AGI Inc (AGBK) details Brazil-focused hybrid digital bank and smart hub network

(Neutral)

Form Type

6-K

Rhea-AI Filing Summary

AGI Inc submitted a report that includes its earnings call presentation for 4Q25. The materials describe a strategy focused on helping consumers access their benefits and payrolls, provide credit, and manage their finances more effectively.

The company positions itself as a digital bank with a nationwide retail network of smart hubs in Brazil, targeting social security beneficiaries and payroll workers, described as around 100 million people or about half of the country’s population. AGI highlights a hybrid model that uses artificial intelligence and advanced technologies to offer faster, better targeted, asset-light financial services while aiming to bridge gaps in both legacy and fully digital banks.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 03/23/2026 - 04:42 PM

FAQ

What does AGI Inc (AGBK) focus on in its business model?

AGI Inc focuses on helping consumers access benefits and payrolls, obtain credit, and manage finances. It emphasizes engagement to become customers’ primary bank, while using technology and AI to deliver faster, better targeted, lower-risk financial services across Brazil.

Which customers does AGI Inc (AGBK) primarily aim to serve in Brazil?

AGI Inc primarily targets social security beneficiaries and payroll workers in Brazil. The presentation notes this group covers about 100 million people, roughly half of the country’s population, offering a large base for its financial services and engagement strategy.

How does AGI Inc (AGBK) describe its banking model in Brazil?

AGI Inc describes a hybrid model that combines a digital bank with a nationwide retail network of smart hubs. This structure is intended to offer convenient access, faster service, and better-targeted credit while remaining asset-light and aiming for lower risk than traditional approaches.

What technology does AGI Inc (AGBK) highlight in its strategy?

AGI Inc highlights the use of artificial intelligence and advanced technologies to differentiate its services. These tools aim to improve targeting, speed, and risk management, helping the company bridge gaps and weaknesses found in both legacy banks and fully digital competitors.

What is the purpose of AGI Inc’s engagement flywheel strategy?

AGI Inc’s engagement flywheel strategy aims to deepen customer relationships so it becomes their primary bank. By helping users access benefits, payrolls, and credit, the company seeks recurring interactions that reinforce loyalty and support growth and profitability over time.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of March 2026

Commission File Number: 001-43114

AGI Inc

(Exact name of registrant as specified in its charter)

N/A

(Translation of registrant’s name into English)

Rua Sergio Fernandes Borges Soares, 1000, Prédio E1
Campinas, SP
13054-709 Brazil
+55 19 3031-4000
(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:

Form 20-F

Form 40-F

EXHIBIT INDEX

Exhibit No.	Description
99.1	Earnings Call Presentation 4Q25

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

AGI Inc


By:	/s/ Marcello Winnik Dubeux
	Name:	Marcello Winnik Dubeux
	Title:	Chief Financial Officer

Date: March 23, 2026

4 Welcome to • Help Consumers Access Their Benefits & Payrolls • Provide Credit & Manage Their Finances in a Better Way • Engagement Flywheel → Become Their Primary Bank • Leverage AI & Advanced Technologies to Differentiate • Bridge the Gaps & Weaknesses of Legacy & Digital Banks • Faster + Better Targeted Service + Asset-Light + Lower Risk • Digital Bank + Nationwide Retail Network of Smart Hubs • Serve Social Security Beneficiaries & Payroll Workers (~100 million people or ~50% of Brazil’s Population) • Developed & Scaled a New Approach to the Market Unique Go-to-Market Approach Superior Hybrid Model Valuable Competitive Advantages Who What How Driving Growth & Profitability