BC reforça combate a fraudes com novas regras para transferências de ativos virtuais

RegCanary interpretation

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The Central Bank of Brazil has adopted Resolution BCB 584, extending the anti-fraud regime for virtual asset service providers (PSAVs) beyond the framework of Resolution 142/2021. The new rule introduces a mandatory 24-hour preventive retention mechanism for certain outbound transfers—specifically those to foreign PSPs or self-custodied wallets exceeding US$10,000 on a per-transaction or same-day aggregate basis. Firms must also deploy risk-based retention for transactions deemed higher risk under their own governance and monitoring models. For compliance teams, this means upgrading transaction surveillance systems to automatically detect and hold qualifying transfers, enhancing client due diligence processes, and updating internal policies and procedures to reflect the new control expectations. The operational impact is immediate: PSPs need to ensure their infrastructure can execute holds without disrupting legitimate flows, manage customer expectations and communications, and maintain audit trails for regulatory review. Smaller firms may face disproportionate implementation costs, while larger platforms must coordinate changes across multiple jurisdictions. The regulation aligns Brazil's virtual asset market with broader financial fraud prevention initiatives, and RegCanary recommends conducting a gap analysis against Resolution 142/2021 and existing AML/CFT obligations, as well as engaging legal and compliance advisors to confirm applicability to specific business models and custody arrangements.

RegCanary impact assessment

RegCanary impact score: 10/10