Technology for Financial Institutions

Operate Virtual Assets
Fully Compliant
with the Central Bank

Focus on your business while we handle the regulatory complexity. Matera Systems delivers secure, robust, and future-ready platforms trusted by more than 280 financial institutions across Brazil and beyond.

Explore Our Solutions About Matera
  • Bacen-compliant infrastructure
  • 30+ years of financial technology
  • 1,000+ professionals across 3 countries
  • 90M+ active digital accounts powered
6 Bi
Pix transactions processed
every year across our network
90 M+
Active digital accounts
operating on Matera platforms
280+
Financial institutions
counting on us every day
Our Platform

Secure, Robust & Innovative Solutions

One integrated ecosystem that covers the full spectrum of modern banking — from core ledger to cross-border accounts — built to scale with you.

Core Banking

Transform your customers' experience and accelerate your bank's growth with a comprehensive, cloud-ready platform that's both powerful and flexible. Supports traditional banks, digital banks, and payment institutions of every size.

Payments

Connect your institution to every major payment rail — Pix, TED, DOC, boleto, and card networks — through a modern, highly scalable platform engineered for millions of daily transactions with five-nines availability.

Cash Management

Serve corporate clients with a complete receivables and payments suite — collections, batch payments, reconciliation, and real-time liquidity visibility — all within a single white-label environment that deepens client relationships.

Credit Platform

Grant credit efficiently and at speed for both retail and business journeys. The platform covers origination, scoring, underwriting, disbursement, and servicing — with built-in compliance checks and AI-assisted decisioning.

Risk Management

Keep regulatory and operational risk firmly under control. Designed for institutions of all sizes, this module covers credit risk, market risk, liquidity, and operational monitoring with real-time dashboards and automated alerts.

RegTech

Meet every regulatory obligation from the Central Bank, Federal Revenue, and Municipal Tax Authorities with confidence. Automated SPED, CADOC, SCR, and STR reporting — always current, always auditable, always on time.

Insights & Analytics

Boost profitability and customer retention with proprietary scoring models, behavioural segmentation, and personalised product recommendation engines. Turn data into a measurable competitive advantage rather than a compliance afterthought.

Digital Twin & Global Accounts

Deliver true global and multi-currency account experiences, ensuring a 24×7 operation ready for an increasingly cross-border financial future. Ideal for institutions looking to expand into international remittances and stablecoin corridors.

Why Matera

A Different Kind of Technology Partner

Most technology vendors sell software licences and leave you to figure out the rest. We embed ourselves as a long-term partner — sharing the regulatory burden, evolving the product alongside the market, and guaranteeing the resilience your clients depend on every minute of every day.

With over three decades operating inside Brazil's highly regulated financial ecosystem, Matera understands the nuances that offshore platforms consistently miss. That expertise is baked into every feature, every API, and every release cycle.

The Usual Approach The Matera Way
Generic global platforms retro-fitted to local rules ✓Purpose-built for Brazil's regulatory framework from day one
Annual licence renewals with unpredictable upgrade cycles ✓Continuous delivery — regulatory changes absorbed automatically
Separate vendors for core, payments, credit, and risk ✓One integrated platform, one API surface, one support team
Compliance is your problem post-deployment ✓Bacen, Receita Federal & municipal compliance maintained as a service
Scalability sold as a premium add-on ✓Cloud-native architecture scales with transaction volume, not headcount
Client Stories

Excellence the Market Already Knows

From challenger banks rewriting the rulebook to established retailers launching award-winning fintechs — here's what trust at scale looks like.

C6 Bank

A fully digital bank for individuals & businesses — built on open architecture

C6 Bank needed a core that could support rapid product innovation across both personal and SME segments, with the agility to launch new features in weeks rather than quarters. Matera's open, cloud-native core banking platform gave their engineering teams the freedom to move fast while the compliance layer kept them safe.

