Flaviopédia Português
Brazil that Prospers

CAIXA as the Prosperity Bank ("Banco da Prosperidade")

the hand that helps Brazilians move up in life

Proposes turning CAIXA into the Prosperity Bank, with a single platform for credit, guidance and housing, and creating Ganha-Ganha, which turns actions such as paying bills on time into credit and lower interest.

In the program: [p. 46] · Translated by Flaviopédia from the official Portuguese text; the Portuguese quote is authoritative. Read the original in Portuguese

What the program says

Credit to start a business, financing for a home, guidance to get out of debt do not reach citizens on their own. Someone has to bring them. And for this, Brazil has an asset that few countries have: CAIXA (Caixa Econômica Federal, the federal savings bank), one of the largest service networks in the world, present in almost every municipality, with the historical trust of the population. We will not create a new structure: we will give a new mission to the one that already exists and already belongs to Brazilians. CAIXA will stop being merely the benefits operator and become the “Banco da Prosperidade” (“Prosperity Bank”). Just as private banks help their clients build wealth and carry out projects, CAIXA will help millions of Brazilians acquire the first assets of their lives and financial autonomy. On an integrated physical and digital platform, citizens will find in one place credit, financial guidance, support for entrepreneurship, housing and the regularization of their homes, with artificial intelligence that identifies the right opportunities for each person’s stage of life, instead of leaving citizens to guess what they are entitled to. The great innovation will be the “Ganha-Ganha” (“Win-Win”), a program in which the State recognizes those who do their part. Voluntary to join, it allows actions such as completing a vocational training course, formalizing a business, getting a job or keeping bills paid on time to build a positive track record that works in the citizen’s favor: access to credit, lower interest rates and cashback for those who are invisible to the financial system today. The data belong to the citizen and serve the citizen, not the State. Those who have always done the right thing but never had a way to prove it will now have one. That is how each person’s effort turns into real prosperity: with an institution that does not just pay benefits but opens the way. [p. 46]

In plain language

  • The program proposes giving CAIXA a new mission, without creating a new structure: to stop being only a benefits operator and become the Banco da Prosperidade, to help people acquire their first assets and financial autonomy.
  • It provides for an integrated physical and digital platform where citizens find in one place credit, financial guidance, support for entrepreneurship, housing and home regularization. The platform would use artificial intelligence to point out the opportunities suited to each person’s stage of life.
  • It proposes creating Ganha-Ganha, voluntary to join. Under it, actions such as completing a vocational training course, formalizing a business, getting a job or keeping bills paid on time are recorded and count in the citizen’s favor, with access to credit, lower interest rates and cashback for those who do not appear in the financial system today.
  • The text states that the data belong to the citizen and serve the citizen, not the State.

What is not in the program

  • It does not give amounts for credit, interest-rate reductions or cashback under Ganha-Ganha, nor the source of funds.
  • It does not say which personal data the platform and Ganha-Ganha would use nor how they would be protected.
  • It does not name the legal instrument for changing CAIXA’s mission.
  • It gives no timeline, cost or numerical service targets; the text only speaks of millions of Brazilians.