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Fintechs Adyen and Zapay authorised as Payment Institutions in Brazil

November 24, 2023
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With these authorisations, the list of actors with this licence now exceeds 110, according to the information available on the organisation's website.
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Central Bank approves new SPC Grafeno registrar

SPC Grafeno, a joint venture (JV) between the Credit Protection Service (SPC Brasil) and techfin Grafeno, received authorisation this week from the Central Bank (BC) to operate as a registrar of financial assets. The authorisation is valid for registering trade and service notes, bank credit notes (CCBs) and promissory notes. Control of the JV is 50/50 between the two companies.


The regulator's green light comes four years after SPC Grafeno filed its application with the Central Bank. The authorisation also comes at a time of new rules from the Securities and Exchange Commission (CVM), which oblige credit rights investment funds (FIDCs) to register their receivables. In addition, the Central Bank is working on the implementation of book-entry duplicatas. Currently, in addition to SPC Grafeno, there are four registrars: Núclea (formerly CIP), CERC, B3 and Central de Registro de Direitos Creditórios (CRDC).


With 100% cloud processing using Amazon Web Services (AWS) technology, SPC Grafeno combines SPC Brasil's experience in monitoring and analysing credit data with Grafeno's banking infrastructure platform for investors and companies.

In its first year of operation, the new company expects to register around 1 million duplicates in operation and move approximately R$4 billion in transacted value. Estimates from the sector suggest that the receivables market moves around R$13 trillion annually across all segments.

According to Roque Pellizzaro Junior, president of SPC Brasil, SPC Grafeno is a company that aims to safely simplify the financial market infrastructure. Tiago Leocadio, Grafeno's CTO, says that the new business is a fundamental part of the company's strategy.

New IPs

Also this week, the Central Bank authorised the operation of two new payment institutions (IP): Adyen and Zapay. The list of players with this licence now exceeds 110, according to the information available on the agency's website.

With 767.2 billion euros in processed volume in 2022, the Dutch company Adyen was founded in 2006 and arrived in Brazil in 2011. With offices all over the world, the company serves clients such as Uber, 99, Magazine Luiza, Dr Consulta, Dafiti and Amaro, impacting more than 50 million consumers in the Brazilian market alone.

Adyen is now operating as an IP company. The licence applies to electronic money issuers (which can manage prepaid accounts), accreditors and payment transaction initiators (ITPs). The company's share capital exceeds R$179 million, according to the publication in the Federal Official Gazette.  

The fintech company Zapay received approval from the Central Bank to operate as an IP in the form of a payment initiator. With share capital of R$6.8 million, the business is controlled by Callebe Araújo de Medeiros Mendes, Victor Ribeiro Mac Mahon and Pedro Henrique Ferreira Vogado.

Founded in 2017, Zapay is a fintech company with more than 20 million queries made through its app and website. Among its solutions, it allows drivers of cars, motorbikes and trucks to consult traffic debts and make instalments for fines, licensing and IPVA.

Las opiniones compartidas y expresadas por los analistas son libres e independientes, y de ellas son responsables sus autores. No reflejan ni comprometen el pensamiento u opinión de Latam Fintech Hub, por lo cual no pueden ser interpretadas como recomendaciones emitidas por la platafomra. Esta plataforma es un espacio abierto para promover la diversidad de puntos de vista sobre el ecosistema Fintech.

Central Bank approves new SPC Grafeno registrar

SPC Grafeno, a joint venture (JV) between the Credit Protection Service (SPC Brasil) and techfin Grafeno, received authorisation this week from the Central Bank (BC) to operate as a registrar of financial assets. The authorisation is valid for registering trade and service notes, bank credit notes (CCBs) and promissory notes. Control of the JV is 50/50 between the two companies.


The regulator's green light comes four years after SPC Grafeno filed its application with the Central Bank. The authorisation also comes at a time of new rules from the Securities and Exchange Commission (CVM), which oblige credit rights investment funds (FIDCs) to register their receivables. In addition, the Central Bank is working on the implementation of book-entry duplicatas. Currently, in addition to SPC Grafeno, there are four registrars: Núclea (formerly CIP), CERC, B3 and Central de Registro de Direitos Creditórios (CRDC).


With 100% cloud processing using Amazon Web Services (AWS) technology, SPC Grafeno combines SPC Brasil's experience in monitoring and analysing credit data with Grafeno's banking infrastructure platform for investors and companies.

In its first year of operation, the new company expects to register around 1 million duplicates in operation and move approximately R$4 billion in transacted value. Estimates from the sector suggest that the receivables market moves around R$13 trillion annually across all segments.

According to Roque Pellizzaro Junior, president of SPC Brasil, SPC Grafeno is a company that aims to safely simplify the financial market infrastructure. Tiago Leocadio, Grafeno's CTO, says that the new business is a fundamental part of the company's strategy.

New IPs

Also this week, the Central Bank authorised the operation of two new payment institutions (IP): Adyen and Zapay. The list of players with this licence now exceeds 110, according to the information available on the agency's website.

With 767.2 billion euros in processed volume in 2022, the Dutch company Adyen was founded in 2006 and arrived in Brazil in 2011. With offices all over the world, the company serves clients such as Uber, 99, Magazine Luiza, Dr Consulta, Dafiti and Amaro, impacting more than 50 million consumers in the Brazilian market alone.

Adyen is now operating as an IP company. The licence applies to electronic money issuers (which can manage prepaid accounts), accreditors and payment transaction initiators (ITPs). The company's share capital exceeds R$179 million, according to the publication in the Federal Official Gazette.  

The fintech company Zapay received approval from the Central Bank to operate as an IP in the form of a payment initiator. With share capital of R$6.8 million, the business is controlled by Callebe Araújo de Medeiros Mendes, Victor Ribeiro Mac Mahon and Pedro Henrique Ferreira Vogado.

Founded in 2017, Zapay is a fintech company with more than 20 million queries made through its app and website. Among its solutions, it allows drivers of cars, motorbikes and trucks to consult traffic debts and make instalments for fines, licensing and IPVA.

Las opiniones compartidas y expresadas por los analistas son libres e independientes, y solamente sus autores son responsables de ellas. No reflejan ni comprometen el pensamiento o la opinión del equipo de Latam Fintech Hub y, por lo tanto, no pueden interpretarse como recomendaciones emitidas por la plataforma. Esta plataforma es un espacio abierto para promover la diversidad de puntos de vista en el ecosistema Fintech.

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