Transforming legal credits into real liquidity, in a safe, quick, and accessible way, is more than a business: it is a social issue. This is Preks's mission, which in partnership with Equity Group is revolutionizing the precatório market in Brazil through a model based on technology, financial inclusion, and complete bureaucratic streamlining of the process. With100% online processblockchain registration andaverage ticket of R$ 109,000, The operation has already moved R$ 100 million and aims for R$ 150 million in court orders.purchased by the end of the year. What was once an asset restricted to large funds and complex legal processes can now benegotiated by any citizenWith just a few clicks and the best: no notary office, no digital certificate, and complete legal security," says João Carlos Garcia, former vice president of Caixa Econômica Federal and CEO of Preks.
A platformfrom Prekscombines three main technologiesintegrated digital accounts, transaction recording on the blockchainof Ethereum(being the first accelerated structure by the Central Bank through the LIFT program, in 2020) and an escrow payment system that protects both the buyer and the seller.The operation is simple:The seller registers, enters the precatório data, receives a proposal, and if accepted,the money is deposited into your digital accounteven before signing the contract. Once the assignment is validated by the court, the amount is unlocked and transferred to your checking account. Everything happens online, with full traceability and no risk of double assignment, one of the biggest fears of this market.
This modeleliminates the need for a notary officeit speeds up 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 negotiation now do. Everything with specialized legal support and the structure of a validated fund. What attracted us most to this model was theinclusion proposalWe are talking about people who often wait for years for an amount that is rightfully theirs. With Preks, they can anticipate this money in a dignified, secure, 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 precatórios through three main channels: the online platform itself, which receives registrations daily; a dedicated front for institutional partnerships that monitors quotations and negotiation pipelines; and, soon, a new vertical with partner law firms, expanding reach to people who have already undergone class actions or are awaiting court-ordered payments.
Advancing the court order through the platform is cheaper and less bureaucratic than taking out a bank loan. It is alegitimate solution, legally solid and with an impact-oriented approachOur role as investors is to accelerate solutions that improve people's lives andcorrect historical distortionsThe sale of precatórios can no longer be a privilege of a few; it needs to be aviable alternative"for many," concludes João Kepler.
