Brazil has become one of the most complex and dynamic payment markets in the world. As transaction volumes grow, use cases diversify, and regulatory oversight intensifies, operating payments in the country now requires far more than simple technical connectivity.
With new regulatory requirements taking effect in 2026, impacting payment institutions, FX-related activities, and crypto-linked operations, international companies are facing a new reality: payment operations must be structured, traceable, and operationally controlled from day one.
Speed still matters. But structure, accountability, and compliance have become equally essential.
The New Regulatory Context in Brazil
Brazilian regulators have consistently strengthened oversight across the entire financial ecosystem. The focus has shifted away from basic payment connectivity toward how financial flows are governed, monitored, and controlled throughout their full lifecycle.
Today, authorities expect companies to clearly demonstrate ownership of funds, predictable operational processes, robust dispute and fraud-handling mechanisms, and transparent reporting with full auditability.
For international platforms, including exchanges, marketplaces, fintechs, and OTC desks, this means that operating payments in Brazil is no longer just a technical challenge. It has become a regulatory and operational responsibility.
The Real Operational Challenge for International Companies
Pix has transformed how money moves in Brazil. It is fast, widely adopted, and operates 24/7. However, as companies scale their operations, many quickly realize that Pix alone does not constitute a complete payment operation.
Common challenges arise around fragmented visibility of payment flows, manual reconciliations and reporting, limited balance and liquidity control, and formal dispute-handling requirements such as MED. As volumes increase, compliance obligations also grow, placing additional pressure on operational teams.
Without a structured operational layer, these challenges turn into bottlenecks, raising risk, cost, and internal complexity.
Introducing Gowd Account: an Operational Payments Layer
Gowd Account was built precisely to fill this gap.
Rather than acting solely as a payment endpoint, Gowd Account functions as an operational account layer that underpins regulated payment flows in Brazil, supporting P2P, exchange, and OTC use cases.
It provides centralized visibility of balances and transactions, seamless integration with Pix In and Pix Out flows, structured reporting and statements, and operational controls aligned with regulatory expectations. Its flexible account structure allows different business models to operate within a single, scalable framework.
This enables companies to evolve from fragmented payment execution to controlled, scalable operations.
Compliance and Protection
In Brazil, compliance is not optional or secondary. Mechanisms such as MED (Special Refund Mechanism) require formal processes for analysis, response, and dispute resolution.
Gowd Account was designed with compliance at its core, offering support for structured MED request handling, formal validation and response workflows, and alignment with Central Bank requirements. This ensures operational predictability even in dispute scenarios or regulatory investigations.
By embedding compliance directly into the operational model, companies reduce risk without compromising continuity or control.
Why a Structured Account Is Essential Under the New Regulation
As Brazil’s regulatory environment continues to evolve, companies are expected to demonstrate not only compliance, but also operational responsibility.
A structured payment account becomes essential to ensure auditability and fund traceability, maintain predictable settlements and reporting, support scalable growth without rebuilding infrastructure, and operate safely under increasingly strict regulatory scrutiny.
In this context, Gowd Account is not just a product, it is the foundation for regulated payment operations in Brazil.
Operating With Confidence
International companies entering or expanding in Brazil need more than speed. They need clarity, structure, and reliability.
Gowd Account provides the operational foundation required to run compliant, scalable payment flows, allowing businesses to focus on growth while meeting the demands of an increasingly regulated environment.
Learn more about Gowd Account and speak with our team at gowd.com.
