Calil Gedeon

Bom, então, mais uma vez, agradeço a oportunidade. E ficamos muito contentes que o Banco Central tem uma visão muito similar à nossa, de uma governança descentralizada. A Abrir também tem a mesma visão dessa governança descentralizada. mas uma governança que seja também inclusiva. E a gente entende que nem todos os entes que participam de toda a cadeia aqui, eles são entes regulados pelo Banco Central, mas eles são entes que são diretamente afetados pela regulação do Banco Central. incluindo aí todo o ecossistema de startups, ecossistema... de originadores desses créditos, ecossistema de distribuidores desses créditos, Então, o que a gente propõe aqui, inclusive até como encaminhamento, deputado, é uma reunião administrativa talvez mediada por essa comissão, com o Banco Central, com os atores aqui presentes, para a gente discutir essa governança descentralizada, criar algo que, de fato, consiga levar a cabo, levar a implementação, tudo que a gente falou aqui de Open Assets. porque, como o Fernando bem expôs aí em termos de cronograma, Essa regulamentação toda se iniciou lá atrás, a própria de duplicado escritural começou lá em 2018, Então, a gente quer que isso de fato funcione, que isso de fato... E... realize ali todo o seu potencial. Então, a nossa briga aqui enquanto abrir... quanto à associação de... o próprio nome diz né, "abriu o mercado, associação brasileira de inovação recebíveis é justamente em criar essa governança, criar um plano de voo, quais são os próximos ativos, qual o prazo, o que mais vai ser incluído nessa regulação e obviamente se colocar aqui à disposição para fazer isso andar com toda a velocidade que merece, porque o poder transformacional disso é tremendo. sabe disso, já viu isso no cartão de crédito. Está vendo isso agora na duplicada escritural, que eu espero que em breve... esteja de fato... conseguindo realizar todo o seu potencial E a gente quer ver isso nos próximos ativos, em demais ativos que possam ser incluídos, obviamente numa governança adequada, com todos participando, uma governança inclusiva, com todos os participantes que... são diretamente afetados e que podem contribuir de uma maneira positiva para esse ecossistema. Obrigado.

Thank you. The presentation is already on the screen. Mr. President, thank you very much. It's a honor to be here. Thank you. It's a honor to be here, in the name of the senhor, a good name to all. I'm representing the ABRI, for those who don't know, the Brazilian Association of Inovação Irrecebíveis. We are composed by several startups and innovative companies that are, by the way of technology, trying to bring a cheaper credit, a cheaper credit, a more efficient, more agile, and that can deliver, at the final point of the consumer, a better experience and cheaper. So, my main idea here, and just me present, I'm Calil Gedeon, I'm also also CEO CFO of the Manc, which is one of the associations. Our central idea here, when we talk about open assets, is just to allow, as the President Jadiel said, and that's what they can circulate in the open finance system, that can circulate in the way, transparent, and accessible in the financial system. So, this idea is not new. We implemented Open Finance, which is nothing more than what we are proposing here, just for a physical person, a standard of data. The data itself is the same Banco Central, which shows that there are more than 4 billion of calls of APIs, for a week in the Open Finance system. This means nothing less than the Bank A asking, with consent of your client, information to Bank B to offer a better service, a more customized service, a more cheap, for the client. This, before all, promotes innovation, promotes competition, which tends to lower price, and generates a more efficient service. So, OpenAssets can give a step further. He can create a infrastructure for a normal circulation of the financial assets. And then, as a point of part, and coming from the Abrir, I wanted to talk about the experience we have in the market of recebíveis and credit cards. It's an excellent point of the game. As you mentioned, he It is now, basically, until 2021. this market So, just to say before, what is this recebible? When a company sells a product, for example, six times in credit cards, it doesn't receive a view, but it has the needs that are present. For example, for a person to pay a 13th, buy more stock, more stock, more stock. And so it goes. So when she can negotiate this recebible future, when she can negotiate and to anticipate the recebible future, she can improve her cash flow can increase the growth of your company, more jobs and more income. Until 2021, the system was a little bit of a trap. So basically, if the logist would sell with the X, and it was just anticipated this receivable with the X. From a change in regulation, Congress and the Bank Central, this recebible was passed by by any financial agent. So basically I was a logist. I could sell the machine to A, and anticipate with any financial agent. What does this benefit to the ecosystem? So, after the resolution 4734, which came in 2019 in vigor since 2021, which turned these information to be padronized and visible for the market. Different institutions passaram a poder oferecer crédito. What are the three main benefits here? For the logist, he can get the freedom to choose between different institutions to anticipate this recebible. In practice, this creates concreence and a reduced price to anticipate. to consumers they can also have access to credit. And for the economy as a whole, this is almost like an oil in the market that makes it work with more efficiency, with more speed and more agility. . So Basically, Our point is that the market recebible of credit cards passed by this change. that already transformed into open assets and Just to give some dimensions here. Just last year we had more than 5 trillion dollars in cash, and this 3 trillion dollars in cash. And all this is possible in anticipation via this system that already exists today. So what we are talking about today is to transform this ecosystem to apply it to other types of assets. The Banco Central is doing this today with a duplicata, in the way of the scriptural. So, the duplicata scriptural is more or less the same thing with the credit card, but the last part of it is a little different. It's a fiscal note, which can be a vending of mercantil, or a vending of services between two companies. This is a duplicata that turns out to be a financial asset, that can be negotiated in this institution that was created and also authorized to function by the Banco Central There are two representatives of registrador and escriturador institutions, which are just a kind of digital cart in which this ativo is registered, escriturado, and with this it can be negotiated. And it can be negotiated with less friction, with more transparency, with this open assets. And... The great The interesting point of this is that it can be expanded to other classes of the ativos. Ativos rural, CPR, for example, can be expanded to immobiliars. I I'm going to go To conclude, here, we have a hard time. What do we need to implement this in a way We need some upgrades to what we have here in the market of recebíveis today. We need We have to establish a governance model a governance that puts on the table all players, all actors involved, from the registrador, the scripturator, to the regulator, to the new credit, new entrants like startups. and We can already pick up a model that already exists in Open Finance, which obviously has its points of improvement, but also has many qualities that can be replicated here for Open Assets. So, we can pick up a model of Open Finance. to open assets create OpenAssets Brasil, for example, and define a plane of the boat. This is super important, because, for example, the regulation that I citei, the duplication of escritural, is from 2018, is becoming reality today. We have a regulation of CPRs, which I think is from 2020, a regulation of credit card, which is from 2019. So, this has been a long time to happen. And we hope that with the support do from the President and the Congress, we can make this take more body, more speed, because this can represent a transformation for Brazil in the same dimension that the PIXX represents for physical people. And My time is going to be esgotado. I thank you again to the President of the Commission for the opportunity, for the space. and I hope that this is just the beginning of this discussion. Thank you. - Okay.