Humberto Costa

Bom, primeiro eu queria agradecer o convite novamente. É sempre um prazer estar aqui presente num diálogo tão rico. Agradecer ao deputado presidente da comissão pelo convite. O debate foi muito rico. Acho que fica muito claro na fala do Fernando da CNI a importância do diálogo entre a indústria e o mercado financeiro e toda a sua complexidade que isso representa. Gostaria de aproveitar também para... para demonstrar que o agradecimento ao trabalho que o Banco Central tem conduzido, um trabalho super complexo, uma agenda super bem propositiva, com diálogo constante, e como o Calil mencionou, com toda dificuldade de você conversar com múltiplos agentes, mas a gente tentar incorporar, e esse é o papel da infraestrutura, tentar incorporar a visão de todo mundo dentro desse processo, então é um processo árduo, onde a gente trabalha dia a dia, eu acho que, Sempre pode ser mais rápido, sempre pode ser melhor. Acho que esse é o nosso grande objetivo de aprender e evoluir de maneira cada vez mais célebre. Mas acho que a gente está no bom caminho. A gente já conquistou, como o Fonte colocou, bastante ganho no mercado de cartão. A gente tem bastante esperança que aconteça o mesmo no mercado duplicado e tem tantos outros ativos esperando para a gente conseguir fazer a mesma modernização. Colocamos a B3 a favor do debate, estamos sempre à disposição. Obrigado pelo convite novamente. Obrigado. Obrigado.

Microphone. Thank you. Good morning, good morning to all. Thank you, Jadiel, President of the Commission on Development Econômica, for the invitation. A B3 is very happy to participate and be able to collaborate. I'm going to explain a little bit. A B3 is a infrastructure of market, regulated by the Banco Central and the CVM, where we support the development of the capital and the financial system. So, a market infrastructure It has a fundamental role for these transactions, this interoperability, all of this that we are discussing, in a way of a safe way. So, the Philip has mentioned the challenges of making open finance and open assets, as the Carliot is proposing. The idea is that this infrastructure of market operate in a complex environment, with robust, jurídic and operational. So, the role of the regulator, to be able to deliver technologically all the roles of agents and financiers involved in this great discussion, Extract. and that this happens in a way, in a way, in a way, in a way, in all the implementation. So, we are in a agenda, in a agenda, in a agenda, in a do Banco Central, since the market of the guarantees, and we started with the credit card, as Calil said, we are now in duplication, we are now in the scriptural, and eventually, in the front, we will have a CCB, which is another financial financial asset, so this agenda is a continuous, continuous, and in which we have to learn with the errors and evolve constantly, and benefit from the market of the Brazilian market. That is what I think is the great goal here in the world, that we have a market of the credit more healthy and operational. So, in this context, the interoperability is something fundamental. This is a concept that for us in the B3 is not abstract. He already exists in more than 10 interoperability different, where we have to look at the specific regulation of each of the ativos, look at who is the regulator, if it is a central bank, what we have in each of the requirements, so that we can, within these parameters, define what is the best behavior and what needs to be exercised in each of the roles. So that we can separate the roles and responsibilities and this happens in a safe way. And operational. When we also highlight, in the context, some important pillars that we always like to highlight. The first is the risk system. Every time we move on the financial finance, we say that any point of failure can cause a risk system. So, you need to guarantee that this system is healthy, protected, and that this robustness and this risk is well implemented by all of us and that we don't cause a crisis system. And yet, in the world of today, we have seen attacks, we have suffered pressures. and being confronted with more sophisticated attacks, which are fragilizing the same goal that we are looking for, which is the market of the market more healthy. So we have to look with much attention to this, because once you open this ecosystem, all the borders become a part of this cyber security. So this is a topic that we need to take much attention. Another important point is responsibility and governance. How is this governance happening in a point of inflection? How is it going to destrave? Who is responsible for deter and confront some cases that end up happening in disputing? This is natural in a complex and dynamic system. And finally, the operational power. As Calil mentioned, we have billions and billions of operations, systems operational more complex. A failure of operational power can result in a interruption of a concessions of credit, for example. It can prevent you to make that this credit reaches the point. and we will implement it in the future, looking not only on the market today, but on the evolution, which is what we hope that the Brazilian market is getting to grow and grow much more. And then I highlight a little bit of the Filipe, that the role of the regulator is fundamental in this process. It is he who regulates the EMF, he who regulates the financial assets, he who gives the directives that we need to be able to observe the better behavior and everything that we have to give to the end of the day to protect both the credor, the emissor, the intermediary and the investidor, so that we can, in this healthy exchange, each one can achieve better the role of the role. So we have several well-suceded experiences in this market. So we think that the interoperability and the act of the regulator in the whole group, with associations, is super important to dialogue. Because at the end of the day, the financial market is made by multiple agents. It's super complex. The more we have dialogue, debate, the presence of associations, the presence of the Câmara of Deputats, we are helping to contribute to a more sustainable financial system and more collaborative. I think it's the objective of everyone at the end of the day. So we would like to conclude here that a B3 supports and encourages the simplification, the betterment of the financial financial system and the access free and collaborative of all. So I think we are here to support and conclude with a debate saying that we need to including and giving power to the owner of the asset to be able to do what he needs to be able to do his business and have a healthy ecosystem. That's what is the goal of the final day. Thank you for the invitation. And the B3 continues to be a disposição. for what we need to debate.