{"id":36683,"date":"2026-04-27T04:34:02","date_gmt":"2026-04-27T04:34:02","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=36683"},"modified":"2026-04-27T04:34:02","modified_gmt":"2026-04-27T04:34:02","slug":"eu-regulators-designate-19-critical-ict-providers-under-dora-2","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/pt\/eu-regulators-designate-19-critical-ict-providers-under-dora-2\/","title":{"rendered":"DORA 2025: Regulamenta\u00e7\u00e3o UE, supervis\u00e3o TIC, riscos cripto e MiCA"},"content":{"rendered":"<h2>Resumo Executivo<\/h2>\n<div><\/div>\n<div>No relat\u00f3rio conjunto do Comit\u00ea de 2025, os reguladores da UE confirmaram a ativa\u00e7\u00e3o total do <strong>DORA<\/strong> em 17 de janeiro de 2025. As Autoridades Europeias de Supervis\u00e3o (ESAs) migraram da formula\u00e7\u00e3o de pol\u00edticas para a fiscaliza\u00e7\u00e3o ativa, designando 19 provedores terceirizados cr\u00edticos de TIC para supervis\u00e3o direta. Ao mesmo tempo, as autoridades alertaram que a volatilidade geopol\u00edtica e a <strong>digitaliza\u00e7\u00e3o acelerada<\/strong> exigem uma pol\u00edtica de toler\u00e2ncia zero contra fraudes de ativos criptogr\u00e1ficos e golpes impulsionados por intelig\u00eancia artificial.<\/div>\n<div>\n<h2 data-path-to-node=\"6\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-36628\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-66-1.webp\" alt=\"\" width=\"1600\" height=\"896\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-66-1.webp 1600w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-66-1-300x168.webp 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-66-1-1024x573.webp 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-66-1-768x430.webp 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-66-1-1536x860.webp 1536w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-66-1-400x224.webp 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-66-1-800x448.webp 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-66-1-832x466.webp 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-66-1-1248x699.webp 1248w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/h2>\n<\/div>\n<h2>DORA: o fim das <a href=\"https:\/\/buvei.com\/blog\/fix-fraud-declines-in-freshbooks-with-virtual-cards\/\">lacunas de infraestrutura<\/a><\/h2>\n<div><\/div>\n<div>A entrada em vigor da Lei de Resili\u00eancia Operacional Digital (DORA) no in\u00edcio de 2025 transformou radicalmente a gest\u00e3o tecnol\u00f3gica das institui\u00e7\u00f5es financeiras da Uni\u00e3o Europeia.<\/div>\n<div><\/div>\n<h3>Supervis\u00e3o de provedores cr\u00edticos<\/h3>\n<div><\/div>\n<div>Entre abril e novembro de 2025, as ESAs classificaram 19 provedores de TIC \u2014 entre eles grandes empresas de nuvem e an\u00e1lise de dados \u2014 como entidades cr\u00edticas. Essas organiza\u00e7\u00f5es passaram \u00e0 supervis\u00e3o direta da Autoridade Banc\u00e1ria Europeia (EBA).<\/div>\n<div><\/div>\n<h3>Compartilhamento de informa\u00e7\u00f5es CITE<\/h3>\n<div><\/div>\n<div>A plataforma de Troca de Intelig\u00eancia de Amea\u00e7as e Compartilhamento de Incidentes Cibern\u00e9ticos (CITE) permite que empresas da UE compartilhem dados em tempo real sobre riscos cibern\u00e9ticos, criando uma <strong>barreira coletiva<\/strong> contra falhas sist\u00eamicas de tecnologia da informa\u00e7\u00e3o.<\/div>\n<div><\/div>\n<h3>Conformidade obrigat\u00f3ria para corretoras<\/h3>\n<div><\/div>\n<div>Para corretoras de varejo, o DORA estabelece a verifica\u00e7\u00e3o rigorosa de todos os componentes de software da infraestrutura. A falta de manuten\u00e7\u00e3o segura e cont\u00ednua de ferramentas open-source ou de terceiros configura viola\u00e7\u00e3o regulat\u00f3ria direta.<\/div>\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>Riscos criptogr\u00e1ficos e<a href=\"https:\/\/buvei.com\/blog\/pay360-2026-london-global-payments-event\/\"> prote\u00e7\u00e3o do consumidor<\/a><\/h2>\n<div><\/div>\n<div>Mesmo ap\u00f3s a implementa\u00e7\u00e3o do MiCA (Regulamento de Mercados de Ativos Criptogr\u00e1ficos), os \u00f3rg\u00e3os regulat\u00f3rios europeus mant\u00eam cautela elevada em rela\u00e7\u00e3o ao mercado varejista de ativos digitais.<\/div>\n<div><\/div>\n<ul>\n<li>Prote\u00e7\u00e3o jur\u00eddica limitada: As ESAs refor\u00e7aram que, conforme o tipo de ativo, muitos investidores de criptomoedas contam com <strong>pouca cobertura legal<\/strong> em caso de fal\u00eancia ou instabilidade de plataformas.<\/li>\n<li>Ofensiva antifraude: O relat\u00f3rio registrou o crescimento exponencial de golpes por IA e fraudes cripto. Em 2025, foram aplicadas 12 san\u00e7\u00f5es administrativas na B\u00e9lgica, Dinamarca, Hungria e Pol\u00f4nia por descumprimento de regras PRIIPs e falhas na prote\u00e7\u00e3o ao consumidor.