C6 Bank
Technology for Financial Institutions
Secure, robust and innovative solutions — built for regulated finance
Matera Systems delivers a tightly integrated portfolio of financial technology platforms designed for banks, fintechs, payment institutions and large-scale retailers operating in Brazil's regulated market. Every solution is cloud-ready, compliant with Banco Central do Brasil requirements, and engineered to handle institutional volumes without compromise.
- Core Banking
- Payments
- Cash Management
- Credit Platform
- Risk Management
- RegTech
- Insights & Analytics
- Digital Twin
Core Banking
A complete banking engine built for the cloud era
Matera's Core Banking platform gives financial institutions a comprehensive, flexible foundation to operate, differentiate and grow. Built from the ground up to be cloud-native and API-first, it replaces legacy monoliths with a modular architecture that lets you ship new products in days, not quarters — while maintaining the transactional integrity and regulatory posture that a regulated institution demands.
Business outcome: Banks and fintechs running Matera Core Banking go to market faster, reduce infrastructure costs through elastic cloud scaling, and deliver the seamless digital experience modern customers expect — all without rearchitecting from scratch.
- Current, savings and payment accounts
- Open, API-first architecture
- Multi-product catalogue management
- Cloud-ready, elastic scalability
- Real-time ledger and reconciliation
- White-label digital journeys
- Bacen regulatory reporting
- Multi-entity and multi-currency ready
Platform Highlights
What makes Matera Core Banking different from conventional CBS vendors
Speed to market
Preconfigured product templates and self-service configuration reduce time-to-launch for new offerings.
Built-in compliance
Regulatory requirements from the Banco Central are embedded in the platform, not bolted on afterward.
Open ecosystem
Hundreds of integration points via REST APIs let you connect to partners, marketplaces and third-party services without friction.
Proven at scale
Powers digital banks with millions of active accounts, delivering 99.99% availability on critical payment flows.
Payments
Connect to every major payment rail through a single modern platform
Brazil's payments landscape has never been more dynamic — or more demanding. Matera's Payments platform connects institutions to Pix, TED, TEF, boleto, direct debit and emerging rail types through a unified, modern and highly scalable layer. The platform is designed to process millions of transactions daily with sub-second latency and the operational resilience a regulated environment requires.
Business outcome: Institutions gain a single integration point for the full Brazilian payment stack, dramatically reducing operational complexity and enabling them to launch new payment products — including Pix variants like Pix Automático — in a fraction of the time it would otherwise take.
- Pix (instant, scheduled, Pix Automático)
- TED and TEF processing
- Boleto issuance and settlement
- Direct debit and recurring payments
- Real-time transaction monitoring
- Anti-fraud and limits management
- DICT and DICT lookup integration
- Full BACEN messaging compliance
Payments by the Numbers
Operational scale that reflects real institutional confidence
6 billion Pix transactions per year
Matera's infrastructure processes one of the largest Pix volumes in Brazil across its customer base.
99.99% availability SLA
Designed for continuous operation — because payment infrastructure that falters costs institutions more than downtime alone.
Sub-second Pix processing
End-to-end latency engineered to meet and exceed Banco Central's Pix performance requirements.
Future-proof rail readiness
Architecture is already prepared for Open Finance data flows, Drex and cross-border payment evolution.
Cash Management
Serve corporate clients with receivables and payment solutions that deepen relationships
Corporate banking clients have expectations that go well beyond simple account access. They need sophisticated tools for managing incoming receivables, disbursing to large supplier networks, consolidating cash positions across entities and automating the repetitive treasury tasks that consume their teams. Matera's Cash Management platform delivers precisely this — and gives financial institutions a compelling reason for corporate clients to deepen their relationship rather than spread wallet share across competitors.
Business outcome: Institutions that offer Matera's Cash Management capabilities to their corporate book report materially higher product penetration per client, reduced churn among treasury decision-makers, and a stronger value proposition when competing against larger incumbent banks.
- Boleto and Pix receivables management
- Bulk payment and payroll disbursement
- Multi-account consolidation
- Automated reconciliation and reporting
- DDA (direct debit authorization) support
- Supplier and beneficiary management
- Cash position dashboards
- API access for ERP integration
Corporate Use Cases
How corporate treasuries put Cash Management to work
Receivables automation
Clients issue, track and reconcile boletos and Pix collections at scale without manual intervention.
