Transforming court-ordered credits into real liquidity in a secure, fast, and accessible manner 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 Brazilian court-ordered receivables market through a model based on technology, financial inclusion, and complete process deregulation. With a fully online process, blockchain registration, and an average ticket size of R$ 109 thousand, , the operation has already moved R$ 100 million and is targeting R$ 150 million in court-ordered receivables acquired by the end of the year. "What was once an asset restricted to large funds and complex legal processes can now be traded by any citizen with just a few clicks, and best of all: without a notary, without a digital certificate, and with full legal security," says João Carlos Garcia, former vice president of Caixa Econômica Federal and CEO of Preks.
A platform by Preks combines three main technologies: integrated digital accounts, transaction registration on the Ethereum blockchain (the first structure of its kind accelerated by the Central Bank via the LIFT program in 2020), and an escrow payment system that protects both buyers and sellers. The process is simple: the seller registers, enters the court-ordered receivable data, receives an offer, 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 full traceability and no risk of double assignment, one of the biggest fears in this market.
This model eliminates the need for a notary, speeds up the debt transfer (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 transaction 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 an amount that is rightfully theirs. With Preks, they can access this money in a dignified, secure, and straightforward manner," says João Kepler, CEO of Equity Group. "Investing in this means investing in social justice based on real technology and measurable impact," he adds.
Today, Preks sources court-ordered receivables through three main channels: its own online platform, which receives daily registrations; a dedicated front for institutional partnerships that monitors quotes and the negotiation pipeline; and soon, a new vertical with partner law firms, expanding reach to individuals who have been involved in class-action lawsuits or are awaiting court-awarded funds.
Anticipating court-ordered receivables through the platform is cheaper and less bureaucratic than taking out a bank loan. It is a legitimate solution, , legally sound, and with an impact focus: "Our role as an investor is to accelerate solutions that improve people's lives and correct historical distortions. The sale of court-ordered receivables can no longer be a privilege for the few; it must be a viable alternative for the many," concludes João Kepler.
