Bank as a Service, white-label
Digital payment accounts, cards, billing and settlement issued under the client’s brand. Multi-bank connectivity with custody and issuance at partner institutions authorised by the Brazilian Central Bank.
High-complexity software engineering
Technology for your business’s most critical systems.
Since 2019 we have designed, built and maintained payment platforms, financial infrastructure and high-complexity software for companies in any sector. It is the same engineering running today in Brazil’s largest state lottery operations, where going down is not an option.
2019Founded as a Payment Institution
20+ yearsOf technical leadership by the founders in critical systems
Market credibilityBacked by Banco BMG and accelerated in innovation programmes with B3, Banco Safra, Sinqia and RTM
Two pillars, independent squads
One engineering team, two lines of business
Each vertical runs with a dedicated squad and its own backlog, so no client competes with another for priority.
Pillar 01
Financial Infrastructure & Payments
A modular, fully white-label and industry-agnostic platform. Digital accounts, multi-bank Pix routing, payment split and reconciliation, under the client’s own brand, for retail, franchises, marketplaces, education and service platforms.
See solutions Pillar 02Lottery & Gaming Technology
A specialised vertical with over twenty years of know-how in draw systems, live broadcast, point-of-sale terminals and integration with the legacy transactional cores of state concessionaires and large operators.
See solutions
Pillar 01 · Financial ecosystem
Financial infrastructure & payments
A neutral, industry-agnostic B2B2X position. We do not compete for our partners’ clients: we build the layer that makes their operation work.
Pix Multibank Routing Hub
A Pix routing gateway with automatic failover between financial and payment institutions. If a partner bank wavers, settlement shifts in milliseconds, with no single point of failure.
Payment split & collection agent
Automated apportionment for point-of-sale networks, affiliates and third parties, structured under a commercial mandate: zero overnight custody, with batched consolidated transfers and cost linear to the number of recipients.
Treasury and reconciliation for physical networks
Control of cash register opening, cash drops and closing for company-owned store networks, with automatic financial matching and no accounting discrepancies in the daily close.
In-house Pix sandbox
An emulated financial transaction environment built in-house for end-to-end testing in staging. It fills the gap left by the lack of native sandboxes at large banks and shortens the integration cycle.
Observability and assisted operation
Real-time monitoring and reconciliation of transaction flows, with support and assisted operation across the whole ecosystem, catching failures before they reach the operation.
Pillar 02 · Specialised vertical
Lottery & Gaming Technology
High-complexity software for state lottery concessionaires and large operators. Our team has worked in the sector for more than two decades, including years providing technology for the Rio de Janeiro state lottery, and today serves the Minas Gerais and São Paulo operations.
Draw and broadcast systems (TV Studio)
A complete application for managing and orchestrating prize rules, with draw auditing and direct generation of the audiovisual feed, ready for live broadcast on open television and digital channels.
Conversational sales channels
Native transactional journeys built on WhatsApp Flows: ticket selection, instant Pix checkout and digital receipts without leaving the app. The architecture was designed to contain per-message cost and maximise conversion.
Self-service terminals and POS
Dedicated Android applications for kiosks and handheld terminals, connecting the physical point of sale directly to lottery transaction engines, with paperless operation and digital receipts over messaging.
Mission-critical integration and service buses
Middleware layers that encapsulate proprietary low-latency protocols and expose modern APIs to third parties, connecting international legacy platforms to the digital ecosystem without rewriting them.
Player apps and portals
Bespoke mobile and web applications for operators: balance management, bet history, prize checking and real-time notifications, under the sector’s compliance requirements.
Our standards
Why QGX
Built by engineers formed in environments where latency, accuracy and stability are not negotiable.
01
High availability by design
Architectures tolerant to bank-side failures, with redundancy drawn into the first diagram, not bolted on later.
02
Neutrality and white-label
We operate under the client’s brand and do not compete in our partners’ market. The technology is ours; the commercial relationship is theirs.
03
Regulatory rigour
Systems compliant with Brazilian Central Bank rules, the LGPD and audit standards, with end-to-end traceability for every transaction.
04
Dedicated squads
Independent structures per vertical, with the option of fast-track allocation when a project requires execution in parallel to the backlog.
Institutional track record
Proven experience in highly regulated environments
QGX was founded in 2019 by partners with more than two decades of technical leadership in institutional financial markets, across XP Investimentos, BTG Pactual, Americas Trading Group, M4U/Cielo and Petrobras, and in the Brazilian lottery market.
In 2021 the company was accelerated by Darwin Startups, which meant being selected by the programme’s backing institutions: B3, Banco Safra, Sinqia and RTM. The following year it received investment from Banco BMG, endorsing its governance, the maturity of its platform and its regulatory compliance within the Brazilian financial system.
Since then QGX has built a track record of certification and direct integration with banking and payment institutions, and has been contracted by the operators of Brazil’s largest state lotteries.
Founders: Raphael Oliveira (CEO) · Mauro Silvares (COO) · Arthur Stockler (CTO)
Timeline
- 2019QGX is founded as a Payment Institution.
- 2020Launch of the white-label BaaS platform.
- 2021Accelerated by Darwin Startups, selected by its backing institutions B3, Banco Safra, Sinqia and RTM.
- 2022Banco BMG invests in the company.
- 2024Contracted by the operator of the Minas Gerais state lottery.
- 2026Contracted by the winning bidder for the São Paulo state lottery.
Ecosystem
Who invests in and validates QGX
Institutions that have invested in the company or selected it for their innovation programmes.
Banco BMGB3Banco SafraSinqiaRTMDarwin Startups
Contact
Let’s talk about your operation
Speak directly with the technical leaders who design and deliver the solutions, with no commercial layers in between.
Emailcontato@qgx.digital
Phone, Mon to Fri, 9am to 6pm(11) 2844-8525
LinkedIn/company/qgxdigital
OfficeAv. Pres. Juscelino Kubitschek, 2041, suite 1002
Vila Nova Conceição, São Paulo, Brazil
Vila Nova Conceição, São Paulo, Brazil