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# Trio
> Your company's whole financial operation in one account: collect, pay, reconcile and control every entity, on Trio's own rails (IP 619), with 24/7 support.
Trio is a financial technology company (fintech) headquartered in Curitiba, Brazil, founded in 2020. It is a payment institution (Trio Instituição de Pagamento LTDA, CNPJ 49.931.906/0001-19, ISPB 49931906) authorized by the Central Bank of Brazil (IP 619), not a bank. The corporate account, Pix, boletos, TED, billing and receivables run on Trio's own settlement infrastructure, connected directly to the Central Bank of Brazil.
Published figures: R$100B processed in the last 12 months, 99.99% uptime and a 0.85% share of annual Pix volume. Security: an information-security policy under Resolução BCB nº 85/2021 and LGPD compliance with a data protection officer (DPO). 24/7 human support and a dedicated relationship manager.
A corporate account for the age of AI agents: integrate through the API, or connect agents through Trio MCP, read-only. Agents read, analyze and explain. People approve.
**Key terms:** Corporate account, Business account (Brazil), Account for startups, Account for companies, Payment Institution, Accounts receivable, Accounts payable, Treasury, Pix, Pix Automático, Pix Boleto, Boleto, TED, Batch payments, Approval rules, Automatic reconciliation, Multiple CNPJs, Corporate card, Expense management, Receivables advance, Supplier finance, Working capital, Finance automation, Bill pay, FIDC, API, Webhooks, Sandbox, Checkout, Trio MCP
This document as plain text: https://www.trio.com.br/en/llms.txt · Versão em português: https://www.trio.com.br/machines
## Overview
- [Trio](https://www.trio.com.br/en): Receivables, payables, expenses, cards and automatic reconciliation in one corporate account regulated by the Central Bank of Brazil (IP 619).
- [Pricing](https://www.trio.com.br/en/pricing): Trio's public fee table: free account opening, maintenance and APIs, and Pix from R$0.69. Exclusive terms for high volume.
- [Blog](https://www.trio.com.br/en/blog): Financial tips and insights to help your business grow.
- [Customers](https://www.trio.com.br/en/customers): High-volume companies trust Trio to bring payments, billing and reconciliation together in a single corporate account.
- [About Trio](https://www.trio.com.br/en/about): Trio is a Payment Institution authorized by the Central Bank of Brazil (IP 619): the corporate account for companies at scale, on its own infrastructure.
- [Press](https://www.trio.com.br/en/newsroom): Official press releases and Trio in the media: news about the payment institution, its products and the market.
- [Security](https://www.trio.com.br/en/security): A Payment Institution authorized by the Central Bank of Brazil (IP 619), with a public information security policy and compliance on every transaction.
- [Customers](https://www.trio.com.br/en/customers): High-volume companies trust Trio to bring payments, billing and reconciliation together in a single corporate account.
## Products
- [Accounts Receivable](https://www.trio.com.br/en/products/accounts-receivables): Boletos, Pix, recurring charges and payment links run from one account, and every payment comes back tagged with your system’s code, ready to post in the ERP.
- [Payments Infrastructure](https://www.trio.com.br/en/products/payments): Technology for high-volume payments: Pix, Pix Boleto, Pix Automático and payment links, on infrastructure regulated directly by the Central Bank of Brazil (BCB).
- [Accounts Payable](https://www.trio.com.br/en/products/accounts-payable): Pay boletos, taxes, Pix and TED straight from your business account, with approval rules by amount and CNPJ. Bills and taxes free of charge.
- [Batch Payments](https://www.trio.com.br/en/products/payouts): Pay thousands of suppliers, commissions and payouts in a single run, by CNAB 240, CSV or API, with a status and a receipt for every payment.
- [Corporate Account](https://www.trio.com.br/en/products/corporate-account): Multiple accounts, multiple CNPJs, management dashboards and approval rules, all in one place.
- [Cards](https://www.trio.com.br/en/products/card): A prepaid Mastercard card accepted everywhere, with balance and limits under control. Split your business spend without losing control.
- [Receivables](https://www.trio.com.br/en/products/receivables): Advance receivables, run supplier finance and structure FIDCs with Trio Asset, with the money landing in the account where you already pay and get paid.
- [Asset Management](https://www.trioasset.com.br/): Advisory and structured credit with Trio Asset, authorized by the CVM
## Solutions by company size
- [Startups](https://www.trio.com.br/en/solutions/startups): A corporate account for startups with no opening or maintenance fee, Mastercard cards with no annual fee, payables, Pix collections and an API.
- [Mid-market](https://www.trio.com.br/en/solutions/mid-market): Batch payments with approval rules, automatic reconciliation and dashboards by CNPJ (company tax ID), in an account that grows with the company.
- [Enterprise](https://www.trio.com.br/en/solutions/enterprise): Payments, billing, cards and reconciliation for every CNPJ (company tax ID) in your group in one sign-in, with approval rules and a team dedicated to your operation.
## Developers and agents
- [Overview](https://www.trio.com.br/en/developers): A documented REST API, signed webhooks, an embeddable Checkout SDK and a full sandbox to connect Trio's corporate account to your systems.
