RTM

What RTM does

RTM, legally RTM – Rede de Telecomunicações para o Mercado Ltda, is a privately held Brazilian integration and infrastructure provider for the financial market, founded in 1997 and headquartered in São Paulo with a regional office in Rio de Janeiro. The company connects 700-800+ financial institutions and service providers across 19 Brazilian states and the Federal District, operating three owned data centers (São Paulo, Rio de Janeiro, and Santana de Parnaíba) over a private financial-grade network. Its portfolio spans SaaS platforms (Hub Fundos for ISO 20022-based investment-fund integration, Hub Pagamentos for BCB payment-arrangement compliance, Open Finance Data Push/Pull, and Blockchain-as-a-Service for Drex tokenization), managed connectivity (Financial Net, SD-WAN, Cloud Link, SWIFT Bureau), cloud and colocation (Cloud Services, OpenShift Autopilot, Backup), voice and trade-desk services (Trade Solution, VoIP), and cybersecurity, with a cloud marketplace added in 2025 for partner SaaS distribution.

RTM monetizes through a mix of recurring SaaS subscriptions, managed connectivity and infrastructure services, professional services (Smart Hands, Squad-as-a-Service), and marketplace/affiliate referrals. Pricing is quote-based and not publicly disclosed, though Hub Fundos is positioned as zero-upfront-investment to lower adoption friction. Distribution is primarily direct enterprise sales supplemented by integration partners (Sinqia, BRITech, B3 clearing) and a self-serve cloud portal. The customer base spans banks, brokerages, asset managers, fund administrators and distributors, payment institutions, sub-acquirers, and fintechs, with named enterprise logos including BTG, XP Inc., B3, Banco Daycoval, Superlógica, IB CCTVM, Celcoin, Monkey, and Master Corretora. RTM is an ANBIMA and B3 member company and holds PCI DSS, ISO/IEC 27001, and LGPD-compliant operations, positioning it as a neutral regulated-agent partner in the Brazilian financial ecosystem.

Name

RTM

Legal name

RTM – REDE DE TELECOMUNICAÇÕES PARA O MERCADO LTDA

Website

https://rtm.net.br

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

101–250 employees

Short description

RTM is a Brazilian financial-market integration provider, connecting 700-800+ banks, brokerages, asset managers, and payment institutions via private networks, three data centers, and SaaS platforms for investment funds, payments, Open Finance, and Drex tokenization.

Ownership category

akta.pro rank

Product category

Financial Market Integration Technology

NAICS

Computer Systems Design and Related Services (54151), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Services-Computer Integrated Systems Design (7373), Services-Computer Programming, Data Processing, Etc. (7370), Computer Communications Equipment (3576)

akta.pro primary industry

Payments Operations (ACH/Wire/RTGS, SWIFT, SEPA, Checks) (FSABALAB)

akta.pro secondary industries

Network, Infrastructure & Data Center Integration (BPAEAAAK), Technology, Software & IT Services (FSABACAJ), Real-Time Payments (RTP) Processing & Clearing (FSAMAHAC)

Keywords

• Financial market integration
• Investment fund automation
• Payment platform compliance
• Financial infrastructure connectivity
• Open Finance connectivity

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Technology Infrastructure Services: RTM provides data center colocation, cloud services, cybersecurity, and connectivity solutions to financial institutions. Services are provided via private network infrastructure with high availability guarantees for mission-critical financial operations.
2. Hub Fundos SaaS Platform: Subscription-based SaaS platform for investment fund industry automation, offering modules for share portability, integralization, fund registration, due diligence, and corporate events. No initial investment required; access via web portal and API integration.
3. Hub Pagamentos Platform: Payment arrangement platform compliance solution with modules for sub-acquirer monitoring, interchange reconciliation, and BCB regulations (Resolutions 150 and 264).
4. SWIFT Bureau Services: SWIFT network connectivity and access services with certified Portuguese-language support and redundant infrastructure.
5. Open Finance Solutions: Platforms for Open Finance data exchange (Data Push and Data Pull) enabling financial institutions to comply with regulatory requirements.
6. Blockchain as a Service: Infrastructure for tokenized asset operations and Drex sandbox testing environment.
7. Connectivity Services: Private network services including Cloud Link, Corporate Net, Asset Net, Financial Net, SD-WAN, and vendor connectivity for financial sector.
8. Voice/Telephony Services: VoIP, hotline, IP telephony, and trade solution voice services for financial institutions.
9. Smart Hands Services: Technical support and on-site assistance services for data center operations.
10. Cloud Marketplace: RTM's cloud marketplace enables partner solutions (treasury systems, regulatory intelligence) to be contracted by financial institutions, with RTM providing integration infrastructure and technical support.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

