Ativos Precatórios

What Ativos Precatórios does

Ativos Precatórios (legal entity: ATIVOS EXCHANGE TECNOLOGIA LTDA) is a Brazilian fintech operating a two-sided marketplace for court-ordered government debts (precatórios and RPVs). Founded in 2022 and headquartered in Recife, Pernambuco, the company connects individual creditors holding precatórios from lawsuits against public entities (federal, state, municipal, INSS, FUNDEF) with institutional investors and funds willing to purchase those credits at a discount (deságio). Revenue is generated through transaction fees embedded in the credit assignment (cessão de crédito), broker network commissions on intermediated deals, and potentially subscription revenue from the VORA income platform.

The company's product stack is anchored by Celer, the end-to-end transaction platform for cedentes and partners, supported by RADAR — an AI and data-intelligence engine that forecasts public-entity payment timelines to inform discounting and queue positioning. Wallet Ativos provides real-time investment monitoring, while VORA targets retail users seeking income-generation tools. A forthcoming Exchange platform is announced for tokenized precatórios. Ativos employs a sales-led, direct-to-consumer go-to-market combining SEO-optimized tribunal-specific content, WhatsApp-driven inside sales, social media presence (Instagram, Facebook, LinkedIn, YouTube), and a certified broker partner program ('Seja Broker') for distributed origination.

The business operates exclusively in the Brazilian domestic market and serves five primary customer segments: individual creditors (primary), precatório brokers, institutional investors and funds, INSS precatório holders, and public servants with salary-dispute credits. Pricing is quote-based and varies by credit type, jurisdiction, face value, and queue position.

Name

Ativos Precatórios

Legal name

ATIVOS EXCHANGE TECNOLOGIA LTDA

Website

https://ativos.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Ativos Precatórios is a Brazilian fintech operating a two-sided marketplace that connects individual precatório and RPV creditors with institutional investors, facilitating credit assignment transactions supported by an AI-powered payment prediction engine and a multi-platform ecosystem.

Ownership category

akta.pro rank

Headquarters

HQ city

Recife

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, Marketing or Sales, Infrastructure

Revenue model

1. Transaction Fee — Credit Assignment (Cessão de Crédito): Ativos earns revenue by facilitating the sale (cessão de crédito) of precatórios from creditors to investors/funds. The company charges a transaction fee embedded in the deságio (discount) applied to the face value of the precatório. The deságio compensates the investor for time risk and covers Ativos's intermediary margin. Creditors receive immediate liquidity; investors receive the full face value at a future date.
2. Broker Network Fees: Ativos earns fees from the network of certified brokers ('brokers de precatórios') who use the platform to connect creditors with investors. Brokers act as intermediaries, conducting due diligence and matching supply and demand of precatório credits, with Ativos taking a share of each completed transaction.
3. VORA Subscription / Income Platform: VORA is a separate platform that helps users increase their monthly income, suggesting a subscription or membership model for access to premium precatório investment opportunities and advisory services.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Ativos Precatórios operates a two-sided marketplace that facilitates the anticipation (cessão de crédito) of court-ordered government debts — precatórios and RPVs — connecting individual creditors who need immediate liquidity with institutional investors and funds who purchase those credits at a discount. The company provides end-to-end transaction management via its Celer platform, AI-powered payment forecasting through its RADAR engine, and broker intermediation services, serving the Brazilian precatório market.

Product overview

Ativos Precatórios operates as a multi-platform financial technology company serving the Brazilian market for court-ordered government debt (precatórios and RPVs). The core platform is Celer, which provides a complete end-to-end experience for creditors seeking to anticipate their court judgments, supported by Radar — an AI-powered data analysis engine that forecasts public-entity payment timelines. VORA is an income-maximization tool, while Exchange is an announced but forthcoming platform. The Wallet Ativos module enables real-time investment tracking. Together, these products form a connected ecosystem that allows creditors to convert long-awaited court judgments into immediate liquidity, with brokers and investors facilitated through the platform.

