Caveo

Caveo is a Brazilian financial platform designed specifically for physicians operating as independent contractors (Pessoa Jurídica). Founded in 2022 and headquartered in São Paulo, Brazil, Caveo provides an integrated ecosystem covering CNPJ (business entity) registration, digital accounting, invoicing, tax management, payment of tributes, and payroll management for doctors. The platform reduces annual administrative burden from an industry average of 600 hours to just 15 minutes per month by automating tax strategies that save doctors up to 30% on their tax burden. Caveo also offers a digital bank account, shift income management, and WhatsApp-based AI assistance. The company has served over 15,000 physicians across 21 Brazilian states.