What Braza Bank does

Braza Bank (legal name: BRAZA BANK S.A. BANCO DE CAMBIO) is a Curitiba-headquartered foreign exchange bank authorized by Banco Central do Brasil (BACEN registration No. 128) as an S4-class Banco de Câmbio. Founded in 2013, the bank operates between 51 and 100 employees and ranks among the top 15 FX institutions in Brazil by BACEN-ranked transaction count, with cumulative reach spanning 17 million individuals, 7,000 businesses, and 70+ correspondent banking partners.

The company's product portfolio spans traditional FX services — international wire transfers, currency hedging, derivatives on major global exchanges, and institutional cash management via overnight repurchase agreements — and a digital asset layer built around two proprietary stablecoins, BBRL (the Braza-issued Brazilian Real digital) and USDB (the Braza-issued US Dollar digital). Braza Bank's Braza On multi-currency account targets consumers with claims of up to 65% savings versus traditional FX, while the FX Trade and WPS BR platforms serve institutional and high-volume counterparties. The bank integrates Ripple's blockchain payment infrastructure and the RLUSD stablecoin (distributed via Mercado Bitcoin, Foxbit, and Ripio), uses XRP as a bridge currency, and offers APIs enabling payment institutions and fintechs to embed Braza Bank's FX and stablecoin rails.

Revenue is generated primarily through transaction-based fees across FX spreads, stablecoin-settled cross-border transfers, derivatives, institutional cash management, and API/B2B distribution. Braza Bank holds dual regulatory status as an S4 FX institution and a licensed VASP under Resolution 521, positioning it on the protected side of Brazil's evolving stablecoin regulation (Resolution 561, effective October 2026). Distribution is hybrid — direct-to-consumer via the Braza On app and web portal, plus institutional and partner channels through APIs, an introducing broker portal (BRAZA IB), and Ripple-aligned partnerships.

Name

Braza Bank

Legal name

BRAZA BANK S.A. BANCO DE CAMBIO

Website

https://brazabank.com.br

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

51–100 employees

Short description

Braza Bank is a BACEN-authorized Brazilian foreign exchange bank offering international transfers, FX hedging, proprietary stablecoins (BBRL, USDB), and Ripple-integrated cross-border payment rails, serving consumers, businesses, and 70+ banking partners.

Ownership category

akta.pro rank

Product category

Foreign Exchange Banking & Cross-Border Payments

NAICS

Commercial Banking (522110), Commercial Banking (52211)

SIC

National Commercial Banks (6021), Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

akta.pro secondary industries

Tokenized Bank Deposit & Commercial Bank Money Issuers (FSADADAB), BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

Keywords

• Foreign exchange banking
• Cross-border payments
• International remittances
• Stablecoin settlement
• Currency hedging

Headquarters

HQ city

Curitiba

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Foreign Exchange (FX) Transactions: Braza Bank earns revenue from FX spread on international transfers, cross-border payments, and currency exchange for individuals, businesses, and financial institutions. The bank claims the most competitive FX cost in Brazil, targeting high-volume remittance corridors.
2. Stablecoin Settlement & Digital Asset Services: Revenue from stablecoin-based cross-border settlement using BBRL and USDB proprietary stablecoins, and integration with Ripple's RLUSD for institutional clients. As a licensed VASP and FX institution, the bank earns fees on crypto-settled international transfers.
3. Institutional API & B2B Services: Revenue from providing FX and stablecoin APIs to payment institutions, fintechs, and banks, enabling them to embed Braza Bank's cross-border payment capabilities into their own products.
4. Braza On Consumer Platform: Consumer-facing multi-currency account generating revenue from FX conversion fees and cross-border payment charges, marketed with up to 65% cost savings vs. traditional FX.
5. Derivatives & Hedge Services: FX hedge and derivatives products for institutions and businesses to manage currency exposure, operating on major global exchanges.
6. Cash Management for Institutions: Overnight repurchase agreements (compromissadas) and government securities operations for financial institutions.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Braza Bank is a BACEN-licensed Brazilian foreign exchange bank (Banco de Câmbio – S4) that provides international payment services, FX hedging, multi-currency accounts via its Braza On app, and stablecoin-based cross-border settlement using its proprietary BBRL (Brazilian Real digital) and USDB (US Dollar digital) currencies. It also exposes FX and stablecoin APIs for payment institutions, fintechs, and banks to embed its rails, and integrates with Ripple's blockchain network for institutional digital-asset services.

