Le khasi laguqulelwa ngokuzenzakalela kusuka ngesiNgisi futhi ayikho ebuyekezwe ngumhumushi. Izimo zomthetho nezomthetho zingaba ziyiphutha. Uhlobo lwesiNgisi luyinguqulo egunyaziwe. Funda le khasi ngesiNgisi
Xhumana nommeli

i-America neCaribbean

i-Brazil

IBrazil inesimo sezimali esikhulu eLatin America. I-Banco Central do Brasil igunyaza amabhange, izinhlangano zokukhokha, abameli, amafemu okuguqulwa kwamanye amazwe kanye, kusukela ngoFebhuwari 2026, abahlinzeki bezinsizakalo zempahla yedijithali. I-Comissão de Valores Mobiliários ilawula imakethe yamasheya. IBrazil iyinto eyaziwayo ngenxa yohlelo lwayo lokukhokha okuzenzakalelayo Pix kanye nesigaba esikhulu se-fintech.

Isibhamu sengoziIsiqephu
FATFAkukho kuluhlu
EU AML uhlu lwengozi ephezuluAkukho kuluhlu
i-EU tax listAkukho kuluhlu
Izinhlelo zelayisense6
Imalii-Brazilian Real
Izinga le-S&PBB
Ukhetho Olulandelayo25 Okthoba 2026

i-Brazil ayikho ku FATF Uhlu olumnyama noma olungwevu ngemuva komhla ka-17 kuya ku-19 kuJuni 2026. Akukho miphumela yohlelo lwesigungu esigcwele ngo-Okthoba 2026 eshicilelwe ngesikhathi sokuhlolwa. Alikho ohlwini lwezwe lesithathu elinomthelela ophezulu e-EU (Imithetho Yokuqondiswa (i-EU) 2016/1675 njengoba yaguqulwa ngoMthetho Wokuqondiswa (i-EU) 2026/46 no-2026/83, osebenza ngo-29 Januwari 2026). Alikho embhalweni I noma embhalweni II we-EU tax list ebuyekezwe yizinqumo zeNhlangano ngo-9 Okthoba 2026. Kuhlolwe ngo-13 Okthoba 2026.

Umbuso nepolitiki

UMbuso
Izwe lePhalamende Lesifundazwe
UMengameli
Luiz Inácio Lula da Silva · kusukela ngoJanuwari 2023
UMengameli
ULuiz Inácio Lula da Silva (i-Workers' Party (PT)
Amaqembu alawulayo
Iqembu labasebenzi (PT), elihola iBrazil yethemba le-federation ne-PCdoB ne-PV, iBrazil Socialist Party (PSB), iqembu likaNgqongqoshe wezwe uGeraldo Alckmin
Ukhetho oludlule
Isifundazwe (isinqumo sokuqala somholi, i-Congress, abaphathi kanye nezingqungquthela zesifundazwe), 4 Okthoba 2026
Ukhetho Olulandelayo
Ukhetho lwesigungu esiphezulu, 25 Okthoba 2026. Ukhetho oluphakathi kukaFlávio Bolsonaro (PL), 47.03% eqenjini lokuqala, noLuiz Inácio Lula da Silva (PT), 45.16%. Lula remains head of state and government until the inauguration on 1 January 2027.
Umthethosivivinywa
I-National Congress: bicameral, iChamber of Deputies (amasethi angama-513) neFederal Senate (amasethi angama-81). Kukhetho lukaOkthoba 2026, i-PL yawina amasethi amaningi emigwaqweni emibini (amasethi angama-121; amasethi angama-19 eSenetha angama-54 aphikisanayo).
Indlela yomthetho
Umthetho wesizwe

Economics and finance

Abahlali
213.4m (2025)
I-GDP
US$ 2.3tn (2025)
I-GDP ngamuntu
US $10,683 (2025)
Imali
I-Brazilian real (BRL), inani lokushintshana eliguqukayo nezinga lokuguqula imali
Ibhange Eliphakathi
i-Central Bank of Brazil
Izinga lemali
S&P BB (ihlala) · Moody's Ba1 (ihlala) · Fitch BB (ihlala) (ngoJuni 2026)

I-Latin America's enkulu kakhulu yezomnotho, eyenziwe ngemikhiqizo, ibhizinisi lezolimo, uphethiloli kanye nemakethe enkulu yasekhaya. Uhlelo lwayo lwebhange lulawulwa yiBanco Central do Brasil.

