C6 Bank

At a glance
Project year
Bank type
Cloud partner
C6 bank cards

C6 Bank has grown at unprecedented speed in just four years, serving more than 25m customers in its home region of Brazil. 

In addition, C6 Bank has a strategic ambition to deliver the leading digital banking experience in the Latam region. C6 selected Vault Core and adopted an agile, flexible platform suitable for developing a specific service to measure a client’s carbon footprint. 

One of C6 Bank’s strategic aims is to launch products in the market that truly redefine digital banking in the region, including ESG-centric products that positively impact the environment. 

The bank built a carbon footprint tool, which is now live on Vault Core: the first product of its kind in Brazil. Additionally, C6 Bank purchases credits generated by socio-environmental projects in the Amazon rainforest and is part of the Movimento Ambição Net Zero, a UN Global Compact initiative in Brazil.

The solution

The carbon footprint tool, now live on Vault Core, was built and launched entirely by C6 Bank. Currently, Vault Core shadows a ledger running in the bank, collecting transaction history and passing it to a specialised CO2 calculation engine. The CO2 calculation engine provides the data for C6 Bank customers to observe and offset their CO2 emissions for purchases such as card or Pix transactions. 

Clients can also offset their carbon footprint if they want to do so. C6 Bank makes no profit from these transactions and charges no fees. The focus of the tool is consumer awareness, more than offsetting carbon emissions, as the bank wanted to encourage customers to become aware of emissions and adopt measures to reduce their footprint. The product is being used successfully by significant volumes of end-user customers. As of July 2023, more than 2000 tonnes (2 million kilograms) of CO2 were offset using the tool.


As we embarked on our project to build Brazil’s first automatic carbon footprint calculator product in a bank’s app, we needed to partner with a world-class core banking technology provider.

We selected Vault Core for its product quality and modern design: it is highly performant and event-driven. It allows us to access data in real-time, and scale quickly.

Nelson Novaes
C6 Bank
C6 Yellow cards
Our story

C6 Bank is a full-service digital bank offering various products, including checking and savings accounts, debit and credit cards, multi-currency global accounts, investments, and lending products. The bank is 40% owned by JPMorgan Chase, which acquired a portion of the bank in 2021.

Growing at speed requires the right infrastructure and technology. While mainframe hardware has the potential to handle high throughput and volume, scaling it is a vertical endeavour, requiring the provision or installation of additional CPUs, storage, or memory to handle higher workloads. The cloud, on the other hand, scales horizontally as required.

By running in the cloud, our platform distributes processing across multiple servers and requests additional resources when needed. Conversely, it only uses the hardware and servers it needs in quieter periods, thereby offering efficiency benefits for banks compared to always-on hardware.

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