Debt capital markets depend on efficient execution. Issuing and managing financial instruments involve multiple steps, from documentation and verification to settlement and administration. Any disconnect between these processes can slow transactions and increase operational complexity.

As capital markets grow more sophisticated, financial institutions need reliable technology infrastructure to manage transactions, maintain control and execute at scale.

QI Tech addresses this need through an integrated financial technology platform. The company provides infrastructure for debt issuance, securities registration, settlement, custody, escrow management and fund administration. Its solutions serve banks, asset managers, securitization companies and other financial institutions seeking to streamline capital market operations and manage complex transactions.

An Integrated Technology Platform

Founded in 2018, QI Tech set out to give financial institutions the technology infrastructure to launch and manage financial products without building every component themselves. It became the first company in Brazil to receive Central Bank authorization to operate as a Sociedade de Crédito Direto (SCD), a regulated direct credit institution that can extend loans using its own capital through an electronic platform.

Since then, QI Tech has expanded into banking, lending, risk management, payments and investment fund administration and custody, bringing these services together through a common technology infrastructure.

Its Debt Capital Markets (DCM) offering extends this platform into debt issuance and post-issuance administration. It supports issuers, securitization companies, arrangers, trustees and investors across different stages of a transaction, with capabilities spanning securities issuance, registration, settlement, custody, collateral management and transaction documentation.

The DCM offering also draws on QI Tech's wider financial capabilities. Its risk management services cover digital onboarding, identity verification, credit analysis and fraud prevention. Banking services include accounts, payments and escrow, while its fund administration and custody operations support investment fund structuring and administration.

Bringing these capabilities together allows financial institutions to access multiple services through one provider, reducing the need to coordinate every operational requirement separately.

In June 2026, QI Tech launched its Settlement Bank operations and securities bookkeeping services for private fixed-income instruments. These include real estate receivables certificates (CRIs), agribusiness receivables certificates (CRAs), debentures, receivables certificates (CRs) and commercial notes.

The launch also introduced a self-service platform that connects transaction participants in real time. Through a single digital environment, users can access securities registration, settlement, custody, collateral management and transaction documentation.

Technology as a Differentiator

QI Tech combines proprietary technology with regulated financial operations to simplify securities administration. Traditionally, an issuance can involve several providers, fragmented systems and repeated exchanges of documents. Coordinating information and reconciling records across multiple institutions can make the process time-consuming and difficult to manage.

QI Tech brings these activities together through a shared platform that connects issuers, securitization companies, arrangers, trustees and investors. Each participant can access the information relevant to their role, while automated workflows help keep transactions visible and records up to date.

Its settlement system puts this approach into practice. QI Tech receives payments from issuers and routes them through the relevant clearing houses for distribution to investors. The automated process allows fund movements to be tracked from payment notifications through to investor credit.
Integration with B3, Brazil's principal financial market infrastructure, allows changes in securities ownership following secondary-market transactions to be automatically reflected in QI Tech's system. This reduces manual reconciliation and keeps ownership records up to date.

Escrow services give clients control over how funds are managed. They can set account conditions based on contractual agreements, manage collateral-related fund flows and maintain segregated accounts and reserve funds, while monitoring transactions as they progress.

QI Tech's regulated entities provide the foundation for these operations. QI Sociedade de Crédito Direto S.A. is authorized by Brazil's Central Bank, while QI CTVM Ltda. is a securities broker-dealer authorized by both the Central Bank and the Brazilian Securities and Exchange Commission (CVM).

From Infrastructure to Market Impact

QI Tech set a target of handling R$32 billion in structured issuances during 2026 through its securities bookkeeping and settlement operations. The target reflects its ambitions in Brazil's private fixed-income market and the scale it expects its infrastructure to support.

Its self-service platform gives issuers and other transaction participants access to information in one place. Issuers can monitor transactions and ownership records, while investors can review their positions, income histories and settlement status. This makes it easier to track transactions and manage post-issuance obligations.

QI Tech's wider business also demonstrates the reach of its financial infrastructure. Through its partnership with Bettr, an Ant International business, the company supports working capital financing for small and medium-sized e-commerce merchants and buy now, pay later (BNPL) options for consumers shopping through AliExpress in Brazil.

QI Tech contributes digital onboarding, credit analysis, fraud prevention, credit origination and Receivables Investment Fund (FIDC) structuring capabilities to the partnership. Transactional data and automated risk analysis help inform credit decisions. While the partnership focuses on lending rather than direct debt capital markets transactions, it illustrates how QI Tech supports financing beyond credit origination.

Receivables generated through lending can also be structured into investment funds such as FIDCs. This connects credit origination with fund administration and securities services, areas in which QI Tech also operates. Its involvement across these stages gives the company experience in the different requirements of originating, structuring and administering financing.

As debt transactions become more complex, the infrastructure connecting issuers, investors and other market participants becomes increasingly important. QI Tech combines proprietary technology with regulated financial operations and fund administration capabilities to support these activities. Its expansion into securities bookkeeping and settlement builds on this foundation and extends its role in Brazil's private fixed-income market.

Recognized as Top Debt Capital Markets Technology Platform in LATAM 2026, QI Tech brings together capabilities spanning credit origination, fund administration and securities services. Its expansion into securities bookkeeping and settlement strengthens this offering, extending its role in the infrastructure supporting Brazil's private fixed-income market.