Treea a fintech specializing in payment solutions – has just taken another step in its technological evolution. Authorized by the Central Bank to operate as a Payment Institution (IP) and Payment Transaction Initiator (ITP), the company will now operate with direct Pix, a model in which it connects directly to the Central Bank's Instant Payment System (SPI), without the need for an intermediary bank to settle transactions.
Treeal 's strategy to strengthen its digital ecosystem and optimize the payment experience for businesses and consumers. The direct connection brings gains in speed, predictability, and cost reduction, as well as real-time settlement.
According to CEO João Santos , only 59 regulated payment institutions in the country are authorized to operate in this format. “Direct Pix requires its own infrastructure, regulatory liquidity, and approval from the Central Bank. Most still depend on clearing banks to process transactions,” he explains.
With over R$12 billion processed and approximately 200 million Pix transactions per month, Treeal is expanding its autonomy to innovate and improve its services. The new model paves the way for functionalities such as installment Pix payments, scheduled Pix payments, and customized instant settlement solutions.
"Our goal is to democratize access to payment technologies, with security, speed, and transparency," Santos emphasizes.
Since its launch in 2020, Pix has become the country's main payment method, used by 93% of Brazilians and responsible for 47% of financial transactions, according to Google data.
“Being directly connected to the SPI means operating at the heart of the national financial system, with the same infrastructure as traditional banks. This elevates Treeal to a new technological and operational level, ready to scale volume and create products with greater speed and security,” concludes the executive.
The new model is now available to the entire customer base.
