Q: How are AmFi products structured?

AmFi’s in-house Debt Capital Markets (DCM) team specializes in sourcing top local private credit originators, applying traditional finance practices to design institutional-grade fixed income products. All products are fully backed by regulated assets and/or trade receivables, with added collateral by AmFi or pool originators as junior tranche. Key characteristics such as APY, collateralization, and collection structures are aligned with industry best practices and market benchmarks, aiming to offer investors an optimal risk-return balance.

Question 1

What does AmFi do?

Accepted Answer

AmFi is an on-chain financing platform that makes it easy and fast for fintechs to structure, distribute and operate their own financial products. We connect fintechs with local and global investors and implement the best capital market practices to replace bureaucratic processes with code. We&#8217;re a team of third time founders with over 10 years of experience in fintechs and capital markets.

Question 2

What is AmFi's team expertise and background?

Accepted Answer

The AmFi team combines deep expertise in financial markets, blockchain technology, and regulatory compliance, with a strong track record building innovative financial services, products, and infrastructure across Latin America. Since our founding in 2022, we have pioneered the integration of blockchain with regulated financial markets in Brazil.
Our leadership includes seasoned entrepreneurs with backgrounds in traditional finance, fintech innovation, and capital markets operations. We have delivered solutions for regulated institutions and B2B/B2C fintechs, including launching Brazil’s first regulated tokenized securities platform, setting new standards for transparency and efficiency in credit markets.

Question 3

Who regulates AmFi Platform?

Accepted Answer

We operate under strict compliance with international financial regulations. Our structure is designed to meet KYC/AML standards and provide full legal protection to investors.
AmFi is the first regulated tokenized securities investment platform in Brazil, operating under the supervision of the Brazilian Securities Commission (CVM). The company functions as a CVM-regulated crowdfunding platform and structures all its products as securitization operations that fully comply with Brazilian financial regulations.
It’s important to note that AmFi is not a bank or financial institution. All aspects of tax collection, custody, and reporting are handled in strict compliance with applicable laws, including specific requirements for nonresident investors.

Question 4

Who is behind the platform?

Accepted Answer

Our team combines decades of experience in banking, private credit, and technology. We are backed by leading advisors and audited by top-tier firms. AmFi combines traditional capital markets operations with blockchain technology to create a transparent, safe and efficient platform for highly curated investment opportunities.

Question 5

What are the assets behind the investment?

Accepted Answer

Each fraction of investment represents exposure to real private credit assets (RWA) — carefully selected, collateralized, and backed by rigorous due diligence. AmFi focuses on fixed income strategies backed by Brazilian credit markets. These include structured credit, receivables-backed notes, and other regulated fixed income instruments.
Products are designed to balance yield and risk, with clear liquidity terms.

Question 6

How secure is the investment?

Accepted Answer

Every loan is collateralized and monitored. We work with independent servicers and legal partners to ensure enforceability and investor protection. Blockchain technology adds transparency, traceability, and efficiency — giving investors real-time visibility of their positions
Security is our top priority:

Technology: Custody options include AmFi-custodied wallets (Web2 UX) or self-custody (e.g. Fireblocks, Ledger, MetaMask). All transactions are encrypted and monitored.
Financial Products: Investments are allocated into regulated, high-quality Brazilian credit and fixed income instruments, structured to balance risk and return.
All assets are registered with entities regulated by the Central Bank of Brazil on investors behalf
Governance: AmFi operates with independent service providers and banking partners to ensure transparency and security.

Question 7

What types of products does AmFi offer?

Accepted Answer

AmFi focuses on fixed income strategies backed by Brazilian credit markets. These include structured credit, receivables-backed notes, and other regulated fixed income instruments. Products are designed to balance yield and risk, with clear liquidity terms.

Question 8

How are AmFi products structured?

