79 million lawsuits were being processed in Brazilian courts at the end of June, according to the National Council of Justice (CNJ). The agency’s latest financial movement data show that R $ 491 billion were transacted by 2023 with judicial deposits alone. With the high volume of causes and busy money, companies that see processes such as investment opportunities have been sophisticated the products that connect justice to the financial market.
One of them, the Bank Preambeulus, has issued a digital account that allows you to negotiate precatory – payment obligations by the government after court decision – to hire credit using values receivable in processes such as guarantee and make day -to -day movements, such as PIX transfers and billing payment.
The big news, according to the company, is quickly to anticipate values to receive in processes. Customers, who previously waited for years to access values already recognized in court, may have immediate liquidity by a discount rate – the company’s remuneration for anticipating the receivables.
“We generate liquidity and created a new type of guarantee that traditional banks, because they are not aware, do not come in,” says Kazan Costa, CEO of Preamble Bank. He explains that, with data and artificial intelligence, the company
From Pix to Precatory
Fintech was born two years ago and is the financial arm of Prêmbulo Tech, a company that turns 37 in 2025 and has management systems for autonomous lawyers and law firms. According to the company, 20% of active legal proceedings in Brazil go through their systems, where lawyers register the actions, generate contracts, charge clients and follow the processes. Today, more than one million lawyers are registered on the platform.
With management software running, the group decided to create the bank for lawyers: “The values identified in credit opportunity are colossal,” says Costa. The 600 offices connected to the Bank prêambebulo receive reports on the chances of success of a lawsuit. Based on this, fintech can offer its products that are divided into four verticals.
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The first vertical, credit, has two solutions. A customer can take a loan using values receivable in an action as warranty. In the other, the losing part can seek credit to pay what was determined by the court. In the vertical insurance, Fintech offers a solution that guarantees the payment of amounts due by the company in lawsuits, replacing the need for deposits in court or attachment of assets.
The vertical precatories have a pipeline of $ 40 million per month. Those who have values to receive from a government agency can sell credit to prêmbulo Bank. Costa explains that, with the data, the company maps the processes with potential to generate precatory. From then on, lawyers may present to clients the proposal to anticipate the money that can take years to be released.
In addition to credit solutions, Fintech wants to be the only bank the lawyer needs. For this, it has placed all verticals within a digital account that allows us to make transfers, manage and automate accounts payments and receive from offices.
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To have access to the platform, you need to have an invitation. Lawyers who use other group solutions are suitable for Fintech and can invite customers who will use some bank product.
30% per year growth
The digital account for lawyers moves $ 100 million per month today, but the goal is to reach $ 500 million by the end of 2026, says the CEO of Prêmbulo Bank. In credit, the “colossal” values in identified opportunities reached R $ 950 million in 2024 and should rise to R $ 1.78 billion this year.
To vent the opportunities, Fintech has connected to 25 funds that can buy the court credits: “Sometimes we miss the necessary founding,” says Kazan Costa.
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In addition to partnership with managers, the bank created its own FIDC (Credit Direct Investment Fund). Credits are filed in lawyers described in contract – in practice, the fund anticipates the professionals the amounts its clients would pay in the future in exchange for a discount.
The expectation of coast is that the tech prêamambulo will grow at least 30% in 2025. In the coming years, expected growth is between 30% and 40%. This will be possible, according to the executive, with the investment in artificial intelligence to generate efficiency and unification of all 25 group solutions on a platform. The idea is to use IA to “enhance human relations, where man is irreplaceable, and allowing lawyers to be less task repeaters.”
“We are building the new law,” concludes Kazan Costa.
