Business infrastructures
Beni · Trade&Go · Infracash
PLATFORM
Mobiup Infra: the modular platform that integrates, governs and settles value.
Mobiup's value-settlement infrastructure layer connects legacy systems, data, identity, money and evidence. Adopt the module that releases value now and expand without starting over.
Layered architecture
A clear architecture: business above, modules at the center and rails below.
Business infrastructures use Mobiup Infra modules; modules apply identity, policy, events and evidence; rails evolve without forcing the business to start over.
Mobiup Infra · modules
Blockchain · Programmable Settlement · Reconciliation & Regulatory Layouts · Legacy Orchestration · Payments & Recurrence
Regulatory umbrella
Identity · Events · Audit · BCB compliance · LGPD
Market rails
Pix · Blockchain · CNAB · ISO 20022 · Cards · Boleto
Business infrastructures consume the modules; modules abstract the rails. Blockchain is one of the rails — a means, not the end.
Platform modules
Five modules that eliminate operational fragmentation.
Each module solves one class of problem and shares the same identity, events, audit and observability foundation.
01
Frame adoptionBlockchain
The problem it eliminates
Assets, rights and obligations circulate without a common programmable registry — manual reconciliation, low portability and fragmented proof.
What it delivers
Issuance and lifecycle of blockchain-based assets, from economic thesis to operation, with a common registry and unified proof.
02
Frame adoptionProgrammable Settlement
The problem it eliminates
Intent, authorization and financial movement live in separate systems — risk moves to the gaps between decision and execution.
What it delivers
Settlement, treasury and rules orchestration across multiple rails — from Pix to blockchain-based assets — with legs that close together.
AI anticipates divergences, simulates positions and recommends the best settlement moment — without moving funds without defined authority.
03
Frame adoptionReconciliation & Regulatory Layouts
The problem it eliminates
Files, acquirers, banks and internal systems generate incompatible states — closing, cash and reporting are delayed.
What it delivers
Processing, routing, split/merge and divergence treated as an event, for layouts such as CNAB and ISO 20022.
AI classifies exceptions, identifies the probable cause and proposes treatment — with traceability and human approval in risk cases.
04
Frame adoptionLegacy Orchestration
The problem it eliminates
Legacy preserves essential rules, but point integrations multiply dependencies and the cost of change.
What it delivers
ERP, SAP, tax issuance and existing contracts integrated through events and data contracts — preserving what must continue.
05
Frame adoptionPayments & Recurrence
The problem it eliminates
Checkout, billing, recurring revenue, tax, ERP and access rights operate as separate integrations — conversion and control fall.
What it delivers
Checkout, subscription, billing, disbursement and end-to-end reconciliation, integrated with tax and ERP.
Common foundation
Common foundation
API and event contracts · Isolated multi-tenancy · Exportable audit trail · Observability · SSO · LGPD and BCB regulation by design.
Identity
Events
Audit
BCB compliance
LGPD
How it is contracted
A predictable model to start, operate and grow.
The recurring contract has three components: a paid initial engagement to define scope and gates; an annual subscription to the platform and enabled modules; and a component proportional to processed volume. Infrastructure starts with an economic decision and grows with the operation.
Value-to-Scale™ implementation
Scope, gates and integration defined during framing.
Annual subscription
Platform and enabled modules under a recurring contract.
Processed volume
The annual commitment includes a volume allowance; excess volume is compensated per operation. Values are defined during framing, based on modules, volumes and integration scope.
FAQ
Direct questions
01Why Mobiup instead of a large consultancy?
Consultancies deliver recommendations and projects. Mobiup delivers operating infrastructure: a platform contract, production modules and auditable evidence. The method exists to frame the decision; the platform exists to stay.
02Why not a payment provider?
Providers operate one rail. Mobiup Infra is the layer that orchestrates the rails — Pix, cards, regulatory layouts and blockchain-based assets — with settlement, reconciliation and proof on the same audit trail.
03Why not build it internally?
Ledger, reconciliation and liability governance are critical capabilities, expensive to maintain and rarely business differentiators. Internal engineering creates more value on what is exclusively yours; the undifferentiated comes from the catalog, tested and auditable — with portability defined by contract.
MOBIUP ADVISOR
A governed agent built on the same discipline we provide.
Mobiup Advisor organizes context, identifies where value is trapped and prepares the first framing before a conversation with the team.