Core Banking · Payments
Digio (Bradesco)

From no-fee credit card to a full-spectrum digital bank in record time

Founded in 2016 with a mission to simplify how Brazilians manage money, Digio evolved from a single credit card product into a comprehensive digital bank. Matera's scalable payments and credit infrastructure powered every phase of that growth — without requiring a platform migration as the product portfolio expanded.

Credit Platform · Payments
Pefisa / Pernambucanas

Brazil's first retailer to launch Pix — alongside a streamlined personal credit journey

Pernambucanas, one of Brazil's largest retail chains, used Pefisa and Matera's technology to become the country's first retailer to offer Pix at the point of sale. The same partnership enabled a simplified personal credit product that dramatically improved approval rates and reduced abandonment in the application funnel.

Pix · Credit · RegTech
We didn't set out to build a software company. We set out to solve the real problems that keep financial executives awake at night — regulatory uncertainty, legacy debt, and the relentless pace of market change.
Matera Leadership Team Campinas, São Paulo · Founded 1991

More than 30 years ago, Matera was founded in Campinas with a conviction that Brazilian financial institutions deserved technology built specifically for their environment — not adapted from platforms designed for other markets and regulatory cultures. That conviction has never changed.

Today, our team of over 1,000 engineers, product specialists, and regulatory experts in Brazil, the United States, and Canada continues to build with that same sense of purpose. Every product release, every compliance update, every 3 a.m. on-call response is a reflection of the commitment we made at the very beginning.

We measure our success in two ways: the stability and growth of your institution, and the financial experiences your customers get to enjoy every day.

Our Full Story
About Matera

Three Decades of Financial Technology, Built in Brazil

Matera Systems is a technology company with a singular focus: financial products and solutions that work in the real world. For more than 30 years we have developed, connected, and continuously evolved secure and robust platforms for the full spectrum of the financial industry.

Our client base spans traditional commercial banks, neo-banks, payment institutions, fintechs, retail financial arms, telecommunications companies, and consumer credit specialists. What they share is a demanding environment where downtime, compliance failure, or a poor customer experience has immediate and serious consequences.

We understand that environment intimately — because we've never operated in any other. That focus is our differentiator, and it's why the institutions that join us tend to stay with us for the long term.

Meet the Company
Regulatory Readiness

Built for Brazil's Regulatory Reality

Operating a financial institution in Brazil means navigating a dense and constantly evolving set of obligations — from the Central Bank's resolutions to Receita Federal requirements and LGPD data privacy mandates. Matera's platform absorbs that burden so your teams can stay focused on serving clients rather than managing regulators. Virtual asset regulations, PSAV reporting (CADOC 5711), open finance connectivity, and Pix — all handled, all kept current.

Bacen
Resolution Compliance
CADOC & SCR
Automated Reporting
LGPD
Data Governance
Pix & Open
Finance Ready
PSAV & Virtual
Asset Framework
Receita Federal
Integration
Insights

Stay Ahead of the Market

Practical perspectives from our specialists on regulation, credit, technology, and the future of financial services in Brazil.

29 June 2026

INSS Payroll Card: A Strategy for Predictability and Credit Portfolio Retention

The 5% earmarked margin reserved for the INSS payroll card turns this credit product into a long-term asset that is immune to competition and the uncertainty of traditional revolving credit. We break down the mechanics — and the opportunity.

25 June 2026

A Practical Guide to Credit Analysis: The Role of AI in Precision and Operational Agility

Discover how AI integration optimises your credit analysis workflow, sharpens decision-making accuracy, and creates new commercial opportunities — without adding complexity to your compliance posture.

19 June 2026

The CADOC 5711 Routine: Is Your PSAV Ready for Daily Closing?

CADOC 5711 introduces a new reporting routine for virtual asset service providers. Understand how the daily closing requirement impacts processes, data architecture, and the operational structure of regulated institutions.

Let's Talk

Ready to Build Something More Resilient?

Whether you're launching a new digital bank, modernising legacy infrastructure, or expanding into virtual assets — our team is ready to explore what's possible together. No pitch decks, no pressure. Just a real conversation.

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