Product overview

Braza Bank operates as a unified platform offering both traditional foreign exchange banking and digital asset services. The core offering includes international transfers, exchange rate protection via hedging, and digital currencies (BBRL and USDB stablecoins). The product portfolio comprises: the main Braza Bank platform for FX operations, Braza On multimoeda account for combined banking/crypto, Braza Checkout for international merchant payments, Mass Payments for batch disbursements, and FX Trade/WPS BR platforms for institutional trading. Digital stablecoins (BBRL and USDB) are integrated into the traditional FX workflow to reduce remittance costs. The company serves individuals, businesses, and payment institutions with a full ecosystem spanning consumer banking, corporate treasury, and institutional trading.

Differentiator

Problem solved

Functional benefit

Brands

• Braza On: Mobile application platform for Braza Bank services

Products and services

• Braza Bank FX Banking Services BACEN-licensed Banco de Câmbio (S4) offering international transfers, FX hedging, derivatives, cash management, and stablecoin-based cross-border settlement for individual consumers, businesses, and financial institutions. Among the top 15 FX institutions in Brazil by transaction volume per BACEN.
• International Transfers (Transferência Internacional) Global international transfer operations with complete support and no hidden fees, enabling businesses and individuals to send money abroad efficiently at competitive FX rates.
• Exchange Rate Protection (Proteção Cambial / FX Hedge) Foreign exchange hedging solutions that lock exchange rates to provide predictability for business cash flow and protect against currency volatility.
• BBRL (Real Digital da Braza) Proprietary Brazilian Real stablecoin (real digital) issued by Braza Bank for cross-border payment settlement, enabling digital-native FX flows.
• USDB (Dólar Digital Braza) 100% Braza-branded US Dollar stablecoin for international remittance and FX settlement, complementing BBRL in cross-border flows.
• Braza On (Multi-Currency Global Account) Global multi-currency account (mobile + web) offering up to 65% savings on FX and crypto fees in a single platform, combining traditional banking and cryptocurrency for individuals and micro-businesses.
• International Receipts (Recebimentos Internacionais) Service for efficiently and securely redeeming international earnings with reduced costs for individuals and businesses.
• Braza Checkout Payment solution enabling Brazilian merchants to sell to Brazilians abroad using Brazilian payment methods, both online and in-person, improving conversion rates.
• Mass Payments Batch payment processing solution enabling bulk international payments with greater agility, control, and efficiency for businesses.
• Derivatives Derivatives trading on major global exchanges with hedging solutions for payment institutions and their clients.
• Cash Management Operations with repurchase agreements (compromissadas) and government securities for financial institutions.
• FX Trade Platform Robotized FX trading system for institutional and individual clients, with automated execution subject to slippage disclosures under Brazilian consumer protection regulations.
• WPS BR (Wholesale Payment System)

Quantifiable outcome

• Up to 65% savings on FX and crypto fees vs. traditional channels (Braza On multi-currency account)
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature6 records

Partnerships

One partnership is on record.

• RipplecoreTechnology or Integration · 17 March 2026Ripple expanded its full digital asset services suite in Brazil on March 17, 2026, including cross-border payments, custody, prime brokerage, treasury management, and RLUSD stablecoin. Braza Bank is listed as one of the key institutional partners actively using Ripple Payments and RLUSD for cross-border transactions and stablecoin settlement. Ripple is also applying for a VASP license with Brazil's Central Bank. Braza Bank uses XRP as a bridge currency alongside its proprietary BBRL and USDB stablecoins.

Scale indicators7 records

Recent moves5 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks1 record

Key highlights6 records

Customer concentration

• Facebookfacebook.com/brazabank
• LinkedInlinkedin.com/company/braza-bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Braza Bank