BLU365 is an innovative debt negotiation platform that is transforming a +USD 1 B industry in Brazil by applying (1) sophisticated digital capabilities, aligned with (2) data science and (3) customer experience management tools to optimize the economics between lenders and indebted people who want to re-pay their debts. In one side we are improving the life of millions of Brazilians as we believe that indebted customers (more than 40% of the Brazilian adult population) should be treated fairly every time a debt collection effort is made. In the other, we are addressing major pain points for lenders and increasing their returns in a market that hasn't changed over the last 20 years.