Episode #155: Tokenized Money and Real World Payments with Caio Barbosa

🙌 Friendly reminder that you can listen to BCR on your favorite podcast platform YouTube | Spotify | Apple PodcastsOla pessoal!This week’s episode is with Lumx co-founder and CEO Caio Barbosa.We discuss Lumx’s transformation from an NFT and Web3 branding studio, to a tokenization shop to providing cross-border stablecoin payments infrastructure for enterprises. Backed by BTG Pactual, Lumx is now one of the most exciting startups operating in B2B crypto adoption in the region.Barbosa's journey began in 2021-22 during the NFT boom, when Lumx was launched to helping enterprises adopt blockchain infrastructure through Web3-as-a-service offerings. However, as market dynamics shifted, the team pivoted its infrastructure to focus on RWA tokenization, before ultimately landing on cross-border payments with stablecoins.The decision to focus on stablecoin payments wasn't arbitrary. As Barbosa explains:"99% of the demand that was coming was to use our infrastructure for payments." Key Market Opportunities in B2B Stablecoin AdoptionWe explore several areas where B2B stablecoin infrastructure is seeing immediate demand and value creation. Treasury Management * Global companies can now maintain unified dollar-based treasuries using stablecoins instead of managing multiple bank accounts across jurisdictions* Enables more efficient capital allocation with on-demand payouts when needed* Potential for yield generation on stablecoin balancesImport/Export Efficiency* Brazil's significant trade relationships with China and Southeast Asia present massive opportunities* Chinese exporters are already comfortable with stablecoin payments* Eliminates traditional banking delays and reduces transaction costsCorporate Cards and Global Accounts* Despite Brazil's robust fintech ecosystem, international corporate card solutions remain underserved* Partnerships like Ramp's recent collaboration with Stripe demonstrate market validation* Addresses growing demand from globally distributed teams and contractorsMerchant Settlement Innovation* E-commerce marketplaces and freelance platforms are adopting stablecoin settlements* Accelerates payment processing from days to minutes* Reduces costs for cross-border marketplace transactionsPayments OSUltimately, Lumx’s focus is on creating a complete "operating system" for global payments that extends beyond basic transactions to include automated reporting, compliance tools, and seamless API integration that enables businesses to use the service without delay. I enjoyed this conversation with Caio and I hope you do as well. You can connect with him on Linkedin. -AWSBrazil Crypto Report is presented byAvenia is the programmable financial infrastructure for Latin America. Connect to local payment rails like PIX, SPEI and CBU — using stablecoins as settlement — and unlock real-time, cross-border payments without banks, FX desks, or SWIFT.Whether you're building a wallet, a crypto card, or a global treasury solution, Avenia gives you the APIs and compliance-ready infrastructure to scale in LatAm. Move money between BRL, USD, MXN and more — fast, transparent, and fully on-chain.https://avenia.io/Recent Episodes Get full access to Brazil Crypto Report at brazilcrypto.substack.com/subscribe