Visibility first.
A continuous intelligence layer that moves with risk. Because risk never stops.
Born from the problem.
In 2022, our founding team ran one of the largest vehicle subscription platforms in Latin America. Every day, the same failure: risk assessed once, at onboarding, with static data. Then silence — until the claim, the fraud, the loss.
Insurance partners priced off census tables. Fleet operators flew blind. Investigators spent weeks reconstructing events that GPS and behavioral data could explain in minutes.
We didn't set out to build a startup. We set out to fix a broken pipeline. The result was Zarv — a continuous risk intelligence layer that turns behavioral data into decisions.
What we believe.
Data over opinions
Every decision at Zarv is backed by behavioral data. We don't sell confidence — we sell evidence.
Continuous over static
Risk changes every second. Check once, miss everything that matters.
Evidence over assumptions
From underwriting to claims, we generate proof — not predictions. Court-ready, regulator-ready.
Infrastructure over features
We build the intelligence layer — the data foundation that makes everything else smarter.
Results that speak.
Behavioral and location data analyzed continuously, at scale.
Real-time vehicle signals monitored continuously across the country.
Insurance, financial services, mobility, and public safety — where risk carries real consequences.
Meet the people behind Zarv.
“We help companies make faster, fairer decisions in an uncertain world — turning real-world data, AI, and automation into clarity where there used to be guesswork.”
Our Offices
Three cities. Visit us or reach the nearest office.
Florianópolis (Tech Hub)
Rod. José Carlos Daux, 4150 Saco Grande – Florianópolis, SC 88032-005 – Brazil
View on Google Maps→See risk before it costs you.
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