Payroll and mass disbursements
Schedule and execute thousands of simultaneous payments to employees or suppliers in a single operation.
ERP connectivity
Full API surface allows SAP, TOTVS and custom ERP platforms to trigger and retrieve payment data in real time.
Visibility and control
Real-time dashboards give treasury managers a consolidated view of cash across all accounts and entities.
Credit Platform
Grant credit with speed and precision — for individuals and businesses
Credit operations are increasingly a battleground of speed and accuracy. Matera's Credit Platform gives financial institutions the technology to run end-to-end credit journeys — from origination and analysis through to disbursement and portfolio management — for both retail and corporate clients. The platform supports a wide range of credit products and is designed to integrate with bureau data, proprietary scoring models and regulatory reporting requirements without stitching together disparate systems.
Business outcome: Institutions using Matera's Credit Platform report shorter decision-to-disbursement cycles, lower operational cost per credit decision, and the ability to serve new credit segments that were previously unviable given manual processing overhead.
- Digital origination for individuals and businesses
- Automated credit analysis and decisioning
- Bureau and open finance data integration
- Consignado and payroll credit journeys
- Proprietary and third-party scoring support
- Collateral and guarantee management
- Portfolio monitoring and delinquency tracking
- BACEN and SCR regulatory reporting
Credit Products Supported
A platform broad enough to cover your entire credit book
Personal Credit
Unsecured personal loans with fully digital onboarding and automated decisioning pipelines.
INSS Consignado Card
Structured consignado product journeys that leverage payroll assignment for predictable, low-risk credit portfolios.
SME and Corporate Credit
Working capital, receivables anticipation and term loans for legal entities, with tailored analysis flows.
Retail / Fintech Credit
High-volume, low-ticket credit designed for retailers and digital lenders — as demonstrated by Pefisa's deployment.
Risk Management
Keep regulatory and operational risks firmly under control — at any scale
Regulatory capital requirements, liquidity risk, credit concentration limits and operational controls are not optional considerations for financial institutions — they are the operating conditions under which licenses are maintained. Matera's Risk Management solution gives institutions of every size — from small payment institutions to mid-tier banks — the structured, technology-driven framework to measure, monitor and report on risk positions in real time, without assembling fragile spreadsheet-based processes that break under scrutiny.
Business outcome: Risk teams gain reliable, auditable data pipelines that replace manual extraction and consolidation, freeing specialists to focus on analysis and mitigation rather than data assembly. Institutions demonstrate a demonstrably stronger risk governance posture to regulators and auditors.
- Credit risk measurement and concentration limits
- Operational risk event capture and reporting
- Market and liquidity risk indicators
- Stress testing and scenario modelling
- Real-time risk dashboard for management
- Automated limit breach alerting
- Integration with BACEN prudential reporting
- Audit trail and full data lineage
Why Risk Governance Matters Now
The regulatory environment that makes a dedicated risk platform essential
Bacen Resolution 4,557
Brazil's integrated risk management framework sets clear expectations for credit, market, liquidity and operational risk structures — Matera is engineered around them.
Continuous monitoring
Move beyond periodic reporting cycles; know your risk position at any moment in the trading day.
Scalable for growth
As your balance sheet expands, Matera Risk Management scales with you — no rip-and-replace when thresholds change.
Audit-ready outputs
Every risk calculation is documented, traceable and reproducible — a requirement for internal audit and external examiners alike.
RegTech
Meet Banco Central, Receita Federal and municipal obligations with a single, reliable technology layer
Financial institutions in Brazil face overlapping regulatory reporting obligations across multiple authorities — the Banco Central, Receita Federal do Brasil, COAF and individual municipalities levying ISS on financial services. Keeping pace with changing requirements while also running day-to-day operations is a structural challenge that technology must solve. Matera's RegTech platform automates the generation, validation and submission of mandatory reports, ensuring accuracy and timeliness without burdening compliance teams with manual processes.
Business outcome: Compliance officers move from reactive scramble before submission deadlines to a steady state of continuous compliance, with automated alerts when data anomalies arise — long before they become regulatory incidents.
