Cartórios de Protesto-RJ (IEPTB-RJ)

What Cartórios de Protesto-RJ (IEPTB-RJ) does

Cartórios de Protesto-RJ (IEPTB-RJ) is the Rio de Janeiro state section of the national Instituto de Protesto de Títulos do Brasil, functioning as a non-profit institute that coordinates protest notary offices (cartórios de protesto) across the State of Rio de Janeiro. Founded in 2010 and operating with 11 employees under the regulatory oversight of the Tribunal de Justiça do Estado do Rio de Janeiro (TJRJ) and the Corregedoria Geral da Justiça (CGJ), the organization serves two primary user groups: creditors (businesses, merchants, and financial institutions) seeking debt recovery and credit management, and debtors (individuals and businesses) seeking to regularize their credit status.

The core technology platform is the CENPROT NACIONAL system, which enables electronic title submission, electronic protest certificates, electronic summons (intimação eletrônica), authenticity verification, and debt negotiation—operated through IEPTB's shared electronic services infrastructure. Additional proprietary features include the Avisa-me SMS/email alert system and the Resolve negotiation platform introduced in 2024 under Provimento nº 168. The integrated stack delivers an end-to-end digital protest pipeline, eliminating physical service of notices and enabling 24/7 access via pesquisaprotesto.com.br and crarj.crabr.com.br.

Revenue is generated indirectly through emolument-based fees fixed by state law (paid by debtors to individual cartórios) and directly through complementary service tariffs paid by conveniado partners for 24/7 platform access, training, reconciliation, and reporting tools. The Febraban agreement since 2017 channels 13 million electronic titles and R$40 billion in financial volume through the national system annually, with creditors bearing zero emolument cost. Marketing spans content (blog), social media (Instagram, Facebook, LinkedIn, YouTube, TikTok), SEO, the Avisa-me alert funnel, and the annual Convergência event gathering 600+ attendees.

Name

Cartórios de Protesto-RJ (IEPTB-RJ)

Legal name

Instituto de Protesto de Títulos do Brasil-Seccional-RJ

Website

https://cartoriosdeprotestorj.com.br

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

IEPTB-RJ is a non-profit institute coordinating Rio de Janeiro's protest notary offices, providing an electronic platform for creditors to protest debts and debtors to clear credit records. It serves businesses, banks, and individuals across the state under regulatory oversight.

Ownership category

akta.pro rank

Product category

Notary & Extrajudicial Protest Services

NAICS

Collection Agencies (561440), Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industry

Debt Settlement & Negotiation Services (FSAEAFAC)

Keywords

• Protest services
• Debt recovery
• Notary services
• Electronic title submission
• Credit certificates

Headquarters

HQ city

Rio de Janeiro

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Emoluments from Protest Services: Fees (emolumentos) charged by notary offices for protest services. These values are fixed by state law and supervised by the Judicial Branch. In the example cited, R$100.00 in emoluments generates R$56.27 in legal additions (acréscimos legais) destined to funds and public bodies, totaling R$156.27. All costs are borne by the debtor, making it zero-cost for the creditor.
2. Emoluments from Certificate Issuance: Fees charged for issuing electronic or physical protest certificates, regulated by state law with portions directed to the Tribunal de Justiça, Defensoria Pública, Procuradoria do Estado, gratuity funds, UERJ, ALERJ, Tribunal de Contas, and municipal ISS.
3. Protest Cancellation Fees: Fees charged for protest cancellation services, regulated by Lei nº 9.492 of September 10, 1997. The debtor is responsible for the cancellation procedure if the creditor grants authorization.
4. Complementary Service Tariff for Conveniados: Partner companies (conveniados) who register with the network pay only a complementary service tariff for access to the 24/7 platform for title submission and management, including reports, reconciliation, and training.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels9 records

Core offering

IEPTB-RJ coordinates the official network of protest notary offices (cartórios de protesto) throughout the State of Rio de Janeiro, providing extrajudicial debt recovery services through electronic title submission, protest registration, issuance of protest certificates, protest cancellation, and debtor notification. The organization enables creditors to formally register debtor default through official channels, with more than 65% of debts recovered within 5 business days. All services are delivered digitally through the PesquisaProtesto.com.br platform with regulatory oversight from the Tribunal de Justiça do Estado do Rio de Janeiro.

