PI Route
Payment Institution pathway for core payment operations.
- Payment-processing and transfer-centered models
- Wallet/payments operational structures
- BCB authorization workflow support
- Reference figure on current page: €75,000
BRAZIL
BRAZIL • FINANCIAL LICENSING
Brazil: EMI & PI License Pathways
Launch in Brazil with a compliance-first payment strategy through PI and/or EMI licensing routes. We support structure design, licensing-readiness implementation, AML/KYC framework setup, and operational onboarding for local and international teams.
BCB-regulated framework
PI and EMI route support
PIX/payment ecosystem readiness
Remote founder-friendly execution
Private scoping: operations@readycorp.co
Regulatory snapshot
Brazil’s PI and EMI frameworks are commonly used by teams that want licensed payment operations, stronger market credibility, and integration into one of LATAM’s largest digital-finance ecosystems.
PI pathway (Payment Institution)
Suitable for payment-service models such as processing, wallets, and transfer-related operations.
EMI pathway (Electronic Money Institution)
Route for e-money issuance and broader wallet/payment structures, including merchant-focused flows.
Compliance and trust layer
BCB-aligned operation can strengthen partner confidence and support long-term scaling strategy.
PI vs EMI at a glance
Most projects begin with route selection based on services, transaction profile, and launch priorities.
EMI Route
Electronic Money Institution pathway for expanded e-money/payment scope.
- E-money issuance and wallet-oriented services
- Cross-border and merchant-acquiring-oriented scope
- PI + EMI activity architecture support
- Reference figure on current page: €88,650
Engagement options
We show reference route figures from current materials and finalize scope privately based on your model.
Package A - Brazil PI Authorization Route
€75,000
- Brazil LLC formation support
- Shareholders’ agreement drafting workflow support
- CNPJ workflow for foreign shareholders
- BCB-adherence and eligibility mapping
- End-to-end PI authorization process support
Best for teams focused on payment-institution entry with a clear compliance baseline.
Package B - Brazil EMI + PI Activity Scope
€88,650
- Brazil LLC formation support
- Shareholders’ agreement drafting workflow support
- CNPJ workflow for foreign shareholders
- BCB-adherence and authorization planning
- EMI-capable structure including wallets, cross-border flows, and merchant-acquiring scope
Best for teams needing broader payment capability beyond a base PI-only design.
Figures shown are reference values from current materials and may vary by scope, structure, and implementation requirements.
Typical service activities supported
Brazil PI/EMI builds are commonly structured around the following service capabilities.
PI-oriented scope
- Payment processing operations
- Electronic wallet/payment-account support
- Peer-to-peer and payment transfer flows
- Merchant-facing payment workflows
EMI-oriented scope
- Electronic money issuance structures
- Prepaid/payment instrument programs
- Cross-border payment activity support
- Merchant acquiring-aligned architecture
Core implementation building blocks
Most projects include governance, compliance, and operational readiness layers before go-live.
Governance & corporate structuring
Entity formation, shareholder structuring, role accountability mapping, and process ownership framework.
AML/KYC compliance stack
Risk-based onboarding standards, control procedures, monitoring logic, and escalation pathways.
Operational integration
Banking/payment workflow alignment, partner integration planning, and production-readiness controls.
Reporting & continuity
Regulatory-facing process preparation, internal evidence structure, and ongoing compliance cadence.
Implementation timeline
A practical sequence used for most Brazil PI/EMI engagements.
1
Scope mapping
Classify activities and determine PI-only or PI+EMI route based on product and transaction profile.
2
Entity & governance setup
Establish legal structure, shareholder framework, and compliance ownership model.
3
Authorization-readiness build
Implement AML/KYC stack, documentation pack, and BCB-facing workflow preparation.
4
Launch readiness
Finalize partner onboarding, internal controls, and operational handover for go-live.
FAQ
Quick answers for teams evaluating Brazil EMI/PI.
How do we choose between PI and EMI?
It depends on your service scope, product architecture, transaction model, and growth plan. We map this first before recommending PI-only or PI+EMI structure.
Can international founders use this route?
Yes, many projects are structured for foreign shareholders, subject to documentation and operational requirements.
Can this route support wallet and merchant-payment models?
Typically yes. These are common components in Brazil PI/EMI-oriented operating structures.
Are the listed figures fixed?
They are reference figures from current materials. Final scope and fees are confirmed during private scoping.
Note: This page is for general information and does not constitute legal, tax, or regulatory advice.
Ready to launch EMI/PI in Brazil?
Send your model and target markets — we’ll return a private Brazil roadmap with route options and next steps.
