Financial Market & Fintechs

VBSO Advogados is recognized both nationally and internationally as one of Brazil’s top law firms with expertise in the Financial Market and Fintechs.

Our practice has been highlighted in national and international specialized rankings since the firm’s inception in 2009.

Our partners possess professional and academic experience in financial market matters, combining theoretical tools and practical sensitivity to offer assertive solutions for complex and innovative structures.

The Brazilian financial sector plays a crucial role in the national economic landscape, fostering the country’s growth and development by enabling capital raising for companies of all sizes and facilitating household consumption through credit.

Moreover, the proliferation of new technology startups focused on providing financial services, known as fintechs, has increasingly encouraged the inclusion of new players at all stages of the resource intermediation process between economic agents. The emergence and popularization of digital assets and their impact on Financial Market regulation are also areas in which our professionals have profound knowledge.

Key Services:

• Advisory on financial operations and loans, including local and international loans, syndicated loans, aircraft and vessel financing, export financing, and international market securities issuance.
• Assistance in structuring derivative instruments.
• Advisory on complex foreign exchange transactions.
• Support in structuring and reviewing financial products and services in compliance with applicable regulations for financial institutions, payment arrangements, insurance companies, and pension funds.
• Advisory on defining business models for operations in the financial market.
• Guidance on establishing and obtaining operating authorizations for all types of financial institutions regulated by the Central Bank of Brazil, including banks, securities distributors, credit fintechs, among others.
• Consultancy on compliance rules established by regulatory and self-regulatory bodies in the financial and cryptocurrency sectors.
• Structuring financing operations for financial institutions, such as the issuance of Financial Letters, Structured Operations Certificates, Real Estate Credit Letters, Secured Real Estate Letters, Subordinated Debts, and Hybrid Capital and Debt Instruments.
• Advisory on trade finance operations.
• Structuring guarantees for local and international banking operations.
• Advisory to companies on structuring and negotiating loans and financing with local and foreign development banks and multilateral development organizations.
• Structuring securitization operations involving financial credit securitization companies and Credit Rights Investment Funds (FIDC).
• Advisory on corporate reorganizations and M&A involving financial institutions.
• Advisory on regulatory aspects related to the issuance, purchase, sale, and intermediation of cryptocurrencies and crypto assets.
• Structuring corporate and contractual arrangements for fintechs.
  Assistance in administrative proceedings before the Central Bank of Brazil and the National Financial System Resources Council (“Conselhinho”), and advisory in responding to inquiries from regulatory bodies in routine audits and inspections.
• Representation of our clients in administrative proceedings before the CVM, Central Bank, and the National Financial System Resources Council, as well as obtaining government licenses and concessions.
• Experience in advising on the structuring and establishment of cryptocurrency trading and exchange companies, including drafting and discussing internal regulations, trading rules, terms and conditions for websites, platform membership rules, and other necessary documents for operational activities.
• Legal consultancy on the adoption of blockchain, data capture, and analysis (big data) in fintech business models.