Product overview

IEPTB-RJ operates a network of protest offices across Rio de Janeiro as an official extrajudicial service provider (Instituto de Protesto de Títulos do Brasil - Seccional RJ). The organization offers a comprehensive digital platform centered on protest services that enables credit recovery through official title protest, electronic certificates, and cancellation services. The product portfolio centers on the core Protesto de Títulos service, supported by Certidão de Protesto (electronic/physical certificates), Cancelamento de Protesto (cancellation with creditor authorization), and Consulta Gratuita (free CPF/CNPJ search). These are delivered through the primary PesquisaProtesto.com.br platform, with additional services including the Verificador de Autenticidade (authenticity verification), Edital Eletrônico (electronic summons), Emolumentos (fee schedules), and the Avise-me alert system (SMS/email debt notifications). A dedicated conveniado platform enables partner institutions to submit and track titles, while the Resolve platform facilitates debt negotiation between financial institutions and protest offices, all integrated through the electronic submission system established with Febraban since 2017.

Differentiator

Problem solved

Functional benefit

Brands

• RESOLVE: Integration platform between protest notary offices (IEPTB) and financial institutions for debt negotiation, providing an official, secure, and reliable environment for negotiations.

Products and services

• Protesto de Títulos (Title Protest)
• Certidão de Protesto (Protest Certificate)
• Cancelamento de Protesto (Protest Cancellation)
• Consulta Gratuita de CPF/CNPJ (Free CPF/CNPJ Protest Search)
• Verificador de Autenticidade (Authenticity Verification)
• Edital Eletrônico (Electronic Bulletin)
• Emolumentos (Fee Schedule Service)
• Avise-me (Alert Service)
• Resolve (Debt Negotiation Platform)
• Plataforma Conveniado (Partner Platform)
• PesquisaProtesto.com.br (Main Digital Service Platform)

Quantifiable outcome

• 65% of debts are recovered in up to 5 business days
• +3 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature7 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Febraban (Federação Brasileira de Bancos)coreStrategic or Co-development Partner · 1 January 2017Febraban has had a formal agreement since 2017 for electronic submission of titles for protest. In 2023, 13 million titles worth R$40 billion were sent via the Febraban electronic submission channel. Febraban's director of Legal Affairs, Vicente de Chiara, is a key advocate for the digital protest ecosystem and contributes to policy discussions regarding the protest sector's role in credit recovery and desjudicialização.
• TJRJ (Tribunal de Justiça do Estado do Rio de Janeiro)coreOthersThe TJRJ is the regulatory and supervisory body for protest notary offices in Rio de Janeiro. The Corregedoria Geral da Justiça (CGJ) oversees standards, rules, and technological requirements. The TJRJ also partners on initiatives like innovative municipal tax collection models using AI.
• ANOREG/RJ (Associação dos Notários e Registradores do Estado do Rio de Janeiro)coreStrategic or Co-development PartnerANOREG/RJ is the state association representing notarial and registry offices in Rio de Janeiro, including protest notaries. IEPTB-RJ works closely with ANOREG/RJ on initiatives including the 19th Convergência event and transparency about fee structures.
• CGJ (Corregedoria Geral da Justiça)coreOthersThe CGJ (under TJRJ) is the oversight body that sets standards and minimum technological requirements for protest notary offices via provimentos (regulations). It authorized electronic summons under Provimento nº 97 of 2020 and regulates the pre-negotiation solution under Provimento nº 168.
• ENOREG/RJ (Instituto de Estudos de Notas e Registros do Estado do Rio de Janeiro)minorStrategic or Co-development PartnerENOREG/RJ is referenced as a partner organization for the protest notary network, providing research and educational support.
• COOPNORE (Cooperativa de Economia e Crédito Mútuo dos Notários e Registradores do Estado do Rio de Janeiro)minorOthersCOOPNORE is a cooperative of notaries and registrars in Rio de Janeiro that serves the protest notary community.
• IRTDPJ/RJ (Instituto de Registro de Títulos e Documentos e Pessoas Jurídicas do Estado do Rio de Janeiro)minorOthersIRTDPJ/RJ is a partner institute for document and business registration services in Rio de Janeiro, collaborating within the extrajudicial services ecosystem.
• IEPTB/BR (Instituto de Protesto de Títulos do Brasil - National)coreStrategic or Co-development PartnerIEPTB/BR is the national parent institute of which IEPTB-RJ is the Rio de Janeiro section. The national institute develops the CENPROT NACIONAL platform and shared electronic services for all state sections. It also collaborates on the Resolve platform for pre-protest negotiations and is developing tools per Article 378 of Provimento nº 168 for financial citizenship campaigns.
• CENPROT NACIONALcoreTechnology or IntegrationCENPROT NACIONAL is the national platform that will concentrate all electronic protest services across Brazil, presented by IEPTB-RJ to all protest notary offices. It is the unified technology backbone for the national IEPTB system, integrating electronic title submission, certificates, and negotiations.
• Resolve (Cenprot/IEPTB Debt Negotiation Platform)coreTechnology or IntegrationResolve is a digital platform integrating protest notary offices (IEPTB) with financial institutions to provide an official, secure environment for debt negotiations — both pre-protest negotiated settlements and renegotiation of already-protested debts. Operated by Cenprot (IEPTB's national shared services entity).
• CNJ (Conselho Nacional de Justiça)coreOthersThe CNJ sets national standards for protest notary offices via provimentos, including Provimento nº 97 (electronic summons) and Provimento nº 168 (pre-protest negotiated settlement). CNJ data shows 84 million cases in progress, underscoring the importance of extrajudicial protest mechanisms.