Ibhange

Igunya lebhange elithengisayo noma elinabantu abaningi

Imali encaneUS$ 11.2m
IsikhathiAkukho kushicilelwe
Igunyai-Central Bank of Brazil

Kusuka ngoNovemba 2025 um kapitali omncane uxhomekeka ekusebenzeni kwenkampani, hhayi kuhlobo lwayo. I-BCB ithi iphakathi kuka-BRL 56 ezigidini kuya ku-BRL 96 ezigidini zebhange. Ifomula inengxenye yezindleko: BRL 2 amamilione ngesigaba somsebenzi, kanye ne-BRL 5 amamilione (kuya ku-BRL 10 amamilione) zezinsizakalo ezinamandla zezobuchwepheshe. Iqukethe ingxenye yomsebenzi: BRL 1 amamilione (izinsizakalo), BRL 3 amamilione (ukunakekelwa), BRL 5 amamilione (ukuxhuma) noma BRL 7 amamilione (ama-credits) ngesigaba ngasinye, kanye ne-BRL 5 amamilione noma i-BRL 8 amamilione yesigaba sokutshala imali. Ingxenye yemisebenzi iphindaphindwa nge 200% lapho inkampani ithatha khona izikhundla. Inkampani esebenzisa igama elithi 'banco' kwigama layo ifaka ama-BRL 30 ayizigidi (Resolução Conjunta nº 14/2025, izincwadi. 8 kuya ku 11).

Umthetho
Lei nº 4.595/1964; Resolução CMN nº 4.970/2021 (authorisation processes), arts. 1 to 3; Resolução Conjunta nº 14/2025 and Resolução BCB nº 517/2025 (minimum capital)
Ukudluliswa kwepasipoti
Akukho mthetho wokufaka ipasipoti.
Izidingo ezibalulekile
  • Izilawuli ezinekhono lezimali elihambisana nemali edingekayo
  • Umthombo osemthethweni wezimali ezisetshenziswa ukukhokha ikapitali
  • Isimo sezomnotho kanye nokusebenza kahle kwezimali; i-BCB ingacela umbiko webhizinisi
  • Izinsizakusebenza ze-IT kanye nokulawula okuhambisana nebhizinisi kanye nemibandela yayo
  • Izinkolelo ezingenacala kanye nekhono lobuchwepheshe lomphathi nalowo olawulayo; i-BCB ingakhuluma nabo
  • Ukwabelana kwamanye amazwe kudinga ukuphawulwa kwe-BCB ngomsebenzi wezwe (Decreto nº 10.029/2019)
Sources(5)
  1. BCB: Resolução CMN nº 4.970, de 25/11/2021 · checked 2026-10-12
  2. BCB: Resolução Conjunta nº 14, de 3/11/2025 (minimum capital methodology) · checked 2026-10-13
  3. BCB: Resolução BCB nº 517, de 3/11/2025 · checked 2026-10-13
  4. BCB: Capital Mínimo, Nova Metodologia de Apuração (press presentation, 3 November 2025) · checked 2026-10-13
  5. Planalto: Decreto nº 10.029/2019 · checked 2026-10-12
Inhlangano yemali-elektroniki

Inhlangano yokukhokha ekhipha imali ye-elekthronikhi

Imali encanei-USD 1.8m
IsikhathiAkukho kushicilelwe
Igunyai-Central Bank of Brazil

Imali encane esekelwe ekusetshenzisweni ngaphansi kweResolução Conjunta nº 14/2025. I-BCB isho ukuthi inqwaba ye-BRL 9.2 million kuya ku-BRL 32.8 million yezinhlangano zokukhokha. Usibonelo sayo somthengisi we-akhawunti ekhokhelwe ngaphambili yi-BRL 12.4 million ngaphandle kwe-Pix ne-BRL 17.4 million nge-Pix.