- BACEN regulatory file generation (COSIF, SCR, CADOC)
- Receita Federal reporting (DIRF, e-Financeira)
- COAF suspicious activity reporting
- ISS calculation for financial municipalities
- Open Finance consent and data sharing compliance
- Automated validation before submission
- Deadline management and audit trail
- Rapid regulatory update rollout
Authorities & Frameworks Covered
A breadth of regulatory coverage built from two decades of Brazilian financial compliance experience
Banco Central do Brasil
COSIF accounting plan, SCR credit information system, CADOC prudential reports and Pix operational compliance.
Receita Federal
DIRF withholding tax declarations, e-Financeira financial reporting and CNAB file standards for tax institutions.
COAF / AML
Automated suspicious activity identification and COAF communication workflows aligned with FATF guidance.
Municipal ISS
Automated ISS tax calculation for financial services activities across the key municipalities in which clients operate.
Insights
Drive profitability, retention and credit performance with bespoke analytics models
Data is only valuable when it produces decisions. Matera's Insights platform transforms the transaction and behavioral data already flowing through your Matera infrastructure into actionable intelligence — through proprietary scoring models, customer segmentation, propensity analytics and portfolio performance dashboards built specifically for financial institutions. Rather than generic analytics tools repurposed for banking, Insights is purpose-built around the data structures and decision cycles that matter to credit, product and marketing teams in regulated finance.
Business outcome: Institutions using Matera Insights identify cross-sell opportunities earlier, reduce involuntary churn through predictive attrition signals, and improve credit approval rates without increasing default — because decisions are grounded in richer, more current behavioral data.
- Proprietary and customised credit scoring
- Customer lifetime value modelling
- Churn prediction and retention signals
- Product propensity and cross-sell analytics
- Portfolio performance and vintage analysis
- Transactional behaviour segmentation
- Real-time event-driven triggers
- Dashboards for product, credit and marketing
From Data to Decision
Four analytical capabilities that directly affect the bottom line
Exclusive credit scores
Models trained on the institution's own data deliver measurably better discrimination than generic bureau scores alone.
Client segmentation
Behavioral clustering identifies high-value, at-risk and underserved segments to guide product and communication strategies.
Revenue optimisation
Propensity models surface the right offer to the right client at the right moment, improving conversion and revenue per account.
Early warning signals
Predictive delinquency models flag accounts showing deterioration patterns weeks before a missed payment occurs.
Digital Twin
Global accounts, multi-currency operations and 24×7 availability for a cross-border financial future
The next frontier for Brazilian financial institutions — particularly those serving internationally active corporates, diaspora communities or digital asset flows — is the ability to operate across currency and jurisdictional boundaries without the fragility that has traditionally accompanied cross-border finance. Matera's Digital Twin platform provides the infrastructure for global account experiences and multi-currency operations, running continuously, 24 hours a day and 7 days a week, with the same resilience and compliance posture clients expect from a domestic core.
Business outcome: Institutions position themselves ahead of the competitive curve on cross-border services, virtual asset operations and multi-currency treasury — capturing clients and revenue streams that traditional infrastructure simply cannot serve.
- Global and multi-currency account structures
- 24×7 continuous operation architecture
- Virtual asset compliance (Bacen framework)
- Cross-border payment orchestration
- FX position tracking and settlement
- Digital asset custody integration
- Drex and CBDC readiness
- Regulatory reporting for virtual assets
Built for What Comes Next
Infrastructure dimensions that matter as finance goes global and digital
Cross-border account experience
Clients hold and transact in multiple currencies through a single account interface, with real-time balance visibility in each denomination.
Virtual asset compliance
Operate virtual asset services fully within the Banco Central's regulatory perimeter — Matera handles the compliance complexity so you can focus on the opportunity.
Always-on infrastructure
Unlike batch-window legacy systems, Digital Twin operates continuously — because cross-border transactions don't pause for end-of-day cycles.
Drex and CBDC-ready
Architecture is designed to accommodate Brazil's digital real (Drex) and future CBDC integrations without structural rework.
6 bn
Pix transactions processed
per year across our client base
per year across our client base
90 M+
Active digital accounts
running on Matera platforms
running on Matera platforms
280+
Financial institution clients
across banks, fintechs and retailers
across banks, fintechs and retailers