Company targets BRL 32 billion in structured issuances in 2026 and launches the market’s first self-service system, connecting all participants in a transaction in real time.
QI Tech, a leader in financial services infrastructure, is entering Brazil’s private fixed-income market as a Securities Bookkeeper and Settlement Bank for Real Estate Receivables Certificates (CRIs), Agribusiness Receivables Certificates (CRAs), Debentures, Receivables Certificates (CRs), and Commercial Notes. With a 100% proprietary platform and its own regulatory authorization, the company expects to handle BRL 32 billion in structured issuances throughout 2026.
Capital markets reach record issuance volumes
The new offering comes at a time of strong growth in Brazil’s capital markets. In 2025, capital markets offerings reached a record BRL 838.8 billion, according to ANBIMA. Debentures accounted for BRL 492.8 billion, while Commercial Notes grew 18.9% to BRL 51.8 billion.
With bank credit becoming more expensive amid persistently high interest rates, capital markets have gained further relevance as a corporate funding alternative.
The infrastructure supporting these transactions, however, remains characterized by fragmented systems, dependence on email, manual document exchanges, and limited visibility into issuance status.
A single environment for the entire transaction
With QI Tech acting as Securities Bookkeeper and Settlement Bank, all of an issuer’s transactions can be managed through a single digital environment, regardless of how many fiduciary agents, securitization companies, or offering coordinators are involved.
Each counterparty can access the information relevant to its role in real time. Issuers can view their transactions on a consolidated basis, while investors can access their individual positions, income history, and settlement status.
The platform replaces processes historically dependent on emails and spreadsheets with centralized, automated, and fully traceable infrastructure.
Native B3 integration and automated settlement
QI Tech receives payments from issuers and settles the amounts through the relevant clearinghouses for subsequent distribution to investors, with automated workflows and end-to-end traceability.
Native integration with B3 allows changes in ownership to be automatically reflected in the platform. The infrastructure also includes escrow accounts for collateral-related fund flows and QI Tech’s proprietary electronic signature platform, reducing the need to engage multiple providers for a single transaction.
“For the first time, every participant in an issuance, from the coordinator to the end investor, can access the same platform in real time. […] This is real infrastructure, not a portal with PDFs,” said Pedro Camacho, Commercial Director responsible for the product at QI Tech.
Digital infrastructure for private fixed income
QI Tech’s entry into this segment expands its capital markets offering and brings to private fixed income the same approach based on proprietary technology, integration, and automation already used across other areas of the company.
“We built QI Tech to solve problems the market has learned to live with. Securities bookkeeping and settlement for private fixed income handle hundreds of billions of reais every year, yet still rely on infrastructure that does not reflect the scale of this market,” said Pedro Mac Dowell, CEO and founder of QI Tech.
From origination through post-issuance, the goal is to enable the private credit value chain to operate with greater speed, transparency, and integration, in line with the scale reached by Brazil’s capital markets.
About QI Tech
QI Tech is a leading infrastructure company that enables institutions to operate financial services and products. Through proprietary technology, it provides Banking as a Service, Lending as a Service, investment fund administration and custody, and risk management solutions to companies across different industries, including banks, asset managers, and retailers.
QI Tech was the first company to obtain a Direct Credit Society (Sociedade de Crédito Direto – SCD) license granted by the Central Bank of Brazil and also operates a securities distribution company, known in Brazil as a DTVM, authorized by the Brazilian Securities and Exchange Commission (CVM).
The company has received investments from funds including GIC, General Atlantic, and Across Capital and, since 2024, has been recognized as the only Latin American unicorn in its sector.
In 2025, QI Tech was recognized by ANBIMA as Brazil’s largest FIDC administrator and custodian, with BRL 175 billion in assets under administration, and was assigned an AA-(bra) rating by Fitch Ratings.