Problem
“VerticalAgent solves the structural inefficiency and opacity of the private credit market in Latin America. While mid-sized developers face prohibitive capital costs (IPCA+ bank spreads) 10% the 12%) and slow bureaucracy, investors suffer from the lack of transparency, outdated risk assessment, and illiquidity of traditional CRIs. Unlike platforms that only passively 'tokenize' assets, we solve the problem end-to-end: we offer active origination of real assets (with an anchored pipeline), real-time credit risk monitoring via our proprietary AI (EXODUS), and native regulatory compliance (compliance-by-design) on the Solana blockchain, reducing the cost of intermediation and increasing investor confidence.”
Solution
“While competitors like ODL, Pencil, and Housd act as passive tokenization 'tubes' or focus solely on secondary liquidity, bRDC is a Full-Stack infrastructure. Our unfair advantage lies in 3 pillars:
Active Origination: We have a pipeline anchored with V3Company (R$ 10Bi in VGV, R$ 4,1Bi-eligible), without depending on third parties.
AI moat: Our proprietary engine (EXODUS) monitors ballast credit risk in real time, predicting default before rating agencies.
Native Compliance: We use Solana Token Extensions (Transfer Hooks, Freeze Authority) to ensure on-chain KYC/AML, meeting CVM and MiCA.
Our architecture and model are under advanced review for a non-refundable grant of R$ 4,8 millions by FINEP. This proves that we have undergone rigorous technical and legal due diligence from the federal government. We're not just an idea; we're a validated institutional project, ready to scale with Solana's speed and security.
Business model
BrDC's business model is B2B2C, acting as an originator and structurator of RWA. Our recipe comes from: (1) Structuring fee of 1,0% the 1,5% about the total volume tokenized at the issue; and (2) Recurring servicing/administration fee of 0,5% a.a. on the outstanding outstanding balance.
The average token ticket is R$ 1.000,00, democratizing access to private credit for qualified investors, with a yield target of IPCA + 6,5% the 8% a.a. and on-chain auditing (PoR).
On the other hand, the average ticket for origination operations (the “baskets”) is R$ 50 Millions a R$ 100 millions per issue. Our pipeline anchored with V3Company already maps R$ 4,1 billions in eligible receivables, allowing for immediate scale.
This structure reduces the developer's capital cost by ~300-400 bps compared to traditional banks, while offering investors a backed, liquid asset with native compliance via Solana Token Extensions.
Market
“The global Real World Assets (RWA) tokenization market is designed to reach US$ 16 Even trillions 2030 (BCG). However, our strategic 'beachhead market' is private credit in Latin America, focusing on Brazil, which drives R$ 1,2 trillion (~US$ 240 bi) annually in securities such as CRI.
This market suffers from structural inefficiency: abusive bank spreads (IPCA +) 10-12%) and opacity in risk assessment. By bringing these assets to Solana - the network that already hosts >US$ 3,7 bi in institutional RWAs — we solved that friction.
Our strategy is to master the origination and tokenization of real estate receivables in Brazil (with an anchored pipeline of R$ 4,1 bi eligible via V3Company). In the medium term, we will scale our compliance protocol (Token Extensions) and risk monitoring via AI to other emerging markets. Capture only 0,5% this regional market represents a structurable volume of ~US$ 1,2 billion/year, validating the global scalability of the BrDC protocol.”
Competitors
1. ODL (On-Demand Liquidity): Secondary liquidity marketplace for Private Credit and receivables on Solana.
Relationship with the BRdC: Complementary, not competing.
2. Pencil Finance (The most direct competitor): Tokenization of debt/credit portfolios in emerging markets, structured in risk tranches for DeFi yields.
Relationship with BrDC: Direct Competitor. Both focus on emerging market credit. We have our advantage
3. House Finance & Establo: House focuses on real estate yield (generally US/Europe, passive). Establo focuses on creating a stablecoin backed by real estate receivables.
Relationship with the BRdC: Indirect Competitors.
4. Skytrade: tokenization of building rights (air rights) on urban properties.
Relationship with BrdC: Niche Competitor. It is a very specific asset with historically low secondary liquidity.
Competitive differentiation
While competitors (Pencil, ODL) act as passive aggregators or focus only on secondary liquidity, bRDC is a Full-Stack origination and risk management infrastructure. Our differential lies in three pillars:
Active Origination: We don't depend on third parties. We have an anchored pipeline of R$ 4,1 BI in real estate receivables (V3Company), ensuring high-quality asset flow.
Risk AI (EXODUS): Unlike static ratings, our AI engine monitors ballast default in real time, proactively protecting the yield.
Compliance-by-Design: We natively use Solana Token Extensions (Transfer Hooks, Freeze Authority) to guarantee KYC/AML and regulatory compliance (CVM/MiCA) directly in the smart contract, making institutional capital feasible.
While others just “tokenize”, we originate, audit via AI, and guarantee the law on a single native Solana layer.
Entry barrier
Our moat (barrier to entry) does not only reside in the smart contract code, but in the vertical integration of four pillars that are difficult to replicate simultaneously by new entrants:
Exclusive Access to Assets (Origination):
Proprietary Data and AI:
Compliance-by-Design Native:
Institutional Validation (Runway and Due Diligence):
Summary: To copy us, a competitor would have to simultaneously secure a billion-dollar pipeline of real assets, train a proprietary credit AI, master the legal engineering of Token Extensions, and undergo government due diligence. We've already done that.
Traction
Yes. Our traction is based on 4 concrete validation pillars:
Anchored Real Asset Pipeline: We have an active Memorandum of Understanding (MoU) with the developer V3Company, ensuring a documented pipeline of ~R$ 4,1 billions in eligible receivables ready to be structured and tokenized as our “Genesis” product.
Institutional Validation (Due Diligence): Our technical architecture and business model are in an advanced phase of analysis for a non-refundable economic grant of R$ 4,8 millions (~US$ 900k) by FINEP (the Brazilian government's main innovation promotion agency), which attests to the robustness of our due diligence.
Developed Technology: The proprietary AI engine for credit risk monitoring (EXODUS, with 466k parameters) has already been coded and validated in backtests, waiting only for integration with smart contracts in Solana.
team 100% Allocated: Complete and running C-Level Team (CEO, CTO, Head of P&D/Compliance