Next-Generation
PIX Infrastructure
Cloud-Native | BACEN Compliant | Built to Scale
1,500
Sustained TPS
99.9%
Uptime SLA
<200ms
P95 Latency
71
BACEN Messages
The PIX Opportunity
PIX has become Brazil's dominant payment method
R$ 17T+
Annual PIX Volume
45B+
Transactions/Year
150M+
Active Users
40%
Annual Growth
🏦
Banks Need Infrastructure
800+ financial institutions require modern, scalable PIX solutions
🚀
Fintechs Expanding
1,200+ fintechs seeking white-label solutions to connect to PIX
⚠️
Legacy Can't Keep Up
15+ year old systems can't handle current volume and requirements
The Problem We Solve
❌ Legacy Systems
- Built 15+ years ago in .NET/Windows
- Expensive to maintain and scale
- Deploys take months, not days
- Struggle with BACEN requirements
- Maximum ~400 TPS
✓ DICTRA Solution
- Cloud-native in Go + Kubernetes
- Managed cloud infrastructure
- Deploy in days, continuous updates
- 100% BACEN compliance built-in
- 1,500 TPS sustained (3,000 burst)
Technical Architecture
Cloud-native microservices ready for enterprise scale
📱 Portals
Admin Portal (84 pages)
User Portal (25 pages)
API Documentation (150 endpoints)
⚙️ Microservices
Auth Service
DICT Service (PIX Keys)
SPI Service (Payments)
Settlement Service
BACEN Gateway (mTLS)
BACEN Simulator (71 msgs)
🗄️ Infrastructure
GKE (Kubernetes)
Cloud SQL (PostgreSQL)
Redis Cluster
NATS JetStream
Kong Gateway
Proven Performance
1,500
Sustained TPS
25M
Transactions/Day
<200ms
P95 Latency
99.9%
Uptime SLA
5 years
BACEN Retention
71
Message Types
27+44
SPI + DICT Endpoints
100%
MED 2.0 Compliance
Why We Win
| Feature | DICTRA | Competitor A | Competitor B |
|---|---|---|---|
| Setup Fee | R$ 30,870 | R$ 30,870 | Included |
| Monthly Base | R$ 90,000 | ~R$ 144,000 | R$ 120,000 |
| Per Transaction (>5M) | R$ 0.0015 | R$ 0.00252 | R$ 0.012 |
| Cost @ 750M tx/mo | R$ 1.22M | R$ 2.02M | R$ 9.05M |
| Maximum TPS | 1,500 | ~400 | ~600 |
| Setup Time | 4-6 weeks | 4-6 months | 3-4 months |
| BACEN Simulator | ✓ Included (71 msgs) | ✗ | ✗ |
30-40% cheaper than Competitor A | 87% cheaper than Competitor B
Pricing Model
Pricing that scales with your business
Setup Fee
R$ 30,870
One-time payment
Complete setup
Complete setup
Monthly Fee
R$ 90,000
Monthly recurring
Support included
Support included
Per Transaction
R$ 0.0015
After 5M transactions
40% below market
40% below market
| Monthly Volume | Rate/Transaction | DICTRA Total Cost | vs Competitor A |
|---|---|---|---|
| 50 million | R$ 0.0018 | R$ 180,000 | 30% lower |
| 200 million | R$ 0.0016 | R$ 410,000 | 35% lower |
| 750 million | R$ 0.0015 | R$ 1,215,000 | 40% lower |
Infrastructure Costs
25 million transactions/day + 5-year BACEN retention
R$ 100K
Monthly Infra Cost
Complete GCP for 750M tx/mo
GKE Cluster (12 nodes)
R$ 45K
Cloud SQL (HA)
R$ 28K
Redis + NATS
R$ 12K
Network + Monitoring
R$ 15K
35 TB
5-Year Storage
R$ 7.5M
5-Year TCO
91%
Gross Margin
Unit Economics
Margins that grow with volume
78%
100M tx
85%
200M tx
88%
400M tx
91%
750M tx
R$ 1.22M
Revenue/Month (750M tx)
R$ 14.6M
ARR per Client
R$ 13.3M
Annual Gross Profit
Current Status
✓
Core Platform
6 services live
Production ready
Production ready
✓
BACEN Compliance
71 messages
MED 2.0 complete
MED 2.0 complete
✓
Simulator
Test environment
No BACEN sandbox
No BACEN sandbox
→
First Client
Final negotiation
BACEN certification
BACEN certification
100%
Platform Complete
6
Microservices
84
Admin Pages
71
BACEN Messages
2026 Roadmap
Q1
First Client
BACEN certification
Production go-live
Production go-live
Q2
Expansion
+3 clients
Optimizations
Optimizations
Q3
Scale-up
+5 clients
Advanced features
Advanced features
Q4
Consolidation
10+ clients
R$ 50M+ ARR
R$ 50M+ ARR
10+
Year 1 Client Target
R$ 50M+
ARR Target
LATAM
2027 Expansion
91%
Gross Margin
Let's Talk
Building the future of instant payment infrastructure
📧 contact@dictra.com.br
🌐 dictra.com.br
📍 São Paulo, Brazil
1,500 TPS | 40% Cheaper | 100% BACEN