Brazilian Fintech Association (ABFinTechs)

Introduction

Brazilian Fintech Association (ABFinTechs), formally Associação Brasileira de Fintechs, is a Brazilian fintech association representing companies in the country’s financial technology ecosystem. It supports fintechs through advocacy, ecosystem development, business connections, content, events and engagement with public-sector and regulatory stakeholders. ABFinTechs is relevant to PSPs, payment institutions, digital account providers, Pix participants, open finance providers, processors and fintech infrastructure companies that operate in or monitor Brazil’s financial services market.

What is ABFinTechs and who does it represent

ABFinTechs is a national association for fintech companies operating in Brazil. It represents fintechs across financial verticals, including payments, digital accounts, credit, banking infrastructure, open finance, regtech, crypto, insurance, investment technology and other technology-enabled financial services.

The association’s role is to support the development of Brazil’s fintech ecosystem and represent member interests in discussions with government and regulatory bodies. It also helps connect fintech companies with partners, market opportunities, knowledge resources and ecosystem initiatives.

For payment operators, ABFinTechs is most relevant as a Brazil-focused fintech association rather than a payment rail operator or technical rulebook body. Its value is strongest where payments intersect with Brazilian fintech regulation, Pix, Open Finance, digital accounts, merchant services, embedded finance, compliance and innovation policy.

Mission and advocacy focus

ABFinTechs works to help fintech companies become sustainable businesses in Brazil. Its mission combines representation, ecosystem development, knowledge-sharing and business generation among members and market participants.

The association advocates for a regulatory and market environment that allows fintech companies to grow responsibly. Its work is relevant to public policy discussions involving competition, innovation, financial inclusion, digital financial services, access to infrastructure, data-sharing, payments and regulation of new financial business models.

ABFinTechs is also useful for companies that need to understand how Brazil’s fintech ecosystem is evolving. Brazil is one of the most active fintech markets in Latin America, with major developments around Pix, Open Finance, digital banking, embedded finance, instant payments and digital credit.

Policy domains

• Fintech regulation and ecosystem development — Advocacy and ecosystem activity around rules affecting Brazilian fintech companies and financial innovation.
• Payments, Pix and digital accounts — Relevance for payment institutions, wallets, account providers, processors, payment initiation providers and fintechs building around Brazil’s payment infrastructure.
• Open Finance and data sharing — Coverage of Brazil’s Open Finance agenda, consumer-permissioned data, APIs, account connectivity and payment initiation.
• Digital credit and alternative finance — Relevance for lending fintechs, embedded finance providers, credit platforms and risk technology companies.
• Regtech, compliance and fraud prevention — Interest for companies dealing with KYC, AML, fraud controls, onboarding, cybersecurity and regulatory operations.
• Financial inclusion and competition — Support for technology-led models that expand access to financial services and increase competition in the Brazilian market.
• Digital assets and emerging financial technologies — Ecosystem relevance for companies tracking crypto, blockchain, tokenisation, AI and other innovation-led financial services.

Geographic scope and cross-border reach

ABFinTechs primarily focuses on Brazil. Its work is most relevant to fintech companies and payment operators serving Brazilian users, partnering with Brazilian financial institutions, building products for the Brazilian market or monitoring Brazilian fintech regulation.

International PSPs, processors and fintechs may follow ABFinTechs to understand Brazil’s fintech ecosystem, identify local partners and monitor policy themes around Pix, Open Finance, digital accounts, payment institutions and financial innovation. It does not provide payment licences, Pix participation approval, bank sponsorship, acquiring relationships or regulatory authorisation.

Why ABFinTechs matters for payments operators

ABFinTechs matters for PSPs, payment institutions, Pix participants, processors, gateways, wallets, orchestration platforms, digital account providers, open finance providers and fintech infrastructure companies with exposure to Brazil.

For payment operators, Brazil is a high-priority market because payments are closely connected to fintech regulation, instant payments, open finance, digital accounts, merchant acquiring, consumer onboarding, fraud controls and embedded financial services. ABFinTechs helps companies follow the policy and ecosystem conversations around these themes.

The association is especially relevant where a payment firm needs visibility into Brazilian fintech priorities, regulatory discussions, market partnerships and innovation trends. PSPs can use ABFinTechs to understand how fintech companies are responding to developments such as Pix, payment initiation, Open Finance, digital banking, credit fintech regulation and compliance requirements.

ABFinTechs is useful for policy, legal, compliance, partnerships, product, strategy, risk, market expansion and executive teams. It is less relevant for technical scheme rules or direct payment infrastructure access, where the Central Bank of Brazil, Pix rulebooks, card schemes, acquirers and banking partners are more directly operational.

Who runs ABFinTechs and who are the members

ABFinTechs operates as a fintech association with leadership, members, partners, public activity, content, events and advocacy work. Its community includes fintech companies in different stages of development as well as organisations that support Brazil’s fintech ecosystem.

The strongest member fit is for fintech companies operating in Brazil and for partners that want to support fintech development. Payment companies may find the association useful when they are part of the Brazilian fintech ecosystem or serve fintech, merchant, wallet, Pix, digital account or embedded finance use cases.

Members and participant categories

Member activity

ABFinTechs member activity may include advocacy, content, events, business connections, ecosystem initiatives, working groups, research participation and engagement with public-sector or regulatory discussions. Members may use the association to follow regulatory themes, connect with peers, access knowledge resources and increase visibility in Brazil’s fintech ecosystem.

