🇧🇷Brazil

Multas por Não Cumprimento de Relatórios Regulatórios de Criptoativos

4 verified sources

Definition

New BCB resolutions mandate authorization for PSAVs, with 270 days for existing firms to adapt or cease operations; non-compliance risks fines and shutdowns. Receita Federal's DeCripto requires monthly reporting of crypto transactions over R$35k, with expanded scope for DeFi.

Key Findings

  • Financial Impact: R$5,000-R$50,000 per non-compliance event (statutory fine range for regulatory failures); 200-500 hours/year per firm for manual audits and reporting
  • Frequency: Monthly reporting; audits every 2 years; adaptation deadline Feb 2026
  • Root Cause: Manual handling of XML reporting, lack of automated segregation, and tracking of autocustodial wallets

Why This Matters

The Pitch: Blockchain services in Brasil 🇧🇷 face R$10,000+ fines per violation and 270-day adaptation costs. Automation of DeCripto and BC reporting eliminates this risk.

Affected Stakeholders

CFOs, Compliance Officers, PSAV Directors

Deep Analysis (Premium)

Financial Impact

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Current Workarounds

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Methodology & Sources

Data collected via OSINT from regulatory filings, industry audits, and verified case studies.

Evidence Sources:

Related Business Risks

Custos Excessivos de Auditoria e Adequação para PSAVs

R$50k-R$300k initial adaptation cost per firm; R$20k-R$100k per biennial audit

Perda de Capacidade por Relatórios Manuais DeCripto e PLD

40-80 hours/month per compliance team (R$10k-R$20k equivalent at R$250/hr)

Multas por Não Conformidade AML/KYC

Maximum fine: R$ 20,000,000 per non-compliance incident; additional sanctions: temporary disqualification of officers/directors up to 10 years

Custo Brasil de Capital Mínimo para Compliance VASP

Minimum capital: R$ 10,800,000–R$ 37,200,000 depending on VASP activity scope; opportunity cost of capital during transition period (6+ months): ~2–4% annually (~R$ 216,000–R$ 1,488,000 for 12-month transition)

Atraso de Confirmação de Transações por KYC/AML Manual

3–7 days settlement delay per transaction; estimated working capital cost: ~0.5–2% of transaction value annualized. For typical cross-border payment of R$ 10,000, opportunity cost: R$ 50–R$ 200 per delayed transaction (at ~18% annual working capital cost)

Penalidades por Desconformidade com Novo Framework de Criptomóedas do BCB

LOGIC-based estimate: R$ 50,000–500,000 per authorization delay; R$ 5,000–50,000 per failed compliance audit; estimated 2–5% transaction volume exposure if per-transaction limits are breached without proper client identification. Typical manual compliance review: 40–80 hours per client onboarding (at ~R$ 200/hour = R$ 8,000–16,000 labor cost per 100 clients).

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