Regulated financial infrastructure for companies that operate at scale.
Trio is a Payment Institution authorized by the Central Bank of Brazil (IP 619). Since 2020 we have built the corporate account that finance teams run, product teams integrate and AI agents query.
- Code
- IP 619
- CNPJ (tax ID)
- 49.931.906/0001-19
- Regulator
- Central Bank of Brazil
- Activities
- Electronic money issuancePayment initiationAcquiring
- Founded
- 2020
- Processed in the last 12 months
- R$100B
- Uptime
- 99.99%
Manifesto
It all started with a real problem. The answer was to build a robust, regulated payments infrastructure.
Performance that reflects our commitment
Our numbers describe the size of the responsibility we take on when we stand by an operation.
- processed in the last 12 months1
- R$100B
- uptime2
- 99.99%
- of Brazil's annual Pix volume3
- 0.85%
- of support per 100,000 transactions4
- 1 ticket
- 1 Financial volume processed by Trio in the last 12 months.
- 2 Platform availability, with settlement on Trio's own infrastructure and a direct connection to the Central Bank of Brazil.
- 3 Trio's share of the annual Pix volume.
- 4 Support tickets opened relative to transactions processed.
1.0 Origin
Who built Trio
Trio was founded in 2020 by Peterson Ferreira dos Santos and Manoel de Oliveira Souza, entrepreneurs with a track record in technology and financial markets. Today Trio operates as a Payment Institution regulated by the Central Bank of Brazil under number IP 619, specializing in payments technology.
What sets it apart came from a specific choice: to build a corporate account tailor-made for finance teams, delivering high performance across operations end to end, with no intermediaries.
2.0 Mission
Our goal is
to simplify financial operations
For most companies, each part of the financial operation lives with a different provider, and the finance team pays the price. That’s why we brought it all together in a single account.
3.0 Team
We’re here to stand by your operation
What sets us apart is also how we support each customer, not just what we offer.
A team that knows your business
Every operation has a specialist who understands your reality, monitors the flow and is ready to help at any time. We’re here for companies that know they can go further.
4.0 Group
Raising the bar for
financial partnership
From a payment institution to a complete set of financial solutions.
Expanding from a solid foundation
At the center of our structure is Trio IP (619), a Payment Institution authorized by the Central Bank of Brazil. It was from this regulatory foundation that we began to expand what we offer our customers.
To this infrastructure we added the vision of Fabio Fabro and Gabriel Timm, and brought in a group of securitization companies and Trio Gestora de Recursos, our asset manager. Today, beyond payments, we offer a corporate account, credit and investments, each built on the same regulatory foundation that has supported the operation from the start.
5.0 Customers
Who runs on Trio
from startups to groups with many CNPJs.
Hundreds of companies run payments, billing, cards and reconciliation on Trio, with the level of support each stage calls for.
See customers
Governance
At Trio, integrity is the foundation of everything we do.
Our compliance program ensures we act ethically and in accordance with the law.
Policies and Terms- BRA-GRC-POL-001
Code of Ethics and Conduct
Establishes the principles and guidelines that govern the conduct of Trio's employees, partners, executives, customers, investors and business partners, ensuring alignment with ethical practices and the strengthening of the corporate culture.
- BRA-GRC-POL-010
ESG
Trio's Social, Environmental and Climate Responsibility Policy: sets out the guidelines for promoting social responsibility, environmental sustainability and sound corporate governance practices.
- BRA-GRC-POL-002
AML/CFT (PLD/FT)
Policy for the Prevention and Combating of Money Laundering and Terrorist Financing: establishes the principles, guidelines and responsibilities adopted by Trio to prevent, detect and report such situations, based on Lei nº 9.613/1998 (Law No. 9,613/1998, Brazil's anti-money laundering law) and the applicable regulations.
- BRA-TEC-POL-002
Privacy Policy
Explains how Trio collects, uses, stores, shares and protects the personal data of customers, partners, suppliers, employees and end users, in compliance with the LGPD (Brazil's General Data Protection Law), banking secrecy rules and Central Bank of Brazil regulations.
- BRA-TEC-POL-001
Information Security Policy
Establishes Trio's principles, guidelines and responsibilities for ensuring the confidentiality, integrity, availability and authenticity of information, in compliance with Resolução BCB nº 85/2021 (Central Bank of Brazil Resolution No. 85/2021).
- Resolução BCB nº 28/2020
Ombudsman
Trio’s Ombudsman channel: file and track complaints with dedicated support.
Frequently asked
questions
How is choosing Trio different from choosing a bank?
Both answer to the same regulator, but Trio was designed for your product team to integrate and your finance team to operate, not the other way around. Trio offers payments infrastructure built for scale, with a documented API, an embeddable SDK, simpler reconciliation, a dedicated Integration Analyst and a dedicated Relationship Manager.
How long does integration take?
Standard API operations are ready in days, and the actual timeline depends on your technical team’s availability; we’ve had complete integrations done in a single day. Custom flows follow the Design → Setup → Build → Test → Go Live track, with technical support at every phase.
Does Trio charge for integration or technical support?
No. The dedicated Integration Analyst is included in the process, with no setup fee during integration.