Engineering for financial institutions
For more than three decades in the financial ecosystem, MRemittance combines deep domain knowledge, public-cloud architecture and intelligent-agent orchestration to replace critical slices of processes still locked into traditional banking cores.
MRemittance is an engineering and project firm for banks and non-bank financial companies. Headquartered in Brazil with a strong presence in West Africa (Cape Verde), we also deliver in Angola — with the same standards for architecture, security and governance the industry demands.
The founding partner has spent more than four decades in IT, including Brazil’s leading banks — Banco do Brasil, Caixa Econômica Federal, Bradesco, Itaú and Santander, among others. Many initiatives led or co-authored became reference points for the sector.
Several engagements have been recognised as innovative and disruptive in Brazil and internationally. Today we channel that history into a clear proposition: modernise critical paths in your digital ecosystem without sacrificing compliance, auditability or legacy integration.
Engagements typically span architecture assessment, solution design, implementation and production support — always with measurable business outcomes and reduced operational risk.
Domain modelling, integrations, SLAs, security and cloud economics — turning business and regulatory requirements into an executable blueprint.
Transactional systems, APIs, queues, batch jobs and interfaces to financial software vendors — with reviewable code and audit-ready documentation.
Gradual extraction of processes from the core when it makes technical sense — with feature flags, observability and rollback plans.
Papers & analysis
Multi-agent orchestration connected to LLM, OCR, voice and knowledge — white label on the legacy core, secure and in production.
Read paper → SaaS · Cross-borderSaaS platform for banks to offer an international account under their own brand — Brazil hub, FXaaS and global reach.
Read paper → AI · simulationVirtual populations to test products, campaigns and regulation before launch — a digital twin of the market.
Read paper → Brazil · Open FinanceFully digital journey, Open Finance as the base for counter-offers, and AI with synthetic agents to decide before formalisation.
Read paper →Cloud is not an add-on in our work — it is the default. We size workloads, networks, identity, encryption and cost across AWS, Microsoft Azure and Google Cloud Platform, choosing the provider (or multicloud pattern) that best fits your strategy and contractual constraints.
Accounts, organisation, IAM, private networks, controlled internet exposure, secrets and backup policies — a solid base before any “innovation layer”.
Patterns for environments that need audit trails, segregation of duties, encryption in transit and at rest, and monitoring aligned with risk committees.
Technical & architectural specialties
We design and run multi-agent networks that plan, decide and execute end-to-end flows — with enterprise RAG, serverless integration and guardrails for regulated domains such as core banking and microcredit. We operate multicloud: the same agent architecture can run on AWS, Microsoft Azure or Google Cloud, according to each institution’s strategy and constraints.
Autonomous agent networks coordinated by orchestration frameworks (e.g. Amazon Bedrock AgentCore, Microsoft Azure AI Foundry and Google Vertex AI Agent Builder) to plan, decide and execute complex end-to-end work — with portable tool contracts (MCP) across clouds.
Agents connected to living knowledge bases and vector stores in the cloud — precise retrieval with a zero-hallucination focus.
AI architectures for highly regulated environments — controlled replacement of core banking and microcredit flows.
Custom tools via serverless functions and hardened APIs (AWS Lambda, Azure Functions, Google Cloud Functions) so agents can act safely on relational databases, ERPs and CRMs — with explicit identity and permissions on each cloud.
LGPD and financial-compliance barriers, human-in-the-loop approvals and token-cost control — full audit of each agent decision.
Amazon Bedrock, Microsoft Azure AI Foundry and Google Vertex AI — with cloud-native practices to scale securely and with predictable infrastructure cost, on the provider (or mix) the institution chooses.
Financial systems leave no room for error. Resilience by design and a complete trail over every decision process.
Serverless stacks and agent platforms across AWS, Azure and GCP — scalability, security and cost aligned to the institution’s cloud strategy.
Credit, reconciliation and operational journeys become coordinated flows agents execute with human oversight.
We serve financial institutions and non-bank players in the three markets below, with awareness of each regulator’s and operating context.
Brazil — headquarters and largest project footprint
Cape Verde — West Africa subsidiary
Angola — growing delivery and partnerships
