Strategic Expansion The group is actively pursuing geographic expansion in Brazil with a diversified offering that includes a bank dedicated to regulated currency operations, a long-standing exchange brokerage, and omnichannel access. This presents cross-sell opportunities to bank customers and payment services for cross-border trade.

FX Leadership As a leading foreign exchange player in Brazil with connections to major financial networks and a role in setting market reference rates, there is potential to upsell advanced FX solutions, cross-border payments, and treasury services to corporates engaging in international trade.

Digital Transformation A tech stack featuring Power BI, SQL Server, Azure AD, Google Cloud and a customer-facing app indicates maturity in data analytics and digital channels. Leverage for targeted pricing, personalized offers, and streamlined onboarding to boost conversion and retention.

Strategic Partnerships Past collaborations with RippleNet and ThetaRay and ongoing fintech partnerships suggest openness to ecosystem partnerships. This creates opportunities to co-create cross-border payment solutions for SMEs and large enterprises seeking efficient settlement rails.

Customer Reach With over 140 touchpoints and omnichannel access plus B2B and B2C capabilities, there is substantial scope to introduce additional value-added services such as travel insurance, SIM international plans, and corporate payment solutions to deepen wallet share.