The current scenario presents interesting expectations for several assets: discover some investment options
The Selic rate is what represents the basic interest in the Brazilian economy and its movements influence the other indices applied in the country. In August the rate was reduced to 13.25% per annum, the first time a reduction has been recorded since August 2020. According to the Focus Bulletin, by the end of 2024 the Selic is expected to reach the 9.25 level % per annum.
Given this scenario, expectations place a more attractive and favorable context for investments. With this, AmFi, a platform that connects originators to global investors through lending pools (sets of smart contracts and legal structures), indicates 4 application options that can offer good income opportunities.
BCC
The CCB (Bank Credit Card) is an electronic credit instrument. It is used to formalize this type of operation, generally of high value and with a longer duration than other assets, as well as being issued by financial institutions, such as banks, or other companies that provide credit.
Different sectors have used these notes to finance growth: education, personal credit, among others. Furthermore, we are expanding private debt renegotiation operations.
According to Paulo David, CEO of AmFi, the idea is to “revolutionize the traditional financial market, developing loan pools so that originators can create credit vehicles to develop new, little explored or non-existent niches, using BCCs” .
Card credits
This method is nothing more than the amount that the establishment must receive for sales made by credit card. This asset has a predictable and regular payment flow, and in the advance process, the company gets credit at a cheaper cost, which becomes a benefit to the company’s working capital.
Credits are considered a low-risk form of investment, as they represent a predictable and stable cash flow for the investor. Furthermore, they are widely used by companies and financial institutions as a means of raising funds in the financial market. It is now possible to “tokenize” credits.
“Just as we transform a physical object into a digital representation, in the form of a ‘token,’ we can do the same with credits. Tokenized credits are a digital version of physical credits, where each token represents a right to a future receipt,” explains David.
Judicial assets
This is an asset that has grown in the Brazilian market. The country ended the 12 months of 2021 with 77.3 million cases underway and, in the same year, 27.7 million new cases entered the judicial system, a growth of 10.4% compared to the previous year .
In Brazil, judicial assets are processed for approximately four years in the State Court and five years in the Federal Court and, in addition to the probationary period, there is also the payment term, which can vary from immediate to a few additional months.
According to Paulo David, the best known judicial assets are court orders, but small value requisitions (RPV) and credits arising from labor and consumer cases also fall into this category.
Duplicates
Duplicate is the most common form of financing for small and medium-sized businesses. This asset is a debt security that represents a debt arising from a purchase or provision of a service. The document is issued by the seller to the buyer and contains a description of the purchased products or services, the total value of the transaction and the payment term.
With them, in addition to the advantages for businesses, since they access resources at lower interest rates, investors find a source of assets that allows them to diversify their investment portfolio, increase cash flow and consequently expand their business.
In the market, the trend is to continue growth in the coming years, driven by the evolution of the regulatory framework of the sector.
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Source: Terra
Rose James is a Gossipify movie and series reviewer known for her in-depth analysis and unique perspective on the latest releases. With a background in film studies, she provides engaging and informative reviews, and keeps readers up to date with industry trends and emerging talents.
