Compliance
Compliance.
How we operate within the Brazilian regulatory framework.
IPS operates as a customer-facing layer over licensed partnerships with chartered Brazilian câmbio institutions. Our compliance architecture is built around the supervisory framework that governs these partnerships and the broader Brazilian payments regulatory environment. This section describes our approach across four dimensions: regulatory framework, security and privacy, AML and CFT, and current attestations.
Our regulatory approach
Our high-level regulatory framework. How IPS operates as a non-câmbio operator through chartered partner banks, our position relative to virtual asset frameworks, our IOF treatment, and our alignment with the direction Brazilian regulators have signalled.
Read aboutSecurity and privacy
Our security framework and LGPD compliance posture. How we handle data protection, the principles that govern our customer data, the role of our designated Data Protection Officer, and the security practices we follow.
Read aboutAML and CFT
Our anti-money-laundering and counter-terrorist-financing programme. The customer due diligence procedures we follow, the transaction monitoring approach, the suspicious activity reporting that flows through to COAF, and the partner-coordination model.
Read aboutAttestations
Current certifications and attestations supporting our compliance posture. The status of each certification, the certifying bodies involved, and the validity periods.
Read aboutDetailed documentation
The compliance content on this site provides our high-level public framework. Detailed compliance documentation — including our Compliance Memorandum, AML programme details, specific partner information, and audit reports — is available to institutional partners under the institutional access process. Partner banks, regulators, qualified investors, and journalists with substantive coverage interest can request access through that channel.
Request institutional access