At Serasa Experian, the first and largest datatech company in Brazil, launched today SerasaPass, a unified digital wallet that integrates identification data and payments in a single directory. Developed less than a quarter after the acquisition of ClearSale, the solution allows registrations and transactions in digital environments, such as websites and applications, with just one click, without the need to create different logins and passwords for each online registration. By centralizing records and authentications in an agile and automatic way, SerasaPass offers more security, autonomy, and agility to the consumer, reducing the risk of fraud to near-zero levels, since their data is stored in a secure environment of Serasa Experian.
The solution is linked to the Serasa application, used by almost 100 million Brazilians, and connected to the datatech’s database, which covers over 60% of the country’s banked population. Bringing together the largest digital consumer behavior base in the country with a new generation of digital authentication, SerasaPass reduces the average time of operations in digital environments from 3.5 minutes to just 30 seconds – an 86% reduction – by consolidating multiple registrations into a single digital identity.
“In the physical world, RG and CNH are unique identifiers, and the consumer always presents the same documents in any registry or purchase to prove to the commercial establishment that he is himself. On the internet, we are born without a universal ‘identity card,’ so it is necessary to create a registration for each site or accessed application. Creating always the same passwords is risky and opens the door to frauds and scams, while so-called strong and different passwords are complex for the consumer, who must remember the data for each transaction. SerasaPass comes to be this digital identity card, bringing security in the storage of personal data and ease when registering or purchasing online,” explains Marcelo Queiroz, Leader of Authentication and Fraud Prevention Projects at Serasa Experian.
The Identity and Fraud Report 2025 by Serasa Experian reveals that the main concerns of Brazilian consumers in the digital environment are the misuse of personal data (41.4%) and credit card frauds (27.5%). At the same time, there is a clear demand for simpler and safer experiences. Also, according to the study, 81.4% of consumers value convenience, 70.5% want to be easily recognized on platforms, and 77.1% prioritize fast and uncomplicated registration processes. In contrast, 31.4% say they would abandon a purchase if faced with excessive authentications — highlighting that security and fluidity must go hand in hand.
With the advancement of Pix, open finance, and stricter authentication regulations, Brazil enters a new cycle for digital security. SerasaPass is launched from this, as a solution designed to strengthen digital identity and meet the growing demands for trust and protection in online interactions.
“Think about how many registrations you made in the last year on apps, stores, and services. SerasaPass reduces all of them to one – with more security, autonomy, and speed. It is the secure ‘pocket’ where the user keeps their digital identity, gaining more control over their own data”, highlights Queiroz. “With this solution, the user no longer needs to type or send their data for each purchase, which drastically reduces the risks of fraud and ensures a simpler and faster journey”, concludes.
With SerasaPass, the user can securely and encrypted store documents, credentials, and payment data, creating a reliable identity ecosystem. The technology acts as an identity provider, credential issuance and monitoring hub, and payment as a service platform, allowing authentication and payment to occur in a single flow, without friction, in financial institutions, e-commerce, and various digital products. The solution is ready to integrate into digital retail, financial institutions, fintechs, regulated services, and other market segments
With registrations and payments in a single click, without the need to constantly fill in data and faster checkout, the solution also reduces the risk of fraudulent activities to a minimum level – close to zero, since the 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 the potential to greatly reduce cart abandonment and boost consumers’ digital journey. In addition, the solution is connected to payment gateways and real-time anti-fraud mechanisms.
“SerasaPass is an infrastructure solution. It delivers less friction for the user, more security for the business, and a new way to authenticate identities efficiently. With it, Serasa Experian takes a decisive step to transform the digital experience in the country, establishing a new standard of security, practicality, and trust for consumers and businesses, which can also be used in the physical world,” Queiroz reinforces.
