As data is recognized as an asset with economic value, the financial system begins to explore new paths for credit, inclusion, and information monetization It is increasingly common to see institutions treating data as assets — and developing products based…
On holidays, it’s always good to think about the future. Imagine I send a payment to someone in Europe. Days later, that person travels to the United States and hires a service from a company operating in India. The funds…
Over the past decade, the global financial system has been evolving from dematerialization to digitalization. Now, with the rise of tokenized assets, a new layer emerges — programmability. More than simply representing assets digitally, tokenization embeds logic and rules directly…
This weekend, the Olympic Golf Course in Rio de Janeiro is hosting a stage of the PGA Tour Americas. Golf in Brazil is still a niche sport. But then came the question: do we have more people playing golf… or…
The Pix evolutionary agenda for the coming years was presented by the Central Bank during the PIX Forum. It represents the continued technological advancement of Brazil’s financial sector — expanding Pix’s reach, consolidating its role as a payment infrastructure, and…
Over the next few years, new technologies and regulatory frameworks will significantly reshape the financial system and the way people relate to money. While this transformation often seems invisible to the general public, it is already underway within fintechs, banks,…
The future of the financial system — and, why not, of any sector — increasingly depends on active listening, on a real ability to observe where the friction is, where people are losing time, energy, and trust. And to act…
The digitalization of money is underway — but it’s not following a single path. I see at least four distinct models for digital representations of value, each with its own technical, political, and economic logic. While Brazil, with DREX, bets…
In Greek mythology, Harpocrates is the god of silence and well-kept secrets. In the digital world, protecting secrets — or rather, sensitive data — has become one of the key challenges in projects like DREX. How can we ensure that…