BRAZIL Trends and Developments
Trends and Developments Contributed by: Vanêssa Fialdini, Mariana de Azevedo Mendonça and Jorge Augusto de Holanda Souza Fialdini Advogados
Fialdini Advogados was established in 2006 and spe- cialises in the dynamic realm of financial technology, with international recognition by leading publications. It assists clients of all sizes, ranging from burgeon- ing start-ups to major multinational corporations. Its portfolio includes software developers, cards brands, financial institutions, payment institutions, issuers,
acquirers, payment facilitators, gateways, equipment manufacturers, mobility applications, crowdfunding platforms, investment funds, brokers, dealers and in- dustry associations. It also provides services to the financial branches of manufacturers, retailers and ag- ribusiness companies.
Authors
Vanêssa Fialdini is a leading financial regulatory lawyer in Brazil, widely recognised for advising international fintechs, payment institutions and digital asset companies on complex regulatory structuring and market
and the structuring of complex financial operations, including regulatory capital, FX transactions and crypto-related models. Her practice combines strong technical expertise with a practical approach to implementation and compliance in a highly regulated environment. Mariana maintains constant interaction with important regulatory bodies, frequently participating in technical discussions on the interpretation and implementation of new regulatory frameworks.
entry strategies. Her work spans core regulatory frameworks such as payment institutions, Open Finance and Pix, with a strong focus on cross- border payment structures and digital assets. She has particular expertise in advising international companies on the regulatory challenges of entering the Brazilian market, especially in relation to cross- border operations and blockchain-based business models.
Jorge Augusto de Holanda Souza is a senior associate with over ten years of experience in the financial and payment regulatory markets, advising clients on complex regulatory, contractual and transactional matters.
Mariana de Azevedo Mendonça is a financial regulatory and contracts specialist, advising fintechs, payment institutions and financial groups on payments, cross-border operations, structured credit and regulatory
His practice combines in-depth regulatory knowledge with a practical understanding of the sector, assisting fintechs, payment institutions and financial institutions in navigating the Brazilian regulatory framework, including the structuring and review of commercial arrangements, credit and receivables- based transactions, and licensing and authorisation proceedings before the Central Bank of Brazil.
matters before the Central Bank of Brazil. She has assisted local and international clients with licensing processes, compliance with prudential requirements
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