Participation is most useful for companies that want Brazilian market context, fintech ecosystem connections and policy visibility rather than direct access to payment rails or formal regulatory approval.

What does ABFinTechs publish and who does it influence

Policy and regulatory engagement

ABFinTechs engages with Brazilian public-sector and regulatory stakeholders on issues affecting fintech development. Its advocacy is most relevant where regulation affects payment institutions, digital accounts, Pix-related use cases, Open Finance, credit fintechs, digital assets, financial inclusion, competition and innovation.

Its influence should be understood as industry representation and ecosystem advocacy. It can help surface fintech-sector priorities and support dialogue between market participants and public institutions, but it does not create binding rules or approve regulated activity.

Research, market intelligence and public education

ABFinTechs publishes content and resources on Brazil’s fintech ecosystem, including research, guides, articles and educational materials. Its activities have included ecosystem research such as Fintech Deep Dive, produced with PwC Brasil, and materials explaining themes such as Open Banking and Brazilian financial innovation.

For payment operators, the most relevant materials are those connected to Pix, Open Finance, digital accounts, payment initiation, fintech regulation, fraud, compliance, credit fintechs and market development in Brazil.

Events and convenings

ABFinTechs organises and promotes events, meetings and ecosystem initiatives for fintech companies and partners in Brazil. These activities can help payment operators follow market trends, build relationships, understand policy themes and connect with fintech stakeholders.

For PSPs and fintech infrastructure providers, events are most useful for market visibility, partnership discovery and understanding how Brazilian fintech companies are responding to regulation, infrastructure changes and new payment use cases.

How to join ABFinTechs

ABFinTechs is relevant for fintech companies operating in Brazil and organisations that support the development of the Brazilian fintech ecosystem. Its public membership information distinguishes between fintech associates and partner organisations interested in supporting the sector.

Who can join

Fintech companies can apply where they operate in the financial sector and offer an innovative, scalable solution. Partner participation may be relevant for companies, organisations and associations that support the development of Brazil’s fintech ecosystem.

For payment companies, the strongest fit is where the business operates in Brazil, supports Brazilian fintechs, enables digital payments, works with Pix or Open Finance, or provides infrastructure for payment institutions, wallets, processors or digital finance platforms.

ABFinTechs membership tiers and fees

ABFinTechs provides membership and partner routes through its public website and contact channels. Pricing and participation options are presented through its membership process rather than as a simple universal public fee table.

Companies interested in joining can use ABFinTechs’ membership channels to review the current options, benefits and pricing.

What members commit to

Members and partners typically participate through ecosystem engagement, events, knowledge-sharing, advocacy discussions, business connections and public initiatives. Participation may involve contributing expertise, joining association activities, following regulatory developments and supporting the growth of Brazil’s fintech ecosystem.

Membership does not provide payment licensing, Pix participation approval, bank sponsorship, acquiring access, regulatory authorisation or permission to operate a regulated financial service.

FAQ

Is ABFinTechs a regulator?

No. ABFinTechs is not a regulator, supervisor or public authority. It does not issue payment licences, authorise Pix participation or supervise fintech companies. It is a Brazilian fintech association that represents member interests, supports ecosystem development and engages with public-sector and regulatory stakeholders.

Is ABFinTechs only for payment companies?

No. ABFinTechs covers the wider fintech ecosystem, not only payments. Its community may include fintechs working in payments, digital accounts, credit, open finance, regtech, crypto, insurance, investments, banking infrastructure and other financial technology verticals.

Why does ABFinTechs matter for PSPs?

ABFinTechs matters for PSPs because Brazil’s fintech ecosystem is closely linked to payments, Pix, Open Finance, digital accounts, merchant services, fraud prevention and financial inclusion. PSPs can follow ABFinTechs to understand Brazilian fintech priorities, policy themes, partnership opportunities and market developments affecting digital payment products.

How is ABFinTechs connected to Pix and Open Finance?

ABFinTechs does not operate Pix or Open Finance. Pix and Open Finance are led by the Central Bank of Brazil. ABFinTechs is relevant because many Brazilian fintechs build products around Pix, payment initiation, account connectivity, digital accounts and data-driven finance, making these themes important to its ecosystem activity.

Can international payment companies benefit from ABFinTechs?

Yes. International PSPs, processors and fintech infrastructure providers can benefit if they operate in Brazil, serve Brazilian clients or want to understand the local fintech ecosystem. ABFinTechs can provide market visibility and ecosystem connections, while regulatory approval and operational access must be handled through the relevant authorities and partners.

Does ABFinTechs provide licences or regulatory approval?

No. ABFinTechs does not provide payment licences, regulatory approval, Pix access, acquiring relationships or bank sponsorship. Companies that operate regulated financial services in Brazil must work with the appropriate regulators, financial institutions, schemes, acquirers and legal advisers.

What does ABFinTechs publish?

ABFinTechs publishes articles, guides, research, ecosystem updates and educational materials on Brazil’s fintech market. Relevant topics for payment operators include Pix, Open Finance, fintech regulation, digital accounts, payment innovation, compliance, fraud prevention, financial inclusion and market trends.

Is ABFinTechs useful for market entry in Brazil?

ABFinTechs can help companies understand the Brazilian fintech ecosystem, meet potential partners and follow policy themes. It is not a market-entry authority and does not replace local legal, regulatory, banking, tax or payment infrastructure advice. PSPs entering Brazil still need specialist support for licensing, compliance and operations.