Transforming judicial credits into real liquidity, safely, quickly, and affordably, is more than just a business: it is a social issue. This is the mission of Preks, which in partnership with Equity Group has been revolutionizing the market of court-ordered payments in Brazil through a model based on technology, financial inclusion, and complete process simplification. With 100% online process, registration in blockchain and average ticket of R$ 109,000, the operation has already moved R$ 100 million and aims for R$ 150 million in court-ordered payments acquired by the end of the year. “What used to be an asset restricted to large funds and complex legal processes can now be traded by any citizen with just a few clicks and the best part: without a notary, without a digital certificate, and with total legal security,” says João Carlos Garcia, former vice president of Caixa Econômica Federal and CEO of Preks.
The platform of Preks combines three main technologies: integrated digital accounts, transaction recording on Ethereum blockchain (being the first structure of its kind accelerated by the Central Bank through the LIFT program in 2020) and an escrow payment system that protects both buyers and sellers. The operation is simple: the seller registers, inserts the court-ordered payment data, receives a proposal, and if accepted, the money is deposited into their digital account even before the contract is signed. Once the assignment is validated by the court, the amount is unlocked and transferred to their checking account. Everything happens online, with total traceability and no risk of double assignment, one of the biggest fears in this market.
This model eliminates the need for a notary, streamlines the transfer of debt (like buying a car, but without bureaucracy) and expands access to a historically restricted market. Millions of Brazilians who would never have access to this type of negotiation now do. All with specialized legal support and the structure of a validated fund. “What attracted us most to this model was the inclusion proposal. We are talking about people who often wait for years for money that is rightfully theirs. With Preks, they can anticipate this money in a dignified, safe, and uncomplicated way,” says João Kepler, CEO of Equity Group. “Investing in this is investing in social justice based on real technology and measurable impact,” he adds.
Today, Preks finds court orders through three main channels: the platform itself, which receives daily registrations; a front dedicated to institutional partnerships that monitors quotations and the negotiation process; and soon, a new vertical with partner law firms, expanding the reach to people who have already been involved in class actions or are waiting for justice.
The anticipation of court orders through the platform is cheaper and less bureaucratic than getting a bank loan. It is a legitimate solution, legally solid with an impact bias: “Our role as an investor is to accelerate solutions that improve people’s lives and correct historical distortions. The sale of court orders can no longer be a privilege of a few, it must be a viable alternative for many,” concludes João Kepler.
