We advise participants in the financial and payments markets, including fintechs, regulated institutions, investors, and economic groups, on the structuring, implementation, and expansion of their operations, providing comprehensive legal support in regulatory, corporate, and contractual matters.

Our approach combines technical knowledge of the framework applicable to the National Financial System and the payments market with practical experience in innovative business models, allowing for the structuring of operations in an efficient and secure manner, aligned with the requirements of the Central Bank of Brazil, the National Monetary Council, and other competent regulatory authorities.

Main services

Structuring and authorizing regulated institutions.

Advisory services in the establishment and obtaining of operating licenses for financial institutions and regulated entities, including payment institutions, SCDs, SEPs, and other models provided for in the Central Bank of Brazil's regulations.

Modeling financial products and services

Legal structuring of financial products and services, including credit, payment methods, banking as a service (BaaS), and embedded finance, with a focus on regulatory compliance and operational efficiency.

Regulatory advisory services before the Central Bank

Support in authorization processes, regulatory consultations, compliance with regulatory requirements, and interaction with the Central Bank of Brazil (Bacen) and other regulatory bodies.

Governance and regulatory compliance

Implementation of governance structures, internal policies and compliance programs, including AML/CFT, internal controls, risk management and compliance with the LGPD (Brazilian General Data Protection Law) and Open Finance.

Strategic partnerships and operational models

Structuring and negotiating partnerships between fintechs, financial institutions, and technology companies, including BaaS models, product distribution, and integration of financial services.

Reorganizations and structuring of groups

Corporate reorganizations, structuring of holding companies, and definition of operational models for expansion, raising investment, and compliance with regulatory requirements.