{"id":34088,"date":"2026-03-25T08:35:00","date_gmt":"2026-03-25T08:35:00","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=34088"},"modified":"2026-03-25T08:35:00","modified_gmt":"2026-03-25T08:35:00","slug":"unlocking-faster-payments-in-america-2","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/pt\/unlocking-faster-payments-in-america-2\/","title":{"rendered":"Moderniza\u00e7\u00e3o de Pagamentos nos EUA e Payment Bank Charter"},"content":{"rendered":"<h2>Introdu\u00e7\u00e3o<\/h2>\n<div><\/div>\n<div>A regulamenta\u00e7\u00e3o financeira dos Estados Unidos entra em nova fase, com debates sobre open banking e legisla\u00e7\u00e3o cripto. No centro est\u00e1 a <strong>moderniza\u00e7\u00e3o dos pagamentos norte-americanos<\/strong>, com destaque para a proposta de <em>payment bank charter<\/em> \u2014 estrutura que permite empresas de pagamento acessar diretamente a infraestrutura financeira central.<\/div>\n<div><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-34069\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-1.webp\" alt=\"\" width=\"1600\" height=\"896\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-1.webp 1600w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-1-300x168.webp 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-1-1024x573.webp 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-1-768x430.webp 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-1-1536x860.webp 1536w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-1-400x224.webp 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-1-800x448.webp 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-1-832x466.webp 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-1-1248x699.webp 1248w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/div>\n<h2>Por que o sistema de <a href=\"https:\/\/buvei.com\/blog\/us-bank-embedded-payments-fbo\/\">pagamentos dos EUA precisa<\/a> modernizar<\/h2>\n<div><\/div>\n<div>Apesar da lideran\u00e7a global, o sistema depende fortemente de infraestrutura antiga.<\/div>\n<div><\/div>\n<div>Limita\u00e7\u00f5es atuais:<\/div>\n<div><\/div>\n<ul>\n<li>Transa\u00e7\u00f5es demoram de 1 a 3 dias \u00fateis para liquida\u00e7\u00e3o<\/li>\n<li>Altos custos por opera\u00e7\u00e3o<\/li>\n<li>Baixa transpar\u00eancia nos prazos de processamento<\/li>\n<\/ul>\n<div><\/div>\n<div>Depend\u00eancia de intermedi\u00e1rios:<\/p>\n<div><\/div>\n<p>Empresas de pagamento digitais precisam se associar a bancos tradicionais, causando atrasos, taxas extras e complexidade operacional.<\/p><\/div>\n<div><\/div>\n<h2>O que \u00e9 um Payment Bank Charter<\/h2>\n<div><\/div>\n<div>\u00c9 um modelo regulat\u00f3rio proposto que permite empresas financeiras n\u00e3o banc\u00e1rias acessar sistemas de pagamento diretamente, sem se tornarem bancos completos.<\/div>\n<div><\/div>\n<div>Caracter\u00edsticas principais:<\/div>\n<div><\/div>\n<ul>\n<li>Acesso direto \u00e0s vias de pagamento centrais<\/li>\n<li>Capacidade de processar e movimentar valores<\/li>\n<li>Restri\u00e7\u00f5es em atividades de empr\u00e9stimo<\/li>\n<\/ul>\n<div><\/div>\n<div>Benef\u00edcios: reduz depend\u00eancia de bancos intermedi\u00e1rios, diminui custos, acelera transa\u00e7\u00f5es e aumenta a concorr\u00eancia.<\/div>\n<div><\/div>\n<h2>Como funcionam os sistemas de pagamento atuais<\/h2>\n<div><\/div>\n<ol>\n<li>Cliente inicia o pagamento por plataforma digital<\/li>\n<li>Processador roteia a opera\u00e7\u00e3o por meio de um banco parceiro<\/li>\n<li>Banco aplica seus pr\u00f3prios prazos, an\u00e1lises de risco e per\u00edodos de reten\u00e7\u00e3o<\/li>\n<li>Liquida\u00e7\u00e3o ocorre, muitas vezes com atrasos<\/li>\n<\/ol>\n<div><\/div>\n<div>Resultado: processos demorados e custos adicionais.<\/div>\n<div><\/div>\n<h2>Papel do ACH e sistemas de pagamento instant\u00e2neo<\/h2>\n<div><\/div>\n<ul>\n<li><strong>ACH<\/strong>: processamento em lotes, liquida\u00e7\u00e3o em 1\u20133 dias, taxas extras para mesmo dia<\/li>\n<li><strong>FedNow<\/strong>: pensado para tempo real, mas com ado\u00e7\u00e3o limitada e regras variadas por banco<\/li>\n<\/ul>\n<div><\/div>\n<div>Mesmo com sistemas r\u00e1pidos, incentivos e ado\u00e7\u00e3o ainda s\u00e3o insuficientes.