Launch solutions

Three products. Three ways to grow with Transfero.

Transfero Payments Network (TPN), OTC as a Service and FIDC 3.0 — institutional solutions ready to deliver short-term results.

Global payments

Transfero Payments Network (TPN)

The Transfero Payments Network (TPN) is the execution layer that operates above financial rails, abstracting the complexity of bank systems, stablecoins and liquidity providers into a single programmable API for global value movement. From intent to settlement in seconds, with atomic multi-rail routing, market-rate FX and embedded compliance.

Built for

Fintechs, neobanks, banks, marketplaces, payroll platforms and Web3 projects that move money across borders.

Value proposition

A single programmable API that abstracts banks, stablecoins and liquidity providers to settle in seconds across multiple corridors.

Apply for Transfero Payments Network See corridors

Pains it solves

Slow settlements: international transfers take 2–5 business days
Single-rail risk: one failure brings down the entire flow
Unpredictable SWIFT, correspondent and FX-spread costs
Coverage gaps in emerging markets (LatAm, Africa, Southeast Asia)
Integration complexity: multiple APIs, contracts and SLAs per market
Compliance overhead: manual AML and KYC don't scale across corridors

How it works

1Payment Intent: client sends a structured request via the TPN API (amount, recipient, currency pair and optional MPP conditions)
2Compliance Check: automated AML, KYC and sanctions screening before any funds move
3Route Evaluation: real-time evaluation of CPN, local ACH, SEPA, PIX, SWIFT and blockchain rails
4FX & Cost Optimization: best market rate locked, lowest-cost corridor selected
5Execution: payment dispatched on the chosen rail with atomic multi-leg routing
6Confirmation: real-time status via webhook with a full audit trail
7Settlement: recipient receives in local currency; TPN handles reconciliation and reporting

Featured Finder benefits

Same-day or next-day settlement (vs. 2–5 days on legacy)

6+ networks unified through a single integration

Transparent market-rate FX (vs. 1–3% spreads)

One API for all corridors — instant market expansion

Embedded, automated compliance — not bolted on

MPP: programmable conditional rules in the payment flow

Predictable cost in bps + fixed, no hidden correspondent fees

Use cases

Cross-border B2B paymentsMarketplace payouts and global payrollOff-ramp of stablecoins (USDT/USDC) to local currencyCorrespondent banking modernization

Frequently asked questions

Institutional origination

OTC as a Service for Finders

OTC as a Service is designed for Finders who originate flow and need an institutional layer to operate with more organization, clarity and commercial support. The focus is on structuring onboarding, activation criteria and operational follow-up over time.

Built for

OTC desks, brokers, intermediaries, flow originators and operators in transition with an existing client relationship.

Value proposition

A dedicated partnership track to originate flow with clear entry criteria, commercial support and operational governance.

Apply for OTC as a Service for Finders

Pains it solves

Operations without clear entry and activation criteria
Lack of structured commercial support to build flow
Low operational governance to support growth
Loose onboarding for recurring clients
Commercial relationships without an evolution path

How it works

1Finder application: operation, customer profile and commercial context
2KYC and compliance: documentation, operational structure and flow fit
3Operational flow setup: onboarding, activation criteria, limits and commercial design
4Activation and follow-up: operation enters follow-up with the Transfero team

Featured Finder benefits

Institutional infrastructure to support more organized operations

Structured onboarding with clearer entry criteria

Commercial support to design program flow

Operational governance for predictable growth

Evolving relationship model based on operational fit

Use cases

Structured onboarding for OTC desks and brokersActivation of originators with active booksOperation with defined criteria and limitsCommercial relationship that evolves with fit

Frequently asked questions

Credit-as-a-Service

FIDC 3.0 — Credit-as-a-Service

FIDC 3.0 is Transfero's Credit-as-a-Service infrastructure: a single platform that connects legal instrument, segregated capital structure and operational agent to originate, disburse, reconcile and settle credit operations programmatically. Combines the legal certainty of capital markets (Brazilian Law 14.430/22, securitization with separated assets) with end-to-end automation, from Pix to immutable audit registry.

Built for

Credit originators, fintechs, securitization vehicles, asset managers and receivables companies operating in Brazil.

Value proposition

A single platform combining the legal certainty of capital markets with operational automation — from disbursement to settlement, without becoming a bank.

Apply for FIDC 3.0

Pains it solves

Traditional FIDC requires a minimum BRL 30M, BRL 300k setup and BRL 475k/year of operating cost
Building in-house requires 10–15 engineers and 12–18 months before the first loan
Credit backend, banking connections, KYC, signature, custody and reconciliation fragmented
Transfers, write-offs and reversals controlled in parallel spreadsheets — auditing never complete
Idle capital between operations with no yield
Renegotiations that force rebuilding the entire operation and losing history

How it works

1Origination: request, analysis, CCB (Bank Credit Note) and disbursement via Pix in up to 15 minutes, no manual integrations
2Repayment: Boleto, Boleto Pix and QR Code with immutable registry and automatic reconciliation
3Renegotiation: adjust terms and conditions without rebuilding the operation; full history preserved
4Investor: fundraising, automatic allocation by rule and returns inside the same platform
5Savings: idle capital between operations yields CDI inside segregated custody
6Classes and balance: structure by class (senior, mezzanine, subordinated) with daily asset view
7Headless integration: REST API for those who prefer to build inside

Featured Finder benefits

Same-day time-to-market — operates on day one, no client-side code

Operating cost drastically lower than traditional FIDC

Legal certainty of capital markets with separated assets

Permanent, immutable record of every operation — auditing, not ideology

Idle capital yielding CDI inside segregated custody

Continuous reconciliation as an operational guarantee, not a report

Embedded compliance and security: KYC, legally-binding digital signature, 2FA, role-based profiles

Built for Brazil: Pix, boleto and local regulation are native — no patched global stack

Use cases

Origination and disbursement of CCB in minutesReceivables advances and invoice operationsStructuring credit operations without FIDC costsFundraising, allocation and returns for investor groupsOperations with senior, mezzanine and subordinated classes

Frequently asked questions

Not sure where to start? In a 30-minute call our team designs the shortest path to your first revenue.

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