Influence market: in a segment that moved more than R$ 31.32 bi, Idea Player app debuts with a partnership between ApliCap and a retail chain with more than 300 stores

A Idea Maker's, fintech that develops solutions for e-commerce products with incentivized sale, means of payment and data management, announces the launch of Idea Player, white label platform to serve the retail market and influence in a regulated way 100%. The launch takes place initially in partnership with ApliCap Capitalization, specialist in the modalities Premiable and Incentive Philanthropy.

The platform works as a complete sales and campaign management system, allowing you to create and administer fully regulated promotions and sweepstakes.By being able to support thousands of simultaneous transactions, the technology organizes the distribution of coupons or lucky numbers and generates detailed reports for performance tracking, offering companies a secure and scalable structure to conduct digital campaigns.

Idea Player arrives at a time of expansion of a sector that moved more than R$ 31.32 billion in the last months of 2025, according to data from the second data of the Superintendence of Private Insurance (Susep). In this scenario, the demand for technological infrastructure capable of modernizing the distribution of capitalization securities, maintaining the regulatory rigor required by the insurance market also grows.

“The capitalization market is highly regulated and requires a robust structure to grow safely. The capitalizer remains responsible for the product and regulation, while we enable the technological infrastructure that connects distributors and consumers in an organized and traceable manner”, says Rafael Melo, COO of Idea Maker.

In the operation, the responsibility of capitalizers, such as ApliCap, ranges from the issuance of securities to the payment of the recipients, ensuring adherence to current regulations. Although the payment infrastructure is operated by fintech, the amounts collected are directed directly to the account of the capitalizer, ensuring full regulatory compliance.

“We digitize a model that is already known to the public, but within a fully regularized environment. The technology allows scale, but with governance. This differentiates a structured operation from informal initiatives that exist in the market. Our role is not to intermediate the financial product, but to offer the technological layer that guarantees stability, traceability and data management in real time”, Melo adds.

In addition to the checkout, Idea Player has a backoffice that allows you to register campaigns, set up prizes, track sales in real time and access detailed performance reports by region, time and business performance.

From digital to physical retail: the first case

The first project of the platform went into production in partnership with Lojas Lebes, a retail chain in Rio Grande do Sul with more than 300 points of sale. For the operation, Idea Maker and ApliCap developed Baita Chance, a capitalization title in the award-winning philanthropy modality.In this model, the retailer acts as a distributor and the integration between capitalizer, fintech and retail allows the entire journey 1 from sale to draw & to occur within a structured, transparent and prepared environment for large volumes of operation.

Baita Chance emerges as a case that demonstrates how the combination of regulatory expertise, financial technology and retail capillarity can create a modern, secure and replicable ecosystem for promotional campaigns via capitalization. For ApliCap, the technological infrastructure was what changed the game: “A platform ensures real-time traceability, operational efficiency, legal certainty and greater control in campaign management. In practice, this reduces friction in service, allows more strategic campaigns and strengthens performance at the point of sale, making the capitalization title a more scalable and data-oriented product in retail”, comments Marcio Fritsch, director of ApliCapitalization.

Rafael Melo, COO Idea Maker, adds: “The partnership demonstrates how the technology can be applied both in digital environments and in physical retail, maintaining the same compliance and operational control base.At the end of the day, it is a replicable model for different distribution profiles and that expands the distribution channels of the” products.