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Adopting the Duplicata Escritural, Brazil’s electronic trade receivables instrument, requires banks, FIDCs, fintechs, and other institutions that operate receivables to review their systems, integrations, and internal processes.
The new model is not limited to replacing physical documents with digital records. It establishes an infrastructure in which the issuance, bookkeeping, registration, negotiation, and other events associated with the Duplicata Escritural are monitored electronically.
This change increases the traceability of the instruments, but it also creates a greater need for integration among ERPs, credit systems, fund platforms, legacy environments, and entities participating in the ecosystem.
Evertec’s Duplicata Escritural solution organizes these flows within an integrated layer, from data reception and validation to monitoring the life cycle of the Duplicata Escritural.
Still have questions about the rules and how the new model works? Read the article Duplicata Escritural: A Complete Guide for Banks and Financial Institutions for information about concepts, regulations, the implementation timeline, and frequently asked questions.
What Changes in Operations with the Duplicata Escritural
The duplicata is an important instrument for credit, advance payment, assignment, and collateral operations. For decades, however, its management has relied on documents, files, and controls distributed among different participants.
Law No. 13,775/2018 established the legal framework for the Duplicata Escritural. Subsequently, BCB Resolution No. 339 established rules for how the ecosystem operates, including the role of the entities responsible for bookkeeping and registering the instruments. The model has also undergone subsequent regulatory updates, such as BCB Resolution No. 540.
For institutions, adapting involves much more than establishing a technical connection. It is necessary to review how data is received, validated, submitted, accessed, and updated throughout the operation.
Fragmented Operations Increase Operational Risk
In many institutions, information about invoices, duplicatas, contracts, and credit operations moves through systems that do not communicate directly with one another.
An ERP may centralize commercial data, while the credit system records the financial transaction. Funds, receivables platforms, back-office teams, and collection departments may operate in other environments, using different rules and formats.
This fragmentation may result in:
- Discrepancies between invoice and duplicata data;
- Rejections when information is submitted;
- The need for manual reprocessing;
- Parallel controls maintained in spreadsheets;
- Difficulty monitoring the status of the instruments;
- Rework across credit, risk, operations, and back-office teams;
- Limited traceability of changes and events.
Under the Duplicata Escritural model, an inconsistency at any stage may affect the issuance, registration, negotiation, or settlement of the duplicata. For this reason, integration quality becomes a central part of regulatory compliance.
Evertec’s Solution: Bookkeeping and Registration of the Duplicata Escritural in a Single Flow
To support institutions in this new environment, Evertec offers a comprehensive Duplicata Escritural solution designed to centralize the journey, with features including drawer/drawee registration, opt-in, schedule inquiries, bookkeeping, registration, transactions, contract extensions, secure operations, dashboard-based traceability, and integrations.
The solution connects the main participants and systems involved in the operation, including:
- ERPs;
- Credit management systems;
- Evertec solutions such as SGR, GRC, and FIDC;
- Authorized registries;
- Internal operations, risk, credit, and back-office environments.
Unlike fragmented approaches, Evertec’s solution organizes the Duplicata Escritural journey within a single flow, reducing disruptions between stages and supporting the institution from data reception through monitoring the life cycle of the Duplicata Escritural.
The result is a more integrated, standardized operation that is prepared to meet the requirements of the new regulatory model.
How Does the Solution Work in Practice?
Evertec’s Duplicata Escritural solution was designed to handle high transaction volumes, with automation and control across the critical stages of the journey.
1. Reception of Invoice and Duplicata Data
The solution receives the data required to begin the bookkeeping process, whether through an API, a file, or integration with the institution’s internal systems.
2. Data Validation Before Submission
Before bookkeeping or registration, the system performs consistency, structure, and requirement validations to reduce errors, inconsistencies, and operational rework.
3. Bookkeeping According to the Required Standard
The solution bridges the institution’s internal data and the formats required for the bookkeeping process, supporting operational standardization and compliance.
4. Registration and Integration with Registries
The platform connects the institution to registries to register duplicatas, access information, monitor schedules, and track the status of the instruments throughout the process.
5. Monitoring the Life Cycle of the Duplicata Escritural
The institution gains greater visibility into the complete journey of the Duplicata Escritural, including issuance, bookkeeping, registration, acknowledgment, settlement, cancellation, or dispute.
This integrated view provides greater control for risk, credit, operations, collections, and back-office teams.
Why Choose Evertec for This Journey?
Adapting to the Duplicata Escritural requires more than a technical connection to registries. It demands an architecture capable of integrating systems, scaling operations, reducing risks, and supporting the institution through a structural change in how it operates receivables.
Evertec’s solution stands out by combining technology, integration, and knowledge of the financial ecosystem within a complete bookkeeping and registration journey.
- Integration with the receivables ecosystem: The solution connects to ERPs, registries, and Evertec systems such as SGR, GRC, and FIDC, facilitating integration with operations that already use the company’s solutions.
- Modular and scalable architecture: The platform was developed to serve institutions with different levels of complexity, transaction volumes, and portfolio structures.
- Complete view of the operation: By monitoring the life cycle of the Duplicata Escritural, the teams involved gain greater visibility, control, and traceability of the instruments.
- Reduced operational risk: Automating critical stages, validating data, and standardizing workflows help reduce inconsistencies, rework, and failures that could compromise the operation.
- Support for regulatory compliance: The solution supports institutions in adapting to the requirements of BCB Resolution No. 339, simplifying operations and reducing the complexity of the new model.
Who Can Use the Duplicata Escritural Solution?
The solution is designed for institutions and companies that need to operate receivables with integration, traceability, and processing capacity at scale.
Banks and Financial Institutions
Banks that use duplicatas in credit, advance payment, or collateral operations need to connect the Duplicata Escritural to their analysis, contracting, formalization, and monitoring processes.
The solution helps integrate these stages with the systems used by the institution.
FIDCs and Receivables Operations
FIDCs depend on consistent information about the instruments that make up their portfolios.
Centralizing data and monitoring events support control over assignments, settlements, cancellations, and other transactions associated with receivables.
Fintechs and Credit Platforms
Fintechs that work with the origination or advance payment of receivables can incorporate Duplicata Escritural workflows into their digital credit contracting and management journeys.
Issuing Companies
Companies that issue large volumes of invoices also need to prepare their data and systems for the Duplicata Escritural model.
Integration with ERPs and billing environments helps structure the submission and validation of the required information.
Evertec Connects the Duplicata Escritural to Your Operations
Adapting to the Duplicata Escritural does not depend solely on connecting to the ecosystem. It requires data, systems, rules, and internal departments to work within a coordinated flow.
Evertec’s solution centralizes the reception and validation of information, connects internal systems to bookkeeping and registration processes, and increases visibility into the life cycle of the instruments.
As a result, banks, FIDCs, fintechs, and issuing companies can reduce manual controls, organize the handling of pending matters, and prepare their operations to process receivables at a greater scale.
Talk to one of our experts and learn how to integrate the Duplicata Escritural into your credit and receivables operations.