<\/li>\n<li>Repress\u00e3o a influenciadores financeiros: Em parceria com 16 reguladores internacionais, foram removidas mais de 1.267 publicidades ilegais, que atingiram cerca de 2,3 milh\u00f5es de usu\u00e1rios na UE e no Reino Unido.<\/li>\n<\/ul>\n<div><\/div>\n<h2>Simplifica\u00e7\u00e3o regulat\u00f3ria sem concess\u00f5es<\/h2>\n<div><\/div>\n<div>Um dos eixos centrais do relat\u00f3rio de 2025 \u00e9 a iniciativa da Comiss\u00e3o Europeia para simplificar a declara\u00e7\u00e3o financeira, garantindo que a flexibiliza\u00e7\u00e3o n\u00e3o fragilize o sistema de supervis\u00e3o.<\/div>\n<div><\/div>\n<h3>Documentos KID e regulamenta\u00e7\u00e3o PRIIPs<\/h3>\n<div><\/div>\n<div>Seguem os trabalhos de reformula\u00e7\u00e3o do Documento de Informa\u00e7\u00f5es Chave (KID), com objetivo de tornar a divulga\u00e7\u00e3o de riscos mais acess\u00edvel ao investidor varejista, sem excluir dados essenciais.<\/div>\n<div><\/div>\n<h3>Ajustes na SFDR<\/h3>\n<div><\/div>\n<div>Para reduzir a carga burocr\u00e1tica de relat\u00f3rios, as ESAs reduziram a prioridade de um relat\u00f3rio anual obrigat\u00f3rio da Regulamenta\u00e7\u00e3o de Divulga\u00e7\u00e3o Financeira Sustent\u00e1vel (SFDR), buscando um modelo <strong>proporcional e prospectivo<\/strong>.<\/div>\n<div>\n<h2 data-path-to-node=\"18\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-36629\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-67-1.webp\" alt=\"\" width=\"1600\" height=\"896\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-67-1.webp 1600w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-67-1-300x168.webp 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-67-1-1024x573.webp 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-67-1-768x430.webp 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-67-1-1536x860.webp 1536w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-67-1-400x224.webp 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-67-1-800x448.webp 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-67-1-832x466.webp 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-67-1-1248x699.webp 1248w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/h2>\n<\/div>\n<h2>Contexto global de mercado: volatilidade como novo cen\u00e1rio padr\u00e3o<\/h2>\n<div><\/div>\n<div>As ESAs alertaram que o cen\u00e1rio econ\u00f4mico de 2026 ser\u00e1 marcado por <strong>incertezas geopol\u00edticas e restri\u00e7\u00f5es comerciais<\/strong>.<\/div>\n<div><\/div>\n<div>\n<div>\n<div>\u8868\u683c<\/div>\n<div>\n<div tabindex=\"0\" aria-describedby=\"phx6kqd\"><\/div>\n<div tabindex=\"0\" aria-describedby=\"cwn6fsn\"><\/div>\n<div tabindex=\"0\" aria-describedby=\"a5pv0ij\"><\/div>\n<\/div>\n<\/div>\n<div>\n<div>\n<div>\n<table>\n<thead>\n<tr>\n<th>Fator de Risco<\/th>\n<th>Posicionamento Regulat\u00f3rio<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/buvei.com\/blog\/pay360-2026-london-global-payments-event\/\">Volatilidade de mercado<\/a><\/td>\n<td>Institui\u00e7\u00f5es devem ampliar a resili\u00eancia diante de choques econ\u00f4micos abruptos.<\/td>\n<\/tr>\n<tr>\n<td>Concentra\u00e7\u00e3o de TIC<\/td>\n<td>A depend\u00eancia de poucos provedores cr\u00edticos representa risco sist\u00eamico para o setor financeiro.<\/td>\n<\/tr>\n<tr>\n<td>Finan\u00e7as n\u00e3o banc\u00e1rias<\/td>\n<td>Monitoramento intensificado do sistema banc\u00e1rio paralelo e credores fintech.<\/td>\n<\/tr>\n<tr>\n<td>Dados de supervis\u00e3o<\/td>\n<td>Lan\u00e7amento de novo sistema de interc\u00e2mbio para acompanhar deslocamentos transfronteiri\u00e7os de mercado.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\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","protected":false},"excerpt":{"rendered":"Resumo Executivo No relat\u00f3rio conjunto do Comit\u00ea de 2025, os reguladores da UE confirmaram a ativa\u00e7\u00e3o total do&hellip;","protected":false},"author":6,"featured_media":36629,"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":[6610,5405,5409,625],"class_list":{"0":"post-36683","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payment-basics-pt","8":"tag-instant-card-issuance-pt","9":"tag-online-payment-security-pt","10":"tag-usdt-top-up-pt","11":"tag-virtual-cards-pt","12":"cs-entry"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/36683","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\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/comments?post=36683"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/36683\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/36629"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=36683"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=36683"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=36683"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}