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 them. I’m not talking about predictive analysis or sophisticated CRM. I’m talking about custody, […]
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 I sent were used there, to pay for something elsewhere — crossing continents, time zones, […]
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 into the assets, changing not just their form, but also their function and circulation possibilities. […]
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 programming smart contracts in the country? Searching LinkedIn, the term “Solidity” with location set to […]
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 redefining business model opportunities, especially within the fintech ecosystem. The introduction of functionalities like Pix […]
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, and institutions that are digitizing products, services, and internal processes. One of the most relevant […]
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 on it. The journey matters. The flow matters. The way an innovative service fits into […]
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 on a public and coordinated infrastructure, the United States is heading down a different road […]
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 sensitive data isn’t exposed in a programmable, auditable, and interoperable environment? This challenge lies at […]
Brazilian agribusiness is dynamic and complex, influenced by seasonality, climate risks, financing, futures markets, insurance, logistics, and foreign trade. DREX brings greater efficiency and predictability, reducing bureaucracy and streamlining financial flows for producers of all sizes. Agricultural credit is essential, as investments in supplies, equipment, and labor are made months before harvest. Today, producers rely […]