Is crowdfunding safe in Brazil?

Yes, as long as it is conducted by platforms authorized by the CVM under Resolution CVM No. 88/2022 (RCVM 88). These platforms, such as Alba Invest, are regulated and supervised, ensuring transparency and investor protection.

What is the difference between crowdfunding and PEIP?

PEIP (Electronic Participatory Investment Platform) is the technical name given by the CVM to regulated crowdfunding platforms in Brazil. Every PEIP is a crowdfunding platform, but not all crowdfunding is done through a CVM-authorized PEIP.

Financial Education

What is Crowdfunding? — Complete Guide

Q: What is crowdfunding?

Crowdfunding, or collective investment, is a fundraising modality where multiple investors contribute amounts to finance projects, companies or ideas. In Brazil, regulated crowdfunding is conducted through Electronic Participatory Investment Platforms (PEIP).

Discover how collective investment works in Brazil, CVM regulation, and how you can start investing safely in real projects.

Definition of Crowdfunding

Crowdfunding, also known as collective investment, is a fundraising modality where multiple investors contribute amounts — often accessible — to finance projects, growing companies or innovative ideas.

The term crowdfunding comes from the English crowd (multitude) + funding (financing). Instead of depending on a single investor or financial institution, companies and entrepreneurs obtain capital from hundreds or thousands of people, democratizing access to the capital market.

Crowdfunding in Brazil: CVM Regulation

In Brazil, investment crowdfunding is regulated by the Securities and Exchange Commission (CVM) through CVM Resolution No. 88/2022 (also known as RCVM 88). This regulation establishes the rules for the operation of Electronic Participatory Investment Platforms (PEIP).

RCVM 88 defines important criteria such as:

Fundraising limit of up to BRL 15 million per offering
Maximum period of 180 days for fundraising
Need to reach at least 2/3 of the goal for the offering to be considered successful
Requirement of due diligence on issuing companies
Use of segregated account to protect investor funds

Types of Crowdfunding at Alba Invest

Alba Invest offers several modalities of CVM-regulated collective investment:

1. Equity Crowdfunding (Mini IPO)

In equity crowdfunding, you become a partner in startups and innovative companies. Also known as mini IPO, this type of investment offers real equity participation and long-term appreciation potential. Learn more about Equity →

2. Real Estate Crowdfunding (CRI)

CRI (Real Estate Receivables Certificate) is a modality of real estate crowdfunding where you invest in real estate sector receivables with predictable returns and IR exemption for individuals. Learn more about CRI →

3. Agribusiness Crowdfunding (CRA)

CRA (Agribusiness Receivables Certificate) allows you to invest in the Brazilian agricultural sector, one of the most strategic in the country. Also IR exempt for individuals. Learn more about CRA →

4. Credit Note (CR)

CR (Credit Note) offers sectoral diversification with varying terms and returns, catering to different investor profiles. Learn more about CR →

Ready to start investing in crowdfunding?

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