RTM operates as an integration hub for the Brazilian financial market, providing SaaS platforms for investment fund operations (Hub Fundos), payment arrangement compliance (Hub Pagamentos), Open Finance data sharing, and Blockchain as a Service for Drex CBDC operations. The company also delivers the underlying IT infrastructure — data centers, private cloud, cybersecurity, dedicated financial networks (Financial Net, SD-WAN, Cloud Link), and SWIFT Bureau connectivity — serving banks, brokerages, asset managers, custodians, payment institutions, and fintechs across Brazil.

Product overview

RTM is an integration hub for the Brazilian financial market offering a comprehensive portfolio of technology solutions organized into four main categories: SaaS & Software (financial integration platforms), IT Infrastructure (cloud, data center, cybersecurity), Connectivity (networking solutions), and Voice services. The core platforms include Hub Fundos (investment fund automation using ISO 20022), Hub Pagamentos (payment arrangement compliance), Open Finance (data sharing), Blockchain as a Service (Drex/tokenized assets), SWIFT Bureau, Trade Solution (trading operations), and Cybersecurity. Supporting infrastructure includes Cloud Services with OpenShift Autopilot, three Data Centers (São Paulo, Rio de Janeiro, Santana de Parnaíba), and dedicated networks (Financial Net, Cloud Link, SD-WAN). The cloud marketplace extends the platform with partner solutions including Virtual Software treasury systems, FIRA regulatory intelligence, and Lina Open X Pix services. RTM connects over 700 financial institutions and is a company of ANBIMA and B3.

Differentiator

Problem solved

Functional benefit

Brands

• Hub Fundos: A platform that standardizes and automates communication between players in investment fund operations including integration and portability of fund shares, based on ISO 20022 international standard.
• Hub Pagamentos
• Hub Conciliação
• Cloud Services
• Blockchain as a Service
• SWIFT Bureau
• Open Finance
• Galgo

Products and services

• Hub Fundos

Quantifiable outcome

• Fund share portability reduced from 30 days to under 7 business days
• +5 more outcomes

Named customers13 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability6 records

