Nubank launched on Monday (24) the “Nu Limite Garantido” (Nu Guaranteed Limit) feature, which allows users of the digital bank to increase the credit limit of their card with the invested money as collateral.
With this function, increasing the credit with the invested money is possible – provided that the minimum balance is R$1 – without requiring analysis to release a new limit.
Thus, if R$1,000 are invested in RDB mode (an option that earns 100% of the CDI), the same value will be converted into credit that you can use as you wish on the card (US$1 is equal to R$5.03).
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Nubank is the largest fintech bank in Latin America
The review of a request for a higher amount takes a few days.
If the consumer uses this “extra limit” to buy a product or pay for a service, the amount invested remains blocked until the total amount is paid.
“Nu Limite Garantido” is still being rolled out gradually and may not be available to the entire community at this early stage.
As the largest fintech bank in Latin America explains, when customers click on “Nu Limite Garantido,” they will be redirected to the Cashier Creation Flow, where they must create a specific cashier for this purpose.
Nubank emphasizes that only the amount invested is converted into a credit limit without being added to net income.
Live Company IntelligenceNu Holdings Ltd — the full investor dossierInside: live share price, market cap, three-year financials, valuation, ESG and peer benchmarks — plus the latest Rio Times coverage.
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◆ Live Company Intelligence
Nu Holdings
NYSE: NUNUBANKFinancial ServicesBanks – Regional
$59.08B
Market cap
Analyst target $18.69
Wall Street view
3.7Moderate Buy/ 5
11 Buy7 Hold2 Sell
Avg. price target $18.69 · +26% vs 200-day
Valuation & profitability
Market cap$59.08B
Revenue (TTM)$8.44B
P / E ratio18.5
Profit margin42.7%
Return on equity31.6%
Price & risk
52-wk low $11.2052-wk high $18.98
Beta (volatility)0.94
200-day average$14.78
Revenue trend · 6y
20202025
Latest $15.88B
Ownership
Institutions82.2%
Shares outstanding3.81B
Top holderBlackRock Inc
Institutional holders5+ funds
Dividend
No regular dividend — earnings reinvested for growth.
What Nu Holdings does. Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. The company provides spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit…
