Layers - Fintechs

Learn about two layers of Fintechs: the software application layer and the regulatory infrastructure layer.

Essential Layers in Fintech Solutions

In the fintech ecosystem, two structural layers are fundamental to the secure and efficient operation of digital financial operations: the software application layer and the regulatory infrastructure layer.

Application Layer – User Experience and Operational Efficiency

This layer involves all technological elements aimed at user interaction and the execution of financial operations. It includes mobile apps, web platforms and application programming interfaces (APIs), which enable connection between different services and financial systems. Its main objective is to provide a smooth, intuitive and secure experience for the end user, while ensuring agility, scalability and operational efficiency for the fintech.

Regulatory Infrastructure Layer – Compliance, Security and Trust

The regulatory layer is the foundation that ensures operations are aligned with the legal and regulatory requirements of the financial sector. It ensures that technological solutions follow standards such as the LGPD (General Data Protection Law), the guidelines of the Central Bank (BACEN), of the CVM (Securities and Exchange Commission) and other international regulations.

This layer encompasses crucial areas such as:

• Regulatory compliance, to ensure adherence to sector laws and guidelines.

• Information security, protecting data and preventing unauthorized access.

• KYC (Know Your Customer), essential to validate identities and combat financial crimes.

• Anti-fraud mechanisms, which ensure the integrity of transactions and market trust.

Among the main technological solutions present in this layer are:

• Banking as a Service (BaaS): banking infrastructure offered as a service.

• Credit as a Service: complete solutions for offering and managing credit.

• Crypto as a Service: integration with crypto assets in a secure and regulated manner.

On the following pages, you will learn in detail about our innovative solutions, developed to make these operations even more secure, reliable and efficient, enabling your fintech to grow solidly and with a customer focus.

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