WhitePaper V1.0 — BRT
BRT: A Brazilian Real-Backed Stablecoin Built for Institutional Liquidity
Connecting BRL liquidity, digital assets and global settlement through a transparent, compliant and multichain structure.
The stablecoin market has become one of the most important foundations of digital finance.
What began as a trading instrument has evolved into a core layer for payments, liquidity, settlement and international financial connectivity. As adoption grows, the market is increasingly demanding stablecoins that are not only liquid and technically efficient, but also transparent, compliant and connected to real-world financial use cases.
This is the context in which BRT — Brazil Real Transfer was created.
BRT is a Brazilian Real-backed stablecoin designed to connect BRL liquidity to the global digital asset ecosystem. Pegged to the Brazilian Real, BRT was structured to support institutional operations, payment flows, foreign exchange connectivity and on-chain settlement with greater efficiency.
Its purpose is clear: to create a stronger bridge between the Brazilian financial market and the global stablecoin economy.
Why BRT Matters
Brazil has one of the most advanced payment environments in the world.
At the same time, stablecoins have become a relevant instrument for global settlements, international payments, liquidity management and digital asset operations.
However, most of the leading stablecoins in the market are connected to the U.S. dollar or other major international currencies. This creates a gap for markets that need efficient access to local currency liquidity, especially in countries with strong payment systems and growing digital asset adoption.
BRT was designed to address this gap.
By connecting the Brazilian Real to a blockchain-based liquidity environment, BRT creates a new operational layer for companies, financial institutions, exchanges, liquidity providers and qualified participants seeking more efficient access to BRL-denominated digital settlement.
Institutional Structure and Strategic Partners
BRT was developed within an institutional framework focused on:
Compliance
Security
Transparency
Operational efficiency
Reserve accountability
Integration with regulated partners
The project is supported by a network of strategic participants connected to financial services, payment operations, technology, foreign exchange and digital asset infrastructure.
The ecosystem includes:
BRT
Ether
Higher Global
SulPayments
CorpX
Gowd
RR Câmbio
Each participant contributes to a specific part of the ecosystem, including liquidity, on-ramp and off-ramp operations, foreign exchange, global payments, technology integration and institutional support.
This structure reinforces the purpose of BRT: to operate not as an isolated token, but as part of a broader institutional arrangement connecting traditional finance and digital assets.
A Brazilian Stablecoin Built for Real Utility
BRT was designed around practical use cases.
Its structure may support companies, payment institutions, exchanges, foreign exchange operations and qualified participants in different scenarios, such as:
Business payments
International remittances
BRL liquidity management
Integration with exchanges
Traditional foreign exchange flows
Asset tokenization
Commodities operations
DeFi integrations
Institutional digital asset settlement
The objective is not only to represent the Brazilian Real on-chain, but to make BRL liquidity more usable within a global financial environment that is increasingly digital, programmable and interconnected.
Multichain Operation
BRT is launched with integration across three major networks:
Ethereum
BNB Chain
Polygon
These networks were selected due to their relevance, compatibility and connection with international digital asset flows.
The multichain model allows BRT to operate across different blockchain environments, increasing flexibility and improving access for users, companies and institutional partners.
This structure also supports broader interoperability with the digital asset market, including potential integrations with wallets, exchanges, liquidity providers and settlement platforms.
Key Features of BRT
BRT brings together a set of features designed for institutional and operational use.
Institutional Liquidity
BRT is structured to connect with payment accounts, participating partners and digital asset operations, supporting a more efficient bridge between BRL liquidity and on-chain settlement.
Reserve Model
Each issued BRT is backed by reserves connected to the operation, maintaining a 1:1 reference with the Brazilian Real.
Audit and Transparency
The project is structured around recurring information reports and transparency practices, reinforcing accountability and market trust.
API, Web and PWA Access
BRT was designed to support automated operational experiences through API, web and progressive web app environments.
