Our Solutions

In a dynamic technological environment that continuously reshapes the financial sector, we offer innovative and customized solutions to unleash the potential of your business. Our operations are focused on two key segments:

For companies outside the Financial Market

Digital Banks and Embedded Finance Creation

We aim to enable companies from different sectors to embark on the digital financial journey through:

Banking as a Service (BaaS): We implement BaaS solutions, or assist in building yours, for the agile development of digital banks and the integration of financial services, providing greater operational efficiency and autonomy.
Payment Infrastructure Consulting: We help establish and optimize the internal core banking structure to maximize payment and financial operations;
Innovation Strength: We promote the customization of financial products to enrich our clients' ecosystem, increasing user retention and satisfaction.

For Fintechs, NeoBanks, and Financial Institutions

Financial Assessments, Product Design, and Business Unit Expansion:

We collaborate with major companies in the financial sector to enhance and expand their capabilities through:

Financial Assessments and Strategic Consulting: We provide analyses and strategic recommendations to identify and overcome specific business challenges, optimizing processes and profitability;
Development of New Products and Business Units: We assist in designing and implementing innovative financial solutions, from card issuance and payment processing like PIX, to onboarding and tokenization solutions;
Support for Innovation and Growth: We assist in creating new business units and expanding into new markets, ensuring the adoption of best practices and sustainable success.

Client Testimonial:

Letícia Andrade, Sr Product Manager at Stone Co (NASDAQ: STNE)

"I would like to express the fundamental importance of the role played by José Zapata in the development of our Core Ledger, especially in the financial and business areas.
Dealing with such complex and technical issues requires not only knowledge, but also skill and experience, and Zapata demonstrated excellence in all of these areas, guiding us along the right path and aligning us with market standards of excellence.
His exceptional commitment to the team was evident, creating an environment of collaboration and mutual growth. His contribution was truly invaluable to the success of the team and the company as a whole."

Paulo Santos, Head of Operations at iDE Pay

“Thavron’s support and partnership was fundamental for the construction of the financial modeling and structuring and Idepay’s products, combining knowledge and delivery time”

Strategic Consulting in:

Payment Institutions and Banking as a Service (BaaS)

Integration with Banking as a Service providers for rapid development of embedded finance, digital banks, and payment accounts;
Creation of financial products for clients; Structuring of all operational and financial activities to support IP functions, such as finance, operations, AML, and Fraud Prevention;
Customer service center (Call Center) for clients using Phone and WhatsApp;
Guidance and support in Embossing Card solutions, including tracking via API.

PIX Integration

Integration of PIX for indirect or direct participants, using outsourcing technology stack, or direct integration and homologation process with the Brazilian Central Bank;
Integration of PIX for interoperability in payments; Utilization of PIX features such as QR Code in payment slips or collections products;
Payment Initiator and account holder.

Payment Gateways and Financial Products

Real-time payments (RTP) and fast fund transfers, such as PIX, Visa Direct, and Mastercard Money Send, including interoperability among arrangements;
Creation of products for Bank Transfers (TEDs), Payment Slips, Account Alias, and integration with Core Banking;
Insurance products with integration via Hub; Integration with ATM networks / electronic teller networks.

Tokenization and Authentication

Payment Gateways and Financial Products

Transaction tokenization using Wallets (Google Pay, Apple Pay, and Samsung Pay);
Tokenization in E-commerce, to increase security and reduce data exposure On-Us tokenization solutions in Private label network;
E-commerce authentication via 3DS and VCAS; Products with multi-factor authentication (MFA- 2FA).

Card Issuance and Processing

Tokenization and Authentication

Card Issuance and Processing

Card issuance as a payment instrument; Credit, Debit, pre and post-payment transaction processing;
Certification with Card Networks and Processors (Visa, Mastercard, and Elo);
Support in boarding processes between card processors; Support in Card Network mandates.

Acquiring Solutions

Tokenization and Authentication

Card Issuance and Processing

Acquiring or accreditation means solutions; Merchant onboarding; Settlement engines for domicile institutions;
Receivables anticipation; Creation of Payment Account for Merchants, or integration with BaaS providers; PIX solutions for capture;
On-Us network; Asset tokenization; Arrangement interoperability.

Onboarding

Onboarding of Individual and Corporate accounts integrated with fraud prevention and anti-money laundering engines;
Facial and document recognition systems; Integration with automatic and desktop Document Authentication;
Evaluation in data and credit bureau; Email and deviceId evaluations.

Credit

Onboarding

Creation of products for Credit granting integrated with Financial Institutions, SCM, SCDs, and FIDCs; for your products such as credit cards, or PIX BNPL;
In house teams and processes organization for requesting of Brazilian Central Bank to apply for regulation as SCD or FIDC;
Personal Loans; Pre-Approval and credit limit definition; Loan issuance and sale of CCBs.

Corporate Training

Training in fundamental concepts to help internal teams understand the financial universe and accelerate the development of solutions;
Specific and comprehensive training in Payment Institutions and integration with Banking as a Service partners.

Our Solutions

For companies outside the Financial Market

For Fintechs, NeoBanks, and Financial Institutions

Our Mission

10+ satisfied customers including:

Dock

CAF - Combate a Fraude NYS:DXC, BSP:D1XC34 -

Dock

South Systems

CAF - Combate a Fraude NYS:DXC, BSP:D1XC34 -

Dock

CAF - Combate a Fraude NYS:DXC, BSP:D1XC34 -

CAF - Combate a Fraude NYS:DXC, BSP:D1XC34 -

CAF - Combate a Fraude NYS:DXC, BSP:D1XC34 -

3Tentos (B3:TTEN3)

CAF - Combate a Fraude NYS:DXC, BSP:D1XC34 -

CAF - Combate a Fraude NYS:DXC, BSP:D1XC34 -

Client Testimonial:

Letícia Andrade, Sr Product Manager at Stone Co (NASDAQ: STNE)

Paulo Santos, Head of Operations at iDE Pay

Strategic Consulting in:

Payment Institutions and Banking as a Service (BaaS)

PIX Integration

Payment Gateways and Financial Products

Payment Gateways and Financial Products

Tokenization and Authentication

Tokenization and Authentication

Payment Gateways and Financial Products

Card Issuance and Processing

Tokenization and Authentication

Card Issuance and Processing

Acquiring Solutions

Tokenization and Authentication

Card Issuance and Processing

Onboarding

Onboarding

Credit

Onboarding

Corporate Training

Corporate Training

Our Partners

Dock

Transfeera

Transfeera

Transfeera

Transfeera

Transfeera

Fitbank

Transfeera

Fitbank

Celcoin

Transfeera

Fitbank

Camplight

Korporate

Korporate

Get in touch with our team

Send us a message is Whats App, or call us in +55 15 996 477 434

E-mail: jose.zapata@thavron.com.br

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