Accepted Answer

AmFi&#8217;s in-house Debt Capital Markets (DCM) team specializes in sourcing top local private credit originators, applying traditional finance practices to design institutional-grade fixed income products.
All products are fully backed by regulated assets and/or trade receivables, with added collateral by AmFi or pool originators as junior tranche. Key characteristics such as APY, collateralization, and collection structures are aligned with industry best practices and market benchmarks, aiming to offer investors an optimal risk-return balance.

Question 9

In which currency are the underlying loans or assets denominated

Accepted Answer

Our first operating market is Brazil, and all loans are denominated in the Brazilian real.

Question 10

How do global investors get started?

Accepted Answer

Both individual and institutional investors are welcome at our Platform. Once you complete onboarding and KYC verification, you can fund your account either in USD (wire transfer) or USDC (Polygon). Your funds are converted into BRL and allocated into Brazilian fixed income strategies through AmFi.

Question 11

Why do I need to complete KYC in order to invest with AmFi?

Accepted Answer

KYC (Know Your Customer) and AML (Anti-Money Laundering) verification are required by regulation. They ensure compliance with international standards, protect the platform from illicit activities, and safeguard your identity and investments.
AmFi partners with Sumsub, a global leader in compliance and identity verification solutions, to ensure that all processes follow the highest standards of international regulation and security.

Question 12

How does investing with AmFi work for global investors?

Accepted Answer

Once you complete onboarding and KYC verification, you can fund your account either USDC (Polygon) or fiat USD (wire transfer). Your funds are automatically converted into BRL in your wallet and ready to be allocated into AmFi Products. You can monitor your positions directly in our platform and request payouts at any time, subject to liquidity terms.

Question 13

Can I exit before maturity?

Accepted Answer

Yes. While these are private credit assets, our tokenized structure enables liquidity options via secondary market trading. Liquidity depends on the specific product you invest in. Each product has a defined redemption period (e.g., D+15), which is clearly disclosed prior allocation and informed under the product description in your logged in area.

Question 14

How do I track my investment?

Accepted Answer

You’ll have 24/7 access through our digital platform, with clear reporting, audited results, and performance updates in real time.

Question 15

Is there currency risk when investing with AmFi?

Accepted Answer

It depends on the product you choose:

BRL-denominated products: These offer higher return potential but carry currency risk, since your returns in USD will fluctuate with the USD/BRL exchange rate.
USD-denominated products: These eliminate currency risk, as returns are paid directly in USD, but typically deliver lower yields compared to BRL strategies.

Investors should select products according to their risk appetite and currency exposure preferences.

Question 16

What are the risks of investing with AmFi?

Accepted Answer

All investments carry risk. AmFi mitigates these through rigorous due diligence, structuring, and diversification. Investors should be aware of:

Credit risk (borrower default).
Market risk (interest rate or FX fluctuations).
Liquidity risk (redemption timelines).

We focus on building structures that provide attractive returns while prioritizing investor protection.

Question 17

Why do I need to convert my USD to BRL?

Accepted Answer

AmFi’s investment strategies are denominated in BRL because they target Brazilian assets and are regulated under Brazilian law. Current regulation does not allow investment products to be offered in foreign currencies within Brazil. For this reason, USD (or USDC) deposits are converted into BRL at competitive FX rates, enabling direct exposure to the Brazilian market.

Question 18

Are there fees to invest in AmFi? How AmFi generates revenue?

Accepted Answer

No, AmFi does not charge any fees to investors. All AmFi fees are paid by the originators. This allows investors to enjoy the full returns of their investments without any management or platform fees being deducted.

Question 19

How can I contact AmFi for support?

Accepted Answer

You can reach our investor relations team directly via the in-app support center or by email at support@amfi.finance. Our team is available to resolve.

Question 20

Can institutional investors also access AmFi products?

Accepted Answer

Yes, of course. AmFi already works with multiple institutional investors such as investment funds, family offices and banks.AmFi offers plenty of options and flexibility to better support institutional investors specific needs and requirements, especially in order to structure allocations and custody models according to their internal compliance and operational requirements.

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