Umthetho
Lei nº 12.865/2013, arts. 6 and 9; Resolução BCB nº 80/2021, arts. 3 and 9 (as amended by Resolução BCB nº 494/2025); Resolução BCB nº 81/2021 (authorisation processes)
Ukudluliswa kwepasipoti
Akukho mthetho wokufaka ipasipoti.
Izidingo ezibalulekile
  • Kudingeka igunya le-BCB ngaphambi kokuqala noma iyiphi insizakalo yokukhokha (Resolução BCB nº 80/2021, art. 9, kusukela ngoSepthemba 2025)
  • Isicelo kufanele sibhale zonke izindlela zokukhokha inkampani efuna ukuhlinzeka ngazo
  • Isimo esifanayo nesifanele, isizinda somnotho kanye nemithetho yokusebenza njengezinye izinhlangano ezigunyaziwe
  • Abakhiqizi abangekho emthethweni bemali ye-e abaqale ngaphambi kuka-1 kuMashi 2021 kumele bafake isicelo phakathi kuka-1 no-31 kuMeyi 2026
Sources(5)
  1. BCB: Resolução BCB nº 80, de 25/3/2021 (consolidated) · checked 2026-10-13
  2. BCB: Resolução BCB nº 81, de 25/3/2021 · checked 2026-10-12
  3. Planalto: Lei nº 12.865/2013 · checked 2026-10-12
  4. BCB: presentation to the Senate Economic Affairs Committee, 19 May 2026 · checked 2026-10-13
  5. BCB: Capital Mínimo, Nova Metodologia de Apuração (press presentation, 3 November 2025) · checked 2026-10-13
Umhlinzeki wezinsizakalo zokukhokha (PSP)

Inhlangano yokhokha: umhlinzeki wethuluzi lokukhokhelwa ngemuva kokukhokhwa, umhlinzeki noma umqashi womsebenzi wokukhokha

Imali encanei-USD 1.8m
IsikhathiAkukho kushicilelwe
Igunyai-Central Bank of Brazil

Imali encane esekelwe emicimbini ngaphansi kweResolução Conjunta nº 14/2025. I-BCB ichaza inani le-BRL 9.2 million kuya ku-BRL 32.8 million ezinhlangano zokukhokha, ngokuya ngemicimbi eyenziwe.

Umthetho
Lei nº 12.865/2013, art. 9; Resolução BCB nº 80/2021, arts. 3, 9 and 9-A; Resolução BCB nº 81/2021
Ukudluliswa kwepasipoti
Akukho mthetho wokufaka ipasipoti.
Izidingo ezibalulekile
  • Igunya le-BCB elingaphambilini nganoma iyiphi insizakalo yediphozithi; amaphesenti evolumu angaphambili abuyiselwe emuva yi-Resolução BCB nº 494/2025
  • Abakhiqizi kanye nabathengisi abakhokhelwe ngemuva komhla ka-5 kuSepthemba 2025 kumele bafake isicelo phakathi kuka-1 no-31 kuMeyi 2026
  • Inkampani elahlekile lefasitela ingaqhubeka kuphela izinsuku ezingama-30 ngemuva kokuvala
  • Abaqala ukukhokha bangagcina imali yomxhasi noma bagcine iziqinisekiso zomxhasi ezigcwele
Sources(3)
  1. BCB: Resolução BCB nº 80, de 25/3/2021 (consolidated) · checked 2026-10-13
  2. BCB: Resolução BCB nº 81, de 25/3/2021 · checked 2026-10-12
  3. BCB: Capital Mínimo, Nova Metodologia de Apuração (press presentation, 3 November 2025) · checked 2026-10-13
Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)

Umhlinzeki wezinsizakalo ze-virtual assets: i-intermediary, custodian noma broker

Imali encaneUS$ 1.6m
IsikhathiAkukho kushicilelwe
Igunyai-Central Bank of Brazil

Imali encane esekelwe ekusebenzeni ngaphansi kweResolução Conjunta nº 14/2025. I Resolução BCB nº 517/2025 ibeka abaphakathi nendawo naba brokers esigabeni sokusebenzisana kanye nabahleli ne-brokers esigabeni sokugcinwa. I-BCB ithi iphakathi kuka-BRL 8 amamilione kuya ku-BRL 37.2 amamilione kubahwebi nabagibeli.