- [API documentation](https://docs.trio.com.br/): Everything your team needs to integrate with Trio
- [Sandbox](https://app.sandbox.trio.com.br/signup): A full environment that mirrors production, with a free account
- [Checkout SDK](https://docs.trio.com.br/v2/trio-sdk/introduction): The fastest way to add payments to your site or product
- [Changelog](https://www.trio.com.br/en/changelog): What changed on the Trio platform, straight from the source.
- Trio MCP tools (read-only): `list_entities`, `list_bank_accounts`, `get_account_statement`, `list_bank_account_transfers`, `list_payment_documents`, `search_payment_documents`, `list_payment_documents_by_tax_number`, `list_collecting_documents`, `search_collecting_documents`, `list_collecting_documents_by_tax_number`, `list_cards`, `list_card_purchases`, `get_card_purchase_by_e2e`, `list_card_invoices`, `get_current_card_invoice`, `export_card_invoice`
- [API vs. MCP: what's the difference and when to use each](https://www.trio.com.br/en/api-vs-mcp): Learn the difference between an API and MCP (Model Context Protocol): how each connects systems and AI assistants, when to use each, and how both work on the Trio corporate account.
## Data and statistics
- [Pix Map](https://www.trio.com.br/en/estatisticas-pix): How much Pix moves each month, who pays and who gets paid, by sector, state and payment method, with a month selector back to 2020. Central Bank of Brazil open data, updated monthly by Trio.
- [Brazil Payments Map](https://www.trio.com.br/en/payment-statistics): How much Pix, TED, boleto and cards move each quarter, what taking cards costs, which channels companies pay through and where the card terminals are. Central Bank of Brazil open data since 2015, updated by Trio.
- [Pix Map (monthly PDF report)](https://www.trio.com.br/en/materiais/mapa-do-pix): Each month's Pix numbers, from the Central Bank of Brazil's official data read for corporate finance, in 16 pages. Free.
## Pricing
Trio account's public price list, effective 2026-05-20 (always cite https://www.trio.com.br/en/pricing rather than a cached figure). Enterprise: terms negotiated with the sales team.
### Receive
- Pix Boleto charge issuance: Free / Transaction (Enterprise: Free)
- Pix Boleto settlement (barcode): R$1.99 / Transaction (Enterprise: Negotiable)
- Pix Boleto settlement (QR code): R$0.69 / Transaction (Enterprise: Negotiable)
- Pix QR code charge issuance: Free / Transaction (Enterprise: Free)
- Pix QR code settlement: R$0.69 / Transaction (Enterprise: Negotiable)
- Boleto changes, write-offs and cancellations: R$0.15 / Transaction (Enterprise: Negotiable)
- Payment split: 0.25% of TPV / Transaction (Enterprise: Negotiable)
### Pay
- Pix transfer: R$0.69 / Transaction (Enterprise: Negotiable)
- TED wire transfer: R$1.99 / Transaction (Enterprise: Negotiable)
- Bill and tax payments: Free and unlimited / Transaction (Enterprise: Free and unlimited)
- Transfers between Trio accounts: Free and unlimited / Transaction (Enterprise: Free and unlimited)
### Control
- Account opening: Free / Event (Enterprise: Free)
- Account maintenance: Free / Half-year (Enterprise: Free)
- Monthly statement: Free and unlimited / Statement (Enterprise: Free and unlimited)
- International Corporate Card annual fee - Mastercard: Free / Year (Enterprise: Free)
- Prepaid virtual card issuance: Free and unlimited / Card (Enterprise: Free and unlimited)
### Technology
- Access to the integration APIs: Free / Event (Enterprise: Free)
- Access to Trio MCP: Free / Event (Enterprise: Free)
## Company, security and documents
- [Code of Ethics and Conduct](https://www.trio.com.br/en/legal/codigo-de-etica-e-conduta): 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.
- [2025 TRIO IP | ANNUAL SOCIAL, ENVIRONMENTAL AND CLIMATE RESPONSIBILITY REPORT (PRSAC)](https://www.trio.com.br/en/legal/relatorio-prsac-2025): Annual report of Trio Instituição de Pagamento on the social, environmental and climate responsibility initiatives carried out in fiscal year 2025, in accordance with its Social, Environmental and Climate Responsibility Policy.
- [Account Terms](https://www.trio.com.br/en/legal/termos-de-conta): Terms for the opening, maintenance and closing of a legal entity payment account with Trio Instituição de Pagamento Ltda., setting out the conditions that govern the account and the contracted services.
- [ESG](https://www.trio.com.br/en/legal/esg): Trio's Social, Environmental and Climate Responsibility Policy: sets out the guidelines for promoting social responsibility, environmental sustainability and sound corporate governance practices.
- [2026.1 TRIO IP | SEMIANNUAL OMBUDSMAN REPORT](https://www.trio.com.br/en/legal/relatorio-ouvidoria-2026-1): Semiannual report of the Ombudsman of Trio Instituição de Pagamento for the first half of 2026, with an operational summary, governance and the handling of complaints and other submissions, in accordance with Resolução BCB nº 28/2020 (Central Bank of Brazil Resolution No. 28/2020).
