A VERDADE QUE O BANCO ESCONDE SOBRE SEUS INVESTIMENTOS | Market Makers #362

Summary

The episode features the founders of INCO, a Brazilian crowdfunding platform that gives retail investors access to alternative investments like real estate credit and international equity starting from R$500. They discuss how banks poorly serve small investors, the platform's 187% CDI track record with low default, and the challenges of high interest rates and regulatory barriers.

• INCO founders explain how banks disadvantage retail investors by using their deposits for higher-return products.
• The platform offers alternative investments such as real estate credits, CRI/CRA, and international equity (e.g., SpaceX, OpenAI).
• Minimum investment is R$500, with a historical portfolio return of 187% of CDI and only 1.6% default rate.
• High interest rates make fundraising harder for companies but attract investor demand for higher yields.
• The company plans to obtain a DTVM license to expand its product offering and use AI for personalized advice.
• The conversation also covers the negative impact of betting platforms and the Master case on investor confidence.
• INCO raised R$25M in two equity tranches from its own users, now with 12,000 investor-shareholders.
• The founders emphasize using technology to serve the underserved retail mass (53M CPFs) with no conflict of interest.