Differentiator

Problem solved

Functional benefit

Brands

• RADAR: AI and data analysis motor for predicting government payment schedules
• VORA
• Celer
• ATIVOS Exchange
• Ativos Tax Audit

Products and services

• Celer Platform End-to-end digital platform for managing the full cessão de crédito lifecycle, providing security, transparency, and performance for cedentes (creditors) and partners. Enables real-time investment tracking and full transaction management.
• VORA Platform Income-generation platform connecting individuals to precatório investment opportunities and tools to increase monthly income.
• Antecipe — Precatório and RPV Anticipation Service Core service for individual creditors to anticipate (sell/assign) their precatório or RPV credits against public entities for immediate cash, rather than waiting years for government payment. Includes a multi-step intake flow covering credit type, jurisdiction, value range, and contact preference.
• Investir em Precatórios — Investor Portal Portal for institutional investors, family offices and HNW individuals to access precatório investment opportunities at discount, with returns corrected by Selic and inflation and backed by sovereign entities; opportunities also usable for tax offsetting (compensação tributária).
• Seja Broker — Broker Partner Program Recruitment, training and onboarding program for licensed intermediaries ('brokers de precatórios') who prospect creditors, conduct due diligence, and earn commissions on completed transactions.
• Ativos Tax Audit Tax audit and fiscal optimization service for businesses, supporting tax-related matters that may intersect with precatório usage for compensação tributária.

Quantifiable outcome

• Government to release R$ 70.7 billion in precatório payments in 2025 (CNJ data)
• +6 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature6 records

Scale indicators8 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Creditas: Major Brazilian consumer and asset-backed credit fintech. Comparable to Ativos as a tech-enabled credit intermediation platform serving Brazilian consumers with alternative-asset and collateral-backed products, although Creditas focuses on home/auto collateral rather than precatórios.
• Banco BMG: Large Brazilian commercial bank with a long-established presence in judicial credit and precatório-backed lending. Comparable to Ativos because it operates on the institutional buy-side of the precatório market and competes for the same creditor and investor flow, but with materially deeper balance-sheet capacity.
• Recovery: Brazilian judicial-credit and credit-recovery firm. Comparable to Ativos in addressing creditors holding court-ordered entitlements, though Recovery's core business is recovery and purchasing of distressed credits rather than retail-facing precatório anticipation.
• Geru: Brazilian online consumer-lending fintech. Comparable to Ativos as a digitally native credit intermediation platform targeting Brazilian consumers, though focused on unsecured personal loans rather than judicial credits.
• Facta Financeira: Brazilian financial institution active in credit intermediation and judicial-credit operations. Comparable to Ativos in that it participates in the broader ecosystem of acquiring and intermediating court-ordered credits, though with a wider product portfolio and broader geographic footprint.
• Direcional: Brazilian financial group historically involved in acquiring and managing judicial credits, including precatórios. Comparable to Ativos on the institutional buy-side of the cessão de crédito market, though with a more wholesale investor orientation.

Emerging players

• Just: Brazilian legal-tech and consumer-rights fintech helping individuals recover judicial credits. Comparable to Ativos in supplying creditor-side flow in the Brazilian judicial-credit ecosystem, though its primary model is recovery origination rather than precatório anticipation.
• Z1: Brazilian digital-bank and teen-account fintech. Included as an adjacent emerging player in the Brazilian fintech landscape with overlapping engineering talent and digital-account infrastructure that could conceivably expand into precatórios, though not a direct comp today.

Others

• Projuris: Brazilian legal practice-management software used internally by Ativos to track judicial workflows associated with precatório transactions. Relevant as an enabling technology partner rather than a competitor, but indicative of the broader legal-tech ecosystem Ativos operates within.
• DocuSign: Global electronic-signature platform used by Ativos (per its tech stack) to formalize cessão de crédito contracts. Relevant as an enabling infrastructure provider rather than a competitor, illustrating the digital-execution tooling layer Ativos depends on.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@Ativosprecatorios
• Facebookfacebook.com/ativosprecatorios
• LinkedInlinkedin.com/company/ativosprecatorios
• Instagraminstagram.com/ativosprecatorios

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Ativos Precatórios