Umthetho
Lei nº 14.478/2022, arts. 2, 5 and 9; Decreto nº 11.563/2023; Resolução BCB nº 519/2025 (authorisation); Resolução BCB nº 520/2025 (constitution and operation, as amended by Resolução BCB nº 589/2026), arts. 4 and 88; Resolução BCB nº 521/2025 (foreign exchange)
Ukudluliswa kwepasipoti
Akukho mthetho wokufaka ipasipoti.
Izidingo ezibalulekile
  • Inkampani ebhaliswe eBrazil enesitezi esiphezulu somsebenzi kanye nokulawula eBrazil (Resolução BCB nº 520/2025, art. 1)
  • Izimo ezintathu: intermediária, custodiante ne corretora. Abaphakathi nabalondolozi bangaxhuma imisebenzi yezinye izimo (isiqephu 4)
  • Iziphathimandla neziphathimandla ezifanele, umthombo osemthethweni womnotho, izinhlelo zebhizinisi ezisebenza kahle
  • Isibhedlela esiyinhloko esisodwa. I-coworking noma izibhedlela ezibonakalayo azivunyelwe (Resolução BCB nº 519/2025, art. 2)
  • Izinkampani ezisebenza ngoFebhuwari 2, 2026 kumele zifake isicelo ngaphakathi kwezinsuku ezingama-270, kuze kube ngu-Okthoba 30, 2026, noma ziphele ngaphakathi kwezinsuku ezingama-30 ngemuva kokuphela kwesikhathi (Resolução BCB nº 520/2025, art. 88)
  • Kusuka ngoNovemba 6, 2026, izinhlangano ezigunyaziwe azikwazi ukubhekana nabahlinzeki bempahla ebonakalayo engagunyaziwe (isiqephu 91, njengoba kulungiswe yiResolução BCB nº 589/2026)
Sources(7)
  1. Planalto: Lei nº 14.478/2022 · checked 2026-10-12
  2. Planalto: Decreto nº 11.563/2023 · checked 2026-10-12
  3. BCB: Resolução BCB nº 519, de 10/11/2025 · checked 2026-10-13
  4. BCB: Resolução BCB nº 520, de 10/11/2025 (consolidated) · checked 2026-10-13
  5. BCB: Resolução BCB nº 589, de 23/9/2026 · checked 2026-10-13
  6. BCB: Resolução BCB nº 521, de 10/11/2025 · checked 2026-10-12
  7. BCB: Resolução BCB nº 517, de 3/11/2025 · checked 2026-10-13
Inkampani yokutshala imali

I-Securities Broker or Distributor

Imali encaneUS$ 1.6m
IsikhathiAkukho kushicilelwe
IgunyaI-Banco Central do Brasil (igunya); i-Comissão de Valores Mobiliários (izimiso zokuziphatha zabaphakathi)

Imali encane esekelwe ekusebenzeni ngaphansi kweResolução Conjunta nº 14/2025. I Resolução BCB nº 517/2025 ibeka ama-CTVMs nama-DTVMs ezindaweni zokuxhumana nokugcinwa. I-BCB ithi iphakathi kuka-BRL 8 amamilione kuya ku-BRL 37.2 amamilione kubahwebi nabagibeli.

