Serasa Experian, Brazil’s first and largest datatech, today launched SerasaPass, a unified digital wallet that integrates identification and payment data into a single directory. Developed less than a quarter after the acquisition of ClearSale, the solution enables registrations and transactions in digital environments, such as websites and apps, with just one click, eliminating the need to create different logins and passwords for each online registration. By centralizing records and authentications in a fast and automated manner, SerasaPass offers greater security, autonomy, and speed for consumers, reducing the risk of fraud to near-zero levels, as their data is stored in Serasa Experian’s secure environment.
The solution is linked to the Serasa app, used by nearly 100 million Brazilians, and connected to the datatech’s database, which covers over 60% of the country’s banked population. Combining the largest consumer digital behavior database in the country with a new generation of digital authentication, SerasaPass reduces the average time for digital operations from 3.5 minutes to just 30 seconds—an 86% reduction—by consolidating multiple registrations into a single digital identity.
“In the physical world, ID cards and driver’s licenses are unique identifiers, and consumers always present the same documents for any registration or purchase to prove their identity to businesses. Yet online, we are born without a universal ‘identity card,’ so we must create a registration for every website or app we access. Using the same passwords is risky and opens the door to fraud and scams, while strong and unique passwords are complex for consumers, who must remember them for each transaction. SerasaPass comes as this digital identity wallet, bringing security for personal data storage and convenience for online registrations or purchases,” explains Marcelo Queiroz, Leader of Authentication and Fraud Prevention Projects at Serasa Experian.
The Serasa Experian 2025 Identity and Fraud Report reveals that Brazilian consumers’ top concerns in the digital environment are misuse of personal data (41.4%) and credit card scams (27.5%). At the same time, there is a clear demand for simpler and more secure experiences. The study also shows that 81.4% of consumers value convenience, 70.5% want to be easily recognized on platforms, and 77.1% prioritize quick and hassle-free registration processes. In contrast, 31.4% say they would abandon a purchase if faced with excessive authentication steps—highlighting that security and seamless experiences must go hand in hand.
With the rise of Pix, open finance, and stricter authentication regulations, Brazil enters a new era of digital security. SerasaPass is launched in this context as a solution designed to strengthen digital identity and meet growing demands for trust and protection in online interactions.
“Think about how many registrations you’ve made in the past year across apps, stores, and services. SerasaPass reduces all of them to one—with more security, autonomy, and speed. It’s the secure ‘pocket’ where users store their digital identity, giving them more control over their own data,” Queiroz emphasizes. “With this solution, users no longer need to type or send their data with every purchase, drastically reducing fraud risks and ensuring a simpler, faster journey,” he adds.
With SerasaPass, users can securely and encryptedly store documents, credentials, and payment data, creating a trusted identity ecosystem. The technology serves as an identity provider, a credential issuance and monitoring hub, and a payment as a service platform, allowing authentication and payment to occur in a single, frictionless flow across financial institutions, e-commerce, and various digital products. The solution is ready from the start to integrate into digital retail, financial institutions, fintechs, regulated services, and other market segments.
With registrations and payments in just one click, eliminating the need for constant data entry and speeding up checkout, the solution also reduces the risk of fraudulent activities to a minimal level—close to zero—since data is managed with consent and shared directly with the sites where the identity is used. This makes the journey safer and more reliable without sacrificing fluidity.
By optimizing steps, reducing registration and payment time, and ensuring secure validations, SerasaPass has significant potential to reduce cart abandonment and enhance consumers’ digital journeys. Additionally, the solution is connected to payment gateways and real-time anti-fraud mechanisms.
“SerasaPass is an infrastructure solution. It delivers less friction for users, more security for businesses, and a new way to authenticate identities efficiently. With it, Serasa Experian takes a decisive step toward transforming the digital experience in the country, setting a new standard of security, convenience, and trust for consumers and businesses—which can also be applied in the physical world,” Queiroz reinforces.
