brd.capital provides regulated Brazilian Real (BRL) settlement infrastructure that connects banks, PIX, and blockchain networks through fully reserved, sovereign-bond-backed rails. The platform enables always-on, stablecoin-settled transactions with zero IOF tax, offering services like treasury yield, cross-border payroll, and embedded FX. It is licensed by Brazil's Central Bank and independently audited monthly.
Funding
Funding not disclosed
Founders
Product
Problem
Cross-border capital flows into Brazil face high costs and delays, with banks charging 100–350 basis points plus up to 3.5% IOF tax on foreign-exchange transfers, and settlement taking up to a day. Despite Brazil being one of the world's largest stablecoin markets, the country remains underserved by legacy payment infrastructure that fails to meet the needs of modern digital finance.
Solution
brd.capital provides regulated BRL settlement infrastructure that connects banks, PIX, and blockchain networks through fully reserved, sovereign-bond-backed rails. The platform enables always-on, stablecoin-settled transactions with zero IOF tax, allowing for instant, low-cost movement of value in and out of Brazil. It supports multiple workflows including treasury yield generation, risk-adjusted DeFi strategies, embedded yield via API, and cross-border payments such as global wallet-to-PIX payouts and merchant settlement. The infrastructure is licensed by Brazil's Central Bank, fully reserved with 1:1 sovereign-bond backing, and independently audited monthly to ensure trust and transparency.
Target Audience
Primary customers include global fintechs, digital wallets, payment processors, and treasury managers seeking regulated, low-cost access to BRL settlement and Brazilian market participation.
Features
- Fully reserved settlement rails backed 1:1 by sovereign bonds, ensuring capital security
- Zero IOF tax on stablecoin-settled transactions, reducing cross-border costs significantly
- Always-on, 24/7 settlement capability that eliminates traditional banking-hour restrictions
- Licensed by Brazil's Central Bank with monthly independent audits for regulatory compliance
- API-first architecture enabling embedded yield, PIX pay-in/pay-out, and cross-currency settlement
- Support for multiple stablecoins including USDT (live) and EURC (coming soon) with indicative FX rates