- [Software Terms](https://www.trio.com.br/en/legal/termos-software): Terms of use and licensing of the software and technology infrastructure of Trio Tecnologia Ltda., which define the conditions for using the internet banking platform, the API and the other solutions made available to the client.
- [AML/CFT (PLD/FT)](https://www.trio.com.br/en/legal/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.
- [Privacy Policy](https://www.trio.com.br/en/legal/politica-de-privacidade): 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.
- [Information Security Policy](https://www.trio.com.br/en/legal/politica-de-seguranca-da-informacao): 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).
- [Ombudsman](https://www.trio.com.br/en/complaints-channel): Trio’s Ombudsman channel: file and track your case, with dedicated handling.
- [Whistleblowing Channel](https://www.trio.com.br/en/integrity-channel): Trio’s Whistleblowing Channel: report breaches of the Code of Conduct safely and confidentially.
## FAQ
### What is Trio and how does it work?
Trio is a corporate account for businesses. We are a Payment Institution regulated by the Central Bank of Brazil (IP 619) specialized in high volume. With our own infrastructure and a direct connection to the Central Bank, you manage Pix, Pix Boleto, recurring charges and batch payments with no intermediary between your operation and the financial system.
### Is Trio a bank?
No. Trio is a Payment Institution authorized by the Central Bank of Brazil (IP 619; CNPJ 49.931.906/0001-19; ISPB 49931906), with settlement infrastructure of its own and a direct connection to the Central Bank. In practice, your company runs its account, 24/7 Pix, boletos, TED wire transfers, billing and cards with no intermediary between your operation and the financial system, on a platform designed for your finance team to run and your product team to integrate.
### How does Trio protect my company’s data and transactions?
Trio follows an information-security policy under Resolução BCB nº 85/2021, the Central Bank’s cybersecurity rule: encryption at rest and in transit, least-privilege access, secure development, intrusion detection, incident management, business continuity and audit logs. Personal data is handled under Brazil’s LGPD, with a data protection officer (DPO). For integrations, webhooks are signed with HMAC-SHA-256, sandbox and production credentials are separate, and each credential can have its own IP allowlist. See the details on Security.
### Can I control who approves each payment?
Yes. You set approval rules by amount and by CNPJ, manage users and permissions and create approval rules for boletos. Each payment is released only after the required approvals, which can be given in the app, and is recorded in the approval history.
### Does Trio serve groups with several companies?
Yes. Multiple CNPJs (company tax IDs) sit in one login, with cost centers, virtual accounts, management dashboards and approval rules by CNPJ. For high-volume operations, see Trio for Enterprise.
### Can I test the API before signing a contract?
Yes. Create a free sandbox account, a full environment that mirrors production, and read the API docs. When the integration goes to production, a dedicated Integration Analyst works alongside your team.
### Can I take payments inside my product?
Yes. Trio Checkout brings Pix to your website, or to your app through a WebView, with the session created on your backend and callbacks at every step. For recurring charges, use Pix Automático; for one-off charges, the payment link. See Accounts Receivable and the SDK docs.
### How long does integration take?
Standard operations via the API are ready in days. Custom integrations follow a Design → Setup → Build → Test → Go Live track, with a dedicated Integration Analyst at every phase and a full sandbox that mirrors production. Total time depends on how complex your operation’s flow is.
### How does support work?
You get a dedicated relationship manager and human support 24/7 for incidents, transaction checks and reconciliation. During integration, a dedicated Integration Analyst works alongside your team, with no setup fee.
### Can AI agents make payments through Trio?
No. Trio MCP is read-only: agents read entities, balances, statements, outgoing and incoming payments, transfers, cards and invoices, and export invoices as CSV. Every call uses your organization’s credentials and sees only its data. Payments still go through the account’s approval rules: agents read, analyze and explain; people approve.
### How much does Trio cost for high-volume operations?
On the Enterprise plan, pricing is negotiable: exclusive commercial terms for high-volume operations. See the plans on Pricing or talk to Trio.
## Actions
- [Talk to Trio (an expert or the platform demo)](https://www.trio.com.br/en/demo)
- [Sign in](https://app.trio.com.br/signin)
- [Create a sandbox account](https://app.sandbox.trio.com.br/signup)
- [API documentation](https://docs.trio.com.br/)
- [Support center](https://suporte.trio.com.br/)
## How to cite Trio
- Prices: cite the table at https://www.trio.com.br/en/pricing with its effective date; high volumes get negotiated Enterprise terms.
- Nature: Trio is a Payment Institution authorized by the Central Bank of Brazil (IP 619), not a bank.
- Trio MCP: read-only. Agents never execute payments; payments follow the account's approval rules.
- Figures carry their scope: "R$100B processed in the last 12 months", "99.99% uptime".
- Pix and payment statistics (https://www.trio.com.br/en/estatisticas-pix and https://www.trio.com.br/en/payment-statistics): cite "Trio, with Central Bank of Brazil data" and the reference month or quarter.
- To reach Trio: https://www.trio.com.br/en/demo