Brazil has one of the world’s most developed real-time payment markets. Pix is now a core part of the country’s payment infrastructure.

But cross-border payments are becoming more complex. Businesses need to move between local currencies, global settlement networks and, increasingly, digital assets.

For local payment providers, that creates a new infrastructure challenge: how to support digital asset use cases without disrupting the payment and compliance systems already underpinning their businesses.

The partnership between Adopay, a licensed financial technology platform focused on emerging markets, and Cregis, an enterprise digital asset infrastructure provider, is built around this challenge. With Brazil as its core market, Adopay provides local payment and financial infrastructure, while Cregis provides the digital asset infrastructure connecting those capabilities to blockchain networks.

Together, they connect Brazil’s domestic payment infrastructure with global digital asset networks.

Combining Local Payment Infrastructure with Digital Assets

Adopay provides financial infrastructure for businesses operating at scale in Brazil. Its platform is built around digital accounts and Pix, serving businesses including e-commerce companies, marketplaces, SaaS providers and other digital platforms.

As a licensed payment institution (Instituição de Pagamento, or IP), Adopay operates within Brazil’s regulated payments framework and brings local payment infrastructure and market expertise to the partnership. This includes the ability to support BRL flows and the operational requirements of Brazil’s financial ecosystem.

It also operates on a significant scale, processing more than BRL 300 billion in annual transaction volume and supporting more than 20 million transactions per day.

Cregis complements that foundation with infrastructure for digital asset operations, including enterprise wallets, blockchain transactions and payment and settlement workflows.

Rather than replacing Adopay’s existing systems, Cregis adds the digital asset infrastructure needed to connect local payment flows with blockchain-based settlement. For payment providers, this offers a way to expand into digital assets without building an entire blockchain stack in-house.

Compliance Is Part of the Infrastructure

For payment providers, technology is only one part of the equation. Local regulatory requirements and compliance capabilities are equally important when payment flows cross between domestic financial systems and digital assets.

Adopay operates as a licensed payment institution under Brazil’s payments framework and has built its business around local payment infrastructure and established compliance processes, including customer identification and anti-money-laundering controls. Its understanding of Brazil’s regulatory environment is therefore a core part of what it brings to the partnership.

This local foundation also matters for Cregis as it expands its digital asset infrastructure into new payment markets. Working with an established local payment institution provides a direct connection to Brazil’s regulated payments ecosystem, rather than treating local compliance as a separate layer around the technology.

The partnership therefore brings together two sides of the infrastructure equation: Adopay’s regulated local access and payment capabilities, and Cregis’s infrastructure for managing and moving digital assets across blockchain networks.

In this model, compliance is part of the operating infrastructure itself. The local payment and regulatory foundation remains in place, while digital asset infrastructure is added on top to support new payment and settlement flows.

A Model That Extends Beyond Brazil

Adopay’s role also reflects a broader positioning beyond Brazil. The company is focused on emerging markets, with Brazil as its core market and capabilities spanning local payments, cross-border clearing and settlement, and compliant connections between fiat and digital assets.

The Adopay-Cregis partnership is rooted in Brazil, but the model is not limited to one market.

Across emerging markets, payment providers already have local payment rails, regulatory expertise and established customer relationships. The challenge is extending those capabilities to support digital assets and global settlement.

Specialized infrastructure providers can fill that gap. Instead of replacing local financial infrastructure, digital asset infrastructure can sit alongside it — connecting existing payment systems to new settlement and payment rails.

For Cregis, this creates a broader role: providing the infrastructure that allows established payment providers to expand into digital asset use cases without rebuilding their core stack.

As digital assets become more relevant to cross-border payments, the Adopay-Cregis partnership offers a practical example of how local payment infrastructure can connect with global digital asset networks — bringing together local regulatory and payment capabilities with digital asset infrastructure in a model that can extend across emerging markets.

About Adopay

Adopay is a Brazil-centric fintech platform offering digital accounts, Pix payment and collection, corporate treasury management, and cross-border clearing and settlement, while steadily expanding compliant connections between fiat currencies and digital assets.

Adopay serves payment service providers, ISVs, e-commerce platforms, SaaS companies, and Web3 businesses, supporting local payments and cross-border fund flows through its API-driven platform and operational services.

About Cregis

Founded in 2017 and headquartered in Hong Kong, Cregis is an enterprise digital asset infrastructure platform.

Over the past nine years, Cregis has served more than 4,000 businesses across 50+ countries and regions, including crypto exchanges, fintech companies, payment providers, digital banks, brokers, and Web3 businesses.

Cregis provides a three-layer infrastructure stack spanning Wallet Infrastructure, Fund Flow Orchestration, and Custody Capabilities, enabling enterprises to manage the full lifecycle of digital assets, from asset control and fund operations to governance and compliance.

Its core products, Wallet-as-a-Service (WaaS) and Payment Engine, are widely used across enterprise digital asset use cases. As demand for digital asset infrastructure continues to expand globally, Cregis remains focused on helping businesses operate digital assets with greater control, lower operational complexity, and stronger compliance readiness.

Now is the time to turn digital asset capabilities into production-ready operations. Cregis provides the infrastructure to help businesses integrate payments securely and efficiently. Let’s talk about how we can support your next phase of growth.