Tokenized receivables yield more than traditional assets. Much more control, security, and transparency.
Tokenized assets make investments much more accessible, in addition to having greater liquidity. This happens because the use of blockchain in the capital market allows assets to be fractioned and sold to the most diverse investor profiles. Receivables tokens also have greater security, as transactions are recorded, public, and immutable.
Originators never directly touch the invested capital; they just use the AmFi platform to direct funds according to pre-defined criteria. Such criteria ensure that the capital is not used for purposes other than those agreed upon.
Our processes are automated by smart contracts and developed to prevent fraud and errors. Transfers are auditable by their users (with due privacy) and all interactions are immutable and traceable at any time.
Although blockchain allows operations to be viewed at the moment they occur, the platform stores this data and allows interactions to generate reports and be located immediately. Users have unrestricted and on-time access.
The opportunities allow investors to unlock a category of products that they cannot currently access in the capital market. We were able to bring a better risk-return relationship with high profitability compared to the traditional market.
AmFi is a company that is transforming the Brazilian capital market.
We developed a financial platform that solves the main pain points of originators and investors.
Our platform helps credit originators (fintechs and banking correspondents) seeking liquidity to structure, distribute, and operate their own financial products quickly and easily, with fewer intermediaries and with more standardization and efficiency.
Through AmFi, Brazilian individuals (natural person) and institutional investors have access to structured credit products with control, security, and transparency superior to the market standard.
To learn more about AmFi and discover how our story came about, watch this incredible chat we had with our partner João Hazim.
And in this article we talk a little about the practical benefits of the platform for credit originators.
AmFi is a platform that connects credit originators and investors. Through AmFi, Brazilian individuals (natural person) and institutional investors have access to structured credit products with control, security, and transparency superior to the market standard.
To offer this experience for both the originator and the investor, we bring together the latest regulatory innovations (such as the Novo Marco Legal da Securitização Novo Marco Legal da Securitização) with cutting-edge technology, based on blockchain and tokenization.
These best practices are offered through an infrastructure that uses blockchain as a basis, implementing automated processes, banking orchestration, and asset securitization.
The AmFi platform was designed so that several traditional financial assets are used as backing for operations.
The investor benefits from the transparency and practicality that blockchain technology offers, such as access to new asset classes, real-time updates, and the possibility of investing without day or time restrictions. They also benefit from additional layers of security and governance, such as automatic but strict disbursement policies and the originators do not have direct access to capital. Only the final creditor has access.
See our materials about the different assets:
AmFi operates 100% within CVM and Federal Revenue regulations and the the incidence of tax will depend on the type of product and the investor. When there is a tax, for PF the regressive table applies, which is the same one already used for other traditional products, such as Tesouro Direto, CDBs and other fixed income securities.
Almost all of our opportunities correspond to a securitization operation, there will be an income tax depending on the characteristics of the investor. The securitization company is responsible for collecting taxes on operations.
AmFi annually reports to regulatory entities the amount of tax that was withheld at source.
Furthermore, there are individual assets (such as court orders and trade bills) that may be exempt in the transactions that are below R$35,000 because the investor's return in this case is not considered income, but capital gain.
See our FAQ and read about our legal and taxation.
The AmFi platform offers unique products, with a unique risk-return relationship in the market and with several layers of security, which result in greater control, transparency, and security for all its users. The information of operations is made available and updated in real time online and business rules are automated and implemented with technology, bringing greater transparency in operations management and, therefore, increasing profitability as we reduce processes and intermediaries.
All Opportunities available on the AmFi Platform are backed by existing, valid, and verified financial assets. This way, we created a unique vision of a digital asset 100% linked to a financial asset, which has a financial flow. Notwithstanding the aforementioned, every financial operation involves risks and you can find out more here.
In addition to the real assets that provide support for AmFi's operations, the investor benefits from the transparency and practicality that blockchain technology offers, such as access to new asset classes, real-time updates and being able to invest without day or time restrictions. They also benefits from additional layers of information security and governance, such as automatic but strict disbursement policies and the originators don’t have access to the capital. Only the final creditor has access.
In the case of pools (opportunities that are baskets of assets), the security layers consist of evaluating the originators' history through KYP, verifying the adherence of assets to the opportunity's eligibility criteria, structuring with subordination, in addition to the possibility of repurchase /coobligation.
Investing in single assets, in turn, assumes greater exposure to counterparty risk, but provides greater expectations of return over shorter periods.
Read more about our guarantees in our Whitepaper.
Yes, the new Marco Legal da Securitização, the Ofício Circular CVM/SSE 4/2023 and Ofício Circular CVM/SSE 6/2023 address the topic. Regulatory bodies have been very supportive of the development of this new technology. If you want to know more about what our lawyers think about the matter, check out this video about tokenization and OC 4/23 and this other video about how tokenization can change the debt market for the better in Brazil.
Furthermore, we can mention the Central Bank's acceleration programs, which have most of their projects involving blockchain and tokenization. Another case that shows that this is the development of Real Digital.
The main assets distributed on the AmFi platform are: judicial assets, bills, credit card receivables, CCBs, debentures, receivables certificates, and commercial notes.
Soon, we will include new asset classes and unlock new opportunities.
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Este site é gerido e operado pela AmFi Consulting Ltda. (“AmFi Consulting”), CNPJ 47.243.468/0001-70. A AmFi Consulting atua na prestação de consultoria, desenvolvimento e licenciamento de sistemas computacionais, assim como estruturas tecnológicas. A AmFi Consulting NÃO é uma instituição financeira assim como não realiza empréstimos, NÃO atua como empresa de investimentos ou realiza oferta ou recomendação de títulos e valores mobiliários.
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