Credit Rights Investment Funds (FIDC) undergo a profound change with the adoption of tokenization.
There are different types of investment fund. Many of them, because they allow affordable contributions, attract the attention of several investors – including beginners. On the other hand, there are more complex possibilities, aimed at experienced investors, such as the Credit Rights Investment Fund (FIDC), focused on credit rights.
They represent funds held by one or several companies. When they are acquired, they become the company’s creditors, exercising all their rights, such as accompanying guarantees and demanding payments in interest rates. Within this more qualified universe of investments, we see the arrival of tokenization as a promise to revolutionize the segment. It continues to transform the financial market and, now, it is the traditional models that need to adapt to fit this new reality.
Current management systems no longer please investors, whether due to excessive regulation of the banking niche, the high costs imposed or the growth of cyber attacks, which put trust in the security architectures of custodians in check.
To transform this reality, outsourcing management has become a segment of vital importance in the global financial market, as it accounts for a large part of the movement of assets in economies. It is estimated to reach nearly $150 trillion in business by 2025.
Tokenizing assets and rights is a reality in several market sectors, such as real estate, agribusiness and even football clubs. In this sense, trading shares of tokenized credit funds is a natural evolution, which makes financial products increasingly transparent, agile and secure, as the market no longer has doubts about the impacts of disruptive technologies.
In the current model, fund data is concentrated on a server at the financial institution and dependent on its security policies. When using a token, transactions – quota sales, redemptions, remuneration – must be validated by all computers.
The tokenization is hosted on a blockchain, an ecosystem composed of a huge number of computers with high processing capacity. And each maintains an exact copy of the fund’s position. With this, each operation is encrypted and inserted into a data chain with unique identifications. This digital architecture prevents virtual attacks and fraud.
The operation is revolutionary and arrives to carry out faster funding, especially of assets that are not backed by securities regulated by the CVM, as it reduces intermediaries and streamlines activities. It is also an investment without borders, as the crypto market works full time and allows people from all over the world to operate, regardless of time and space.
Today, there are companies specialized in meeting these demands and supporting the large volume of operations of these funds through innovative platforms, which guarantee precise responses in the governance of activities. The tokenization of receivables funds brings an important transformation to the product, both for those offering and for those wishing to buy FIDC quota tokens, increasing its attractiveness.
The market is transformed by new ways of carrying out investments and business, walking more and more alongside modernity. Evolution is certain, so those who adapt to new possibilities will come out ahead of the competition!
Source: Bitcoin Portal