Joint Resolution 13/2024: what changes for companies that operate or want to operate with cryptoativos
Rica MoraisChief Operating Officer · SuitCoin · March 13, 2026 · 8 min read
If your company operates — