brRWA

Global Access to Brazilian Fixed Income

Tokenizing Brazil's High-Yield Fixed Income for Global Investors

11% Annual Yield
€50 Min. Investment
24/7 Liquidity

Solution Architecture

1

Brazilian Fixed Income Assets

Tesouro Selic Bonds
Government treasury bonds
11% p.a.
Bank CDBs
Certificates of Deposit
10%+ p.a.
↓
2

SPV Acquisition & Protection

✓ Ring-fenced asset structure
✓ Client asset segregation
✓ Partner bank network
✓ Full regulatory compliance

Solution Architecture (cont.)

3

ERC-4626 Tokenization

1:1 Backing
Every token = R$1 asset
ERC-4626
DeFi standard vault
Instant
Real-time minting
↓
4

Chainlink Proof-of-Reserve

24/7
Real-time verification
100%
Transparency
0
Custodial risk
↓
5

Global Investor Access

€50
Min. investment
10%+
Annual yield
Daily
Liquidity
Auto
Yield distribution

Market Opportunity

5M+

Brazilians Abroad

Living overseas seeking investment opportunities

€17B

Savings Pool

Total estimated expatriate capital

11%

Selic Rate

Highest real rate among G20 nations

$2 Trillion RWA Market by 2030

brRWA is positioned at the intersection of tokenization, DeFi, and emerging markets

Addressable Market

Primary Target (Phase 1)

European Brazilians 2M+
US Brazilians 1.5M
Other Regions 1.5M

Secondary Target (Phase 2)

Global Yield Seekers Massive
Investors seeking 10%+ real yields
Crypto/DeFi Users Growing
Looking for RWA exposure
Institutional High Value
Seeking EM fixed income access

Business Model & Economics

Management Fee

0.5%
Annual fee on assets under management
Example at R$200M AUM:
R$1M / year

FX/Stable Spread

0.2%
Conversion fee between currencies
On deposits/withdrawals
Recurring

Additional Revenue

+
LP fees, DeFi integrations, B2B
White-label partnerships
High margin

Unit Economics

0.7%
Total Annual Take Rate
70%+
Gross Margin
Day 1
Positive Unit Economics

Path to Profitability

Break-even Target

Timeline 18 months
Required AUM R$200M
Annual Revenue R$1.4M+

Operational Efficiency

Cost Advantage
40-60% lower than EU/US operations
BaaS Partnerships
Reduced infrastructure costs
Lean Structure
Technology-first approach

Competitive Advantages

First-Mover

First Brazilian fixed income token combining Proof-of-Reserve with full regulatory compliance

• No direct competitors in market
• Brand establishment opportunity
• Network effects from early adoption

Superior Yield

Net yield exceeding 10% p.a. in hard currency - significantly outperforming alternatives

brRWA 10%+
US Treasuries 4.5%
EU Government Bonds 3.2%
Stablecoins 5-6%

Cost Leadership

Operational efficiencies translate to lower costs and higher margins

• Brazilian operational costs 40-60% lower
• BaaS partnerships reduce infrastructure
• Technology-first reduces overhead

White-Label Protocol

Scalable B2B infrastructure for wallets and exchanges

• Easy integration for partners
• Revenue sharing model
• Exponential reach expansion

Competitive Moat

Regulatory
CVM & BACEN aligned
Bank Partners
Exclusive relationships
Technology
Chainlink PoR integration
Network
First-mover advantage

Growth Strategy

1

Phase 1: Direct-to-Consumer

Launch dedicated app targeting Brazilian expatriates in key European hubs

Target Markets
Lisbon, Barcelona, London
Community Events
Expatriate centers
Education
Content marketing
2

Phase 2: B2B2C Expansion

Scale through integration with established crypto wallets, brokers, and exchanges

White-Label Protocol
Platform integrations
Partner Network
Revenue sharing model
Referral Program
Tiered incentives
3

Phase 3: DeFi Integration

Unlock additional yield opportunities through DeFi protocol partnerships

Lending Protocols
Collateral usage
Liquidity Pools
Enhanced yields
Yield Aggregators
Broader distribution

brRWA

Thank You

Contact: Rodrigo Serviuc Pavezi

rodrigopavezi@brinvest.app

Bringing Brazilian Fixed Income to Global DeFi