Scale indicators11 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Serasa Experian: Brazil's largest credit bureau and consumer credit reporting agency. Comparable as a centralized consumer credit information and debt recovery infrastructure provider, though it operates far more broadly than IEPTB-RJ's protest-specific scope.
• Boa Vista SCPC: Major Brazilian credit bureau offering credit reporting, scoring, and recovery services. Comparable to IEPTB-RJ's certificate/credit reporting function and adjacent to its collection role.
• Instituto de Protesto de Títulos do Brasil (IEPTB Nacional): National parent institute of IEPTB-RJ. Operates the national CENPROT NACIONAL platform and the Resolve debt negotiation platform. Directly comparable as the head of the same state-section network IEPTB-RJ belongs to.

Emerging players

• Celcoin: Brazilian fintech providing collections, payment, and financial infrastructure APIs. Comparable as a digital-first alternative to traditional collection mechanisms, though Celcoin focuses on automated digital collections rather than formal protest.
• Cartório 24h / Protesto Online: Online platform aggregating access to multiple cartórios for protest and certificate services. Comparable as a digital channel for protest electronic submission, though legally it operates as an intermediary accessing the same IEPTB infrastructure.

Others

• Patrus Transportes (Jurídico/Recovery): Large Brazilian logistics company with corporate debt recovery operations. Comparable only as a creditor consistently using protest channels, illustrating the broader B2B debt recovery ecosystem IEPTB-RJ serves.
• ANOREG-BR (Associação Nacional dos Notários e Registradores): National association representing notaries and registrars broadly (notary ecosystem). Comparable as ecosystem participant supporting the same state-delegated public notarial services that IEPTB-RJ represents for protest specifically.

Regional players

• CERC (Central de Recebíveis): Brazilian receivables registry and credit infrastructure operator. Comparable as a centralized infrastructure for credit and default information in Brazil, operating in adjacent credit data territory.

Direct peers

• IEPTB-SP (Seccional São Paulo): São Paulo state section of IEPTB with its own electronic protest platform (protesto.com.br). Closest direct peer in the same network, operating identical business model and regulatory framework in Brazil's largest state economy.
• Quod (formerly Cache): Brazilian credit bureau founded by major banks (Bradesco, Santander, Itaú, Caixa). Comparable as a centralized consumer credit information platform serving the same banking creditor segment that submits through IEPTB.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/cartoriosdeprotestorj
• LinkedInlinkedin.com/company/ieptbrj
• Instagraminstagram.com/cartoriosdeprotestorj

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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M&A

Investments

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

Frequently asked questions about Cartórios de Protesto-RJ (IEPTB-RJ)