PIX Connectivity
Within the applicable operational flow, PIX inflows may generate proportional BRT issuance after validation and reserve confirmation.
SEPA / IBAN Connectivity
The structure also contemplates international flows involving euro-to-USDC conversion and subsequent swap to BRT, connecting international receipts to BRL liquidity.
VASP-Oriented Structure
BRT is aligned with the evolution of the Brazilian regulatory environment for digital assets and with the institutional standards expected from participants operating in this market.
Governance and Compliance
BRT governance is conducted by a council composed of representatives from key ecosystem participants.
The governance model includes qualified decision-making and institutional participation from partners connected to technology, liquidity, financial operations and digital asset services.
From a compliance perspective, the project incorporates procedures focused on:
KYC
AML
Anti-money laundering prevention
Counter-terrorism financing controls
Risk mitigation for irregular operations
Participant verification
The structure also uses verification and compliance tools such as Sumsub, reinforcing the project’s commitment to operational integrity.
Reserve Composition
BRT is designed to be fully redeemable at a 1:1 ratio with the Brazilian Real.
The reserve structure may include:
- Brazilian Government Bonds (LFTs)
- Repurchase agreements
- 100% fiduciary reserves held in banks and payment institutions regulated by the Central Bank of Brazil
This model was created to support liquidity, redemption capacity and operational reliability.
The reserve approach is one of the most important pillars of the project, since stablecoins require not only technical infrastructure, but also trust, transparency and credible backing.
Mint and Burn Process
The issuance and redemption logic of BRT follows a controlled operational flow.
Issuance
Issuance requests may be initiated by regulated financial institutions, exchanges and participating partners, subject to required validations.
Before tokens are issued, the process includes checks related to:
KYC
Fiduciary reserve validation
Operational limits
Applicable compliance requirements
Only after these validations are completed can the corresponding BRT tokens be issued.
Burn
When redemption is requested, the applicable validations are performed. After approval, the tokens are burned and the corresponding reserves are released according to the operational flow.
This mint and burn structure reinforces the relationship between issued tokens and the reserves connected to them.
Smart Contract Architecture and Security
BRT’s technical structure is based on recognized smart contract standards and OpenZeppelin components.
Key technical characteristics include:
No proxy
Contractual transparency
Secure storage
Audited libraries
Public code
The contracts are available through public block explorers, including:
Etherscan
BscScan
PolygonScan
This public visibility reinforces transparency and allows market participants to verify the token contracts directly through recognized blockchain explorers.
A Bridge Between Brazil and the Global Digital Asset Market
BRT was created to reduce operational friction between traditional finance and stablecoin-based settlement.
Its role is to connect:
Brazilian payment flows
BRL liquidity
Digital asset markets
Foreign exchange companies
Exchanges
Global partners
Liquidity providers
Institutional participants
In practice, BRT seeks to create a more efficient operational bridge between the Brazilian financial system and the global blockchain economy.
This is especially relevant in a world where international payments, liquidity movement and financial settlement are becoming more digital, faster and more programmable.
Conclusion
BRT — Brazil Real Transfer — was developed to connect the traditional Brazilian financial market to the global digital asset ecosystem.
Its objective is to reduce foreign exchange inefficiencies, strengthen BRL liquidity in digital environments and create a modern structure for international settlement.
With institutional support, transparent reserves, multichain operation and a governance model focused on compliance, BRT positions itself as a relevant Brazilian Real-backed stablecoin for the next phase of digital finance.
As stablecoins continue to evolve from trading instruments into real financial infrastructure, BRT represents an important step toward bringing the Brazilian Real into a more connected, liquid and global on-chain environment.
Official Links
BRT: https://brazilrealtransfer.com/
Ether: https://etherexchange.com.br/index.html
Higher Global: https://higherglobal.com.br/
SulPayments: https://sulpayments.ch/
CorpX: https://corpx.com/
Gowd: https://gowd.com/br/
RR Câmbio: https://rrcambio.com.br/
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