Insights from the team building cross-border infrastructure.

Editorial, analysis, and explainers from ATTRUS on the rails, regulation, and economics of moving money across borders.

Pix for cross-border operations: from local rail to entry condition

Stablecoins LatAm

Cost reduction with stablecoins: myth or reality?

How cross-border payments became real infrastructure

How does a Brazilian exchange contract work as an audit trail?

Compliance LatAm

Seven questions to ask before choosing cross-border infrastructure

Embedded Finance LatAm

What you can embed in Latin America, and what needs a license

Recurring payments in Brazil: cards vs Pix Automático

Treasury Brazil

Local accounts without a local entity: how it actually works

What is intelligent payment orchestration? Payments 3.0 explained

Embedded Finance Brazil

Split payments for marketplaces: who holds seller money

Compliance Colombia

Colombia made open finance mandatory, on both sides of consent

Embedded Finance LatAm

How do LatAm customers fund an account in local currency?

Page 1 of 1 — 12 articles

Talk to our team.

Tailored setup for your markets and corridors.

Brazil — Disclaimer regulatório

Payment and foreign-exchange services provided in Brazil under the ATTRUS brand are rendered exclusively by ATTRUS Instituição de Pagamento S/A, a Brazilian licensed electronic currency issuer and foreign exchange operator entity authorized by the Banco Central do Brasil and registered under SISBACEN code 00141 and CNPJ 10.789.035/0001-05, with offices at Rua Senador Milton Campos, 35, 14º andar, Bairro Vila da Serra, Nova Lima/MG, CEP 34006-050.

ATTRUS Instituição de Pagamento S/A operates within the regulated eFX framework administered by the Banco Central do Brasil, supporting international payments and transfers through exchange operations performed by authorized institutions in accordance with the controls required to prevent illicit conduct and ensure the lawful processing of every transaction.

Consumer rights, complaints, and regulatory inquiries relating to Brazilian operations may be directed in the first instance to ATTRUS's customer service channels at atendimento@attrus.com, or, in the second instance, to the official channels made available by the Banco Central do Brasil.

United States — Regulatory disclosure

ATTRUS is a financial technology company, not a bank. Deposit accounts made available through the ATTRUS platform in the United States are provided by a U.S. chartered depository institution acting as sponsor bank, Member FDIC. ATTRUS is the program manager and provides the technology platform; the sponsor bank holds client funds and provides banking services.

Money-transmission and foreign-exchange dealer activities within the ATTRUS group in the United States are conducted by FacilitaPay North America LLC, a Montana limited liability company (EIN 39-4700263), registered with the Financial Crimes Enforcement Network (FinCEN) as a Money Services Business under registration number 31000317304860. The registered activities are Money Transmitter and Dealer in Foreign Exchange. FacilitaPay North America LLC's registered address is 3011 American Way, Missoula, MT 59808.

Funds held in deposit accounts opened through the ATTRUS platform are deposited at the sponsor bank, Member FDIC. Subject to applicable FDIC requirements and limitations, deposits are eligible for FDIC pass-through insurance up to the standard maximum deposit insurance amount of $250,000 per depositor, per insured bank, for each ownership category. FDIC insurance does not protect against the failure of ATTRUS.

FDIC insurance applies only to U.S. dollar deposits held at the sponsor bank while in your deposit account. The following are not FDIC insured: (i) funds in transit through payment networks or correspondent banks; (ii) foreign-currency balances; (iii) funds held outside the United States; (iv) cryptocurrency or stablecoin balances; (v) investments or any other non-deposit products or services.

Cross-border payments, foreign-exchange conversion, international wire transfers, stablecoin and cryptocurrency services, and treasury services offered through the ATTRUS platform are provided by ATTRUS and/or its affiliates and licensed partners outside of the sponsor bank. These services are not deposit products, are not provided by the sponsor bank, and are not FDIC-insured. Applicable exchange rates and fees are disclosed prior to execution.

Complaints regarding money-transmission or foreign-exchange services may be directed in the first instance to compliance-us@attrus.com, and in the second instance through the channels listed in FinCEN's public guidance for Money Services Businesses and through the consumer-protection channels of the state in which the consumer resides.

Legal entities & addresses

Region	Entities	Office
Brazil	ATTRUS Instituição de Pagamento S/A (Bacen IP, SISBACEN 00141, CNPJ 10.789.035/0001-05)	Rua Senador Milton Campos, 35, 14º andar, Nova Lima/MG, CEP 34006-050
United States	Facilita INC · ATTRUS US LLC · FacilitaPay North America LLC (FinCEN MSB no. 31000317304860, EIN 39-4700263)	3350 Virginia Street, 2nd Floor, Miami, FL 33133
Mexico	FPAY Internacional, SA de CV · FacilitaPay México, SA de CV	Presidente Masaryk 61 - 901B, Polanco, Miguel Hidalgo, Ciudad de México, C.P. 11560
Colombia	FPay Colombia SAS (NIT 901.640.451-2)	Calle 81 11 55 Piso 9 Torre Norte, Bogotá D.C.