Blu is a digital banking institution based in Brazil, operating in the financial technology sector. Established in 2013, the company primarily serves retail businesses, offering them a range of financial services and solutions. Blu's primary offering is a digital account that allows retailers to manage their financial transactions, including payments, transfers, and bill payments.

One of Blu's key differentiators is its innovative approach to credit card receivable management. The company allows retailers to use their future credit card receivables to pay their suppliers, thereby helping them save money and manage their cash flow more efficiently. This service is offered at zero advance fee, which is a significant advantage for businesses looking to minimize their operational costs.

In addition to this, Blu also offers a free point-of-sale (POS) machine rental for the first two months, and does not charge any fees for account opening or closing. The company makes money by charging a maintenance fee for inactive accounts.

Blu is regulated by the Central Bank of Brazil and is committed to providing cost-effective digital banking solutions to the retail sector. Unlike other POS machine companies, Blu aims to help businesses avoid unnecessary fees, thus positioning itself as a more economical and efficient financial solution for retailers.

Keywords: Digital Banking, Financial Technology, Retail Businesses, Credit Card Receivables, Supplier Payments, Zero Advance Fee, Point-of-Sale Machine, Central Bank of Brazil, Cost-Effective Solutions, Financial Transactions.