PagSeguro Digital Ltd. (NYSE: PAGS) is a Brazilian fintech and digital-banking group operating the PagBank ecosystem. Launched by Universo Online (UOL) in 2006, it combines merchant acquiring, in-person and online payments (Moderninha POS devices), and consumer/merchant digital banking, plus investment, insurance and marketplace services. Headquartered in São Paulo, it serves millions of merchants and consumers across Brazil.