Capital publishes the L8 Pricing Benchmark — a consolidated reading of rates, fees and spreads across Brazilian credit institutions, built exclusively on open data from the Central Bank of Brazil, comparing institutions by product line, size and region, with estimates of uncaptured margin by profile.
Tailored editions — your institution's position against its relevant peer group — are prepared upon request, at no cost and with no obligation. It is, quite often, the first conversation.
We treat every price as a living decision — with an owner, a hypothesis and a measured impact — never as operational inheritance.
Every price move is born in a model and settled in a measured experiment. Recommendations without a test design do not leave this firm.
The work is finished only when the decision runs inside the client's systems — integrated, governed and auditable. Analysis that never becomes operation is cost.
Every mandate transfers capability: method, tooling and judgment remain with the client. Dependency is not a business model.
We sell no software, resell no platforms, accept nothing from vendors. L8's only revenue is the client's fee — and therefore its only loyalty.
Built from day one on applied AI — and disciplined by the governance, audit and control standards of Latin America's most regulated environment.
L8 Capital is born of eighteen years of practice at Itaú Unibanco, Latin America's largest private bank — across credit products, commercial channels, recovery and, ultimately, the leadership of pricing and analytics for a portfolio exceeding R$ 2 billion.
It was on that ground that the method proved itself: the migration from rule-based pricing to adaptive decisioning driven by propensity, elasticity and risk models; the pioneering application of generative AI and agents to deep pricing studies, recognized as a reference across a six-hundred-person division; experimentation and causal-inference frameworks operating over millions of accounts; and the leadership of executive decision rooms — from the Cross-Sell Room to the 2020 Crisis War Room, alongside the world's leading strategy consultancies.
Executive training in AI for Business at the Wharton School and in Private Equity & Venture Capital at Insper completes the grammar: that of the technology that decides, and of the capital that invests.
Engagements are by introduction or direct inquiry. Correspondence is confidential.
São Paulo, Brazil
Initial conversations are conducted under confidentiality and without obligation.