Umthetho
Lei nº 4.728/1965, art. 9-A; Resolução BCB nº 519/2025 (authorisation); Resolução CVM nº 35/2021 (intermediation of securities transactions)
Ukudluliswa kwepasipoti
Akukho mthetho wokufaka ipasipoti.
Izidingo ezibalulekile
  • Amalungu kuphela esistimu yokusabalalisa angakwazi ukusakaza izitolo ezilawulwayo zezimali (Resolução CVM nº 35/2021, art. 3)
  • Iziphathimandla neziphathimandla ezifanele, umthombo osemthethweni womnotho, izinhlelo zebhizinisi ezisebenza kahle
  • Isibhedlela esiyinhloko esisodwa eBrazil
  • I-CTVMs ne-DTVMs kuphela ezikwazi ukuhlinzeka ngemali yokuthenga noma ukudlulisa izilinganiso (Resolução CVM nº 35/2021, Annex I)
Sources(3)
  1. BCB: Resolução BCB nº 519, de 10/11/2025 · checked 2026-10-13
  2. CVM: Resolução CVM nº 35/2021 (consolidated) · checked 2026-10-12
  3. BCB: Capital Mínimo, Nova Metodologia de Apuração (press presentation, 3 November 2025) · checked 2026-10-13
I-FX broker

I-broker yezimali zangaphandle

Imali encaneUS$ 1.6m
IsikhathiAkukho kushicilelwe
Igunyai-Central Bank of Brazil

Imali encane esekelwe ekusebenzeni ngaphansi kweResolução Conjunta nº 14/2025. Resolução BCB nº 517/2025 ibeka abameli be-FX esigabeni sokuxhumana. I-BCB ithi iphakathi kuka-BRL 8 amamilione kuya ku-BRL 37.2 amamilione kubahwebi nabagibeli.

Umthetho
Lei nº 14.286/2021, arts. 3 and 5; Resolução BCB nº 519/2025 (authorisation)
Ukudluliswa kwepasipoti
Akukho mthetho wokufaka ipasipoti.
Izidingo ezibalulekile
  • Imisebenzi yokushintshana kwamanye amazwe ingakwenziwa kuphela ngezinhlelo ezigunyaziwe yi-BCB kulo mkhakha (Lei nº 14.286/2021, isigaba 3)
  • Inhlangano kumele ibonise abaxhasi bayo futhi ivimbele imisebenzi engavumelekile, kufaka phakathi ukuwashwa kwemali
  • Iziphathimandla neziphathimandla ezifanele, umthombo osemthethweni womnotho, izinhlelo zebhizinisi ezisebenza kahle
Sources(3)
  1. Planalto: Lei nº 14.286/2021 · checked 2026-10-12
  2. BCB: Resolução BCB nº 519, de 10/11/2025 · checked 2026-10-13
  3. BCB: Resolução BCB nº 517, de 3/11/2025 · checked 2026-10-13
Ama-Supervisors

Ubani olawula

  • Banco Central do Brasil (BCB) · websiteamabhange, amaqembu emali ye-E, abahlinzeki bezinsizakalo zokukhokha, abahlinzeki bezinkonzo zezimali ezibonakalayo (VASPs), izinkampani zokutshala imali, abathengisi be-FX
  • i-National Monetary Board (CMN) iwebhusayithiamabhange
  • Commissão de Valores Mobiliários (CVM) · websiteInvestment firms, Funds

