
A Brazilian credit veteran arrived in Miami, landed in the algorithm’s blind spot, and built OneBlinc around a stubborn question: what if a score is only the beginning of the story?
The Miami fintech built a data engine around public-sector payroll loans, raised a $100 million credit facility, and then watched higher rates squeeze the model. Its answer was a fast pivot to a smaller, subscription-priced payday bridge - and a revealing lesson in knowing when your first product has become your baggage.