Feature13 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Lina Open XcoreTechnology or Integration · 1 October 2025Partnership to offer Pix by Approximation and Biometric authentication solution, already homologated by Central Bank. Enables institutions to meet BCB Resolution 406 requirements for Pix payment methods by January 2026.
• Virtual SoftwareminorChannel Partner/ Reseller/ Distributor · 1 September 2025Treasury management systems available through RTM's cloud marketplace, targeting financial institutions needing efficient treasury operations with rapid integration.
• FIRAminorChannel Partner/ Reseller/ Distributor · 1 September 2025Regulatory intelligence solutions (market surveillance, PLD/FTP, background check, due diligence) available through RTM's cloud marketplace, meeting requirements from regulators including Central Bank, CVM, BSM, Anbima, SUSEP, and Ministry of Finance.
• SinqiacoreTechnology or IntegrationIntegration partnership for Hub Fundos platform. Sinqia provides investment fund management software integration to RTM's platform, enabling unified control and monitoring of fund operations with more efficiency, visibility, and supervision for backoffice teams.
• BRITechcoreTechnology or IntegrationStrategic integration partnership for Hub Fundos. BRITech's Global Markets solutions enhance fund ecosystem operations including cash management for asset managers, order generation for capital allocators, operational risk management for distributors, and speed for administrators.
• B3coreTechnology or IntegrationClearing and settlement integration for fund shares. B3 provides clearing integration for Hub Fundos enabling automated registration and settlement of fund shares, compliance with CVM 175 for distribution on behalf of clients, and reconciliation with B3 registry services.
• ANBIMAcoreOthersRTM is a member company of ANBIMA (Brazilian Financial and Capital Markets Investors Association), positioning the company as a neutral agent in the investment fund industry and enabling active participation in regulatory discussions.
• SWIFTcoreTechnology or IntegrationSWIFT Bureau partnership providing RTM's hardware, systems, connectivity, and software infrastructure for institutions accessing the SWIFT network. Features redundant sites in Sao Paulo and Rio de Janeiro with certified Portuguese support. RTM and SWIFT also created a Community Onboarding for Pre-Validation API configuration.
• Red HatcoreTechnology or IntegrationAdvanced Business Partner status with Red Hat for open source solutions including OpenShift Platform and OpenShift Autopilot cloud services. RTM received recognition at Red Hat Ecosystem Innovation Awards 2026 for automation innovations in LATAM.
• BBChaincoreStrategic or Co-development PartnerPartnership to offer Sandbox Drex solution simulating Brazil's Central Bank Real Digital pilot project. Provides testing environment for financial institutions preparing for Drex (CBDC) implementation using Hyperledger Besu permissioned blockchain.

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Equinix: Global data center and interconnection operator with a strong São Paulo presence serving Brazilian financial institutions. Equinix competes with RTM's colocation, data center, and cross-connect services and serves many of the same financial-sector customers in Brazil.
• Temenos: Global banking software provider offering core banking, payments, and wealth management platforms. Temenos indirectly competes with RTM's Hub Fundos, Open Finance, and payments infrastructure solutions for the same bank and asset management transformation budgets.
• TOTVS: Largest Brazilian enterprise software company with broad coverage of financial services, including core banking, asset management, and ERP for financial institutions. TOTVS is a much larger incumbent that competes indirectly with RTM across multiple Brazilian financial-sector software categories.
• Stefanini: Major Brazilian-headquartered global IT services and systems integration firm with strong financial-sector exposure. Stefanini competes with RTM on systems integration, cloud, and managed services for banks and fintechs, though with a broader, less financial-verticalized portfolio.
• FIS (Fidelity National Information Services): Large global provider of financial services technology, including payment processing, core banking, and capital markets infrastructure. FIS overlaps with RTM in payments and capital markets connectivity, though at a much larger scale and primarily outside Brazil.

Direct peers

• ACI Worldwide: Global real-time payment and financial messaging infrastructure provider whose UP Immediate Payments and SWIFT-adjacent offerings overlap with RTM's Hub Pagamentos and SWIFT Bureau products. ACI Worldwide competes for the same payment institution and bank infrastructure budgets, though primarily outside Brazil.
• TIVIT: Latin American IT services and cloud provider offering managed cloud, cybersecurity, and digital infrastructure to financial institutions across Brazil. TIVIT directly competes with RTM's Cloud Services, data center, and managed connectivity offerings in the Brazilian financial sector.
• BRITech: Brazilian technology vendor serving asset managers, capital allocators, distributors, and fund administrators with Global Markets and post-trade solutions. BRITech is a strategic integration partner of RTM's Hub Fundos but also operates an overlapping suite for investment management workflows.
• Sinqia: Brazilian provider of software for the financial market, including investment fund management and back-office systems. Sinqia is both an integration partner of RTM's Hub Fundos and a competing provider of fund industry automation software to similar institutional customers in Brazil.

Others

• B3: Brazilian stock exchange and market infrastructure operator that is both an RTM customer/partner (via Hub Fundos clearing integration) and an adjacent infrastructure provider for the Brazilian capital market. B3 sits in RTM's ecosystem as an anchor counterparty rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/RTMtelecom

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about RTM