<\/div>\n<div><\/div>\n<h2>Por que bancos demoram a adotar pagamentos mais r\u00e1pidos<\/h2>\n<div><\/div>\n<ul>\n<li>Receita com taxas e juros durante per\u00edodos de reten\u00e7\u00e3o<\/li>\n<li>Sistemas legados n\u00e3o preparados para tempo real<\/li>\n<li>Prioriza\u00e7\u00e3o de controle e estabilidade sobre velocidade<\/li>\n<li>Baixa concorr\u00eancia que reduz press\u00e3o por inova\u00e7\u00e3o<\/li>\n<\/ul>\n<div>\n<h2 data-start=\"1124\" data-end=\"1167\"><a href=\"https:\/\/buvei.com\/?s=blog\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-28870 aligncenter\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4.png\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-832x249.png 832w\" alt=\"\" width=\"1024\" height=\"307\" \/><\/a><\/h2>\n<\/div>\n<h2>Como o <a href=\"https:\/\/buvei.com\/blog\/us-bank-embedded-payments-fbo\/\">Payment Bank Charter<\/a> pode melhorar o sistema<\/h2>\n<div><\/div>\n<ul>\n<li>Acesso direto \u00e0s vias de pagamento<\/li>\n<li>Menos intermedi\u00e1rios no fluxo<\/li>\n<li>Liquida\u00e7\u00e3o quase em tempo real<\/li>\n<li>Custos reduzidos para consumidores e empresas<\/li>\n<li>Maior concorr\u00eancia no ecossistema<\/li>\n<\/ul>\n<div><\/div>\n<h2>Papel dos cart\u00f5es virtuais na infraestrutura moderna<\/h2>\n<div><\/div>\n<div>Enquanto mudan\u00e7as regulat\u00f3rias demoram, empresas j\u00e1 usam cart\u00f5es virtuais para maior efici\u00eancia:<\/div>\n<div><\/div>\n<ul>\n<li>Emiss\u00e3o instant\u00e2nea<\/li>\n<li>Controle de gastos<\/li>\n<li>Compatibilidade global<\/li>\n<li>Menos depend\u00eancia de processos banc\u00e1rios tradicionais<\/li>\n<\/ul>\n<div><\/div>\n<div>Ideal para pagamentos SaaS, gastos publicit\u00e1rios e transa\u00e7\u00f5es transfronteiri\u00e7as.<\/div>\n<div><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-34070\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America.webp\" alt=\"\" width=\"1600\" height=\"896\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America.webp 1600w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-300x168.webp 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-1024x573.webp 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-768x430.webp 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-1536x860.webp 1536w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-400x224.webp 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-800x448.webp 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-832x466.webp 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/03\/Unlocking-Faster-Payments-in-America-1248x699.webp 1248w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/div>\n<h2>Como a Buvei suporta pagamentos r\u00e1pidos e flex\u00edveis<\/h2>\n<div><\/div>\n<ul>\n<li>Suporte a m\u00faltiplos BINs para maior aprova\u00e7\u00e3o global<\/li>\n<li>Alta compatibilidade com plataformas SaaS e redes publicit\u00e1rias<\/li>\n<li>Financiamento via cripto: suporte a USDT (TRC20\/ERC20)<\/li>\n<li>Gest\u00e3o de m\u00faltiplos cart\u00f5es em uma conta<\/li>\n<li>Taxas transparentes alinhadas a padr\u00f5es modernos<\/li>\n<\/ul>\n<div><\/div>\n<h2>Considera\u00e7\u00f5es finais<\/h2>\n<div><\/div>\n<div>A moderniza\u00e7\u00e3o dos pagamentos dos EUA se torna urgente com padr\u00f5es globais. O <em>payment bank charter<\/em> pode desbloquear sistemas mais r\u00e1pidos e baratos. Enquanto pol\u00edticas evoluem, ferramentas como cart\u00f5es virtuais da Buvei resolvem desafios atuais e preparam empresas para o futuro financeiro.<\/div>\n<h2 data-start=\"1124\" data-end=\"1167\"><a href=\"https:\/\/buvei.com\/?s=blog\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-28870 aligncenter\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4.png\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-832x249.png 832w\" alt=\"\" width=\"1024\" height=\"307\" \/><\/a><\/h2>\n","protected":false},"excerpt":{"rendered":"Introdu\u00e7\u00e3o A regulamenta\u00e7\u00e3o financeira dos Estados Unidos entra em nova fase, com debates sobre open banking e legisla\u00e7\u00e3o&hellip;","protected":false},"author":7,"featured_media":34070,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":""},"categories":[27],"tags":[],"class_list":["post-34088","post","type-post","status-publish","format-standard","has-post-thumbnail","category-payment-basics-pt","cs-entry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/34088","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/comments?post=34088"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/34088\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/34070"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=34088"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=34088"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=34088"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}