Imali engenayo encane: Resolução Conjunta nº 14 ka 3 Novemba 2025 yashintsha inani elilinganiselwe lohlobo lwenhlangano ngefomula esekelwe ekusebenzeni. Isebenza ngokushesha kuzinhlelo zokusebenza ezintsha. Izinhlangano ezisebenza ngokuqhubekayo zigcina umkhawulo wazo omusha kuze kube 30 Juni 2026 bese ziqala ukushintsha (25% kuya ku 31 Novemba 2026, 50% kuya ku 30 Julayi 2027, 75% kuya ku 31 Novemba 2027, 100% kusuka ku 2028). Izinga lezimali eziboniswa ngelayisense ngalinye liyizinga le-BCB ngokweqembu lenhlangano; isithombe esicacile senkampani sixhomekeke emisebenzini yayo, inhlanganisela yokutshala imali kanye nomthombo wemali. I-BCB noma i-CMN ayibeke isikhathi esisemthethweni sokuthatha isigqibo sokugunyazwa, ngakho-ke amahora azoba yi-null. Akukho zindleko zesicelo ezitholakele kumithetho evuliwe, ngakho-ke izindleko azikho. Ama-virtual assets: Resolução BCB nº 520/2025 waqala ukusebenza ngo 2 Februwari 2026. I Resolução BCB nº 589 ka 23 Septemba 2026 yashintsha isinqumo sokuvimbela abahlinzeki abangagunyaziwe ukuba basebenze no6 Novemba 2026. Resolução BCB nº 521/2025 iletha ezinye izisebenzi zempahla ebonakalayo, kufaka phakathi izikweletu ezithile zokuhweba nge-stablecoin, ezingeni lemithetho yokushintshana kwamanye amazwe. Ama-token abizwa ngokuthi ama-securities ahlala ngaphansi kwe-CVM. I-Sociedades de crédito direto (i-credit fintechs) igunyazwe futhi yi-BCB ngaphansi kweResolução CMN nº 4.970/2021; ibanga le-BCB lezinkampani zezimali yi-BRL 9.8 ezigidi kuya ku-BRL 60 ezigidi. Ukugembula okuqinile: I-Medida Provisória nº 1.394 ka-25 Septemba 2026 ivimbela ukugembula okuqinile nokugembula kwe-inthanethi eBrazil futhi iphelise izigunyazo zesifundazwe 30 izinyanga ngemuva kokushicilelwa, ngakho-ke ayikho ilayisense yokugembula enikeziwe. Isinqumo sokuqala kufanele siguqulwe sibe ngumthetho yiKongrethi ukuze sihlale sisebenza; isikhundla saso sokugcina asikuqinisekisiwe. Abacebisi bezimali kanye nabaphathi bezimpahla ababhaliswe ku-CVM abengabandakanywa kulolu hlelo.

Ulwazi oluphelele

Manje ngeBrazil

i-Brazil emhlaba wonke
Imephu yeBrazil i-Brasilia
Izilimi zesihlabathi. I-map ikhombisa kuphela.
Isimo
Izwe elilawulayo
Idolobhakazi
i-Brasilia
Idolobha elikhulu kakhulu
i-São Paulo
Indawo
8,515,770 km²
Izilimi ezisemthethweni
isiPutukezi
Indawo yesikhathi
UTC-03:00 (isikhathi saseBrasília; izwe lisuka ku-UTC-02:00 kuya ku-UTC-05:00)

Ukuthunyelwa okuyinhloko

  • I-petroli emnyama
  • I-soybeans
  • I-iron ore
  • Inyama yenkomo
  • Ikhofi
  • Igolide
  • i-Copper ore
  • Indiza

Abahlanganyeli abakhulu

  • i-China
  • i-United States
  • i-Argentina
  • i-Netherlands
  • i-Spain
Sources for the country information(12)

Ulwazi lwezwe luhlolwe ngo-Okthoba 13, 2026. Idatha yelayisense ivuselelwe ngo-Okthoba 13, 2026. Ulwazi kuphela, hhayi incazelo yomthetho; izimfuneko zishintshile. Isaziso sokulawula.

Sources for the licensing information(7)
  1. Guyana FIU: Circular No. 3 of 2026, FATF grey list 19 June 2026 · checked 2026-10-13
  2. Latvia FIU: FATF updated lists with jurisdictions under increased monitoring · checked 2026-10-12
  3. European Commission: AML/CFT at international level (EU high-risk third countries) · checked 2026-10-13
  4. EUR-Lex: Commission Delegated Regulation (EU) 2026/83 · checked 2026-10-12
  5. Council of the EU: Council conclusions of 9 October 2026 on the revised EU list of non-cooperative jurisdictions for tax purposes (ST 13854/26) · checked 2026-10-13
  6. Planalto: Medida Provisória nº 1.394, de 25 de setembro de 2026 · checked 2026-10-13
  7. BCB: Resolução Conjunta nº 14, de 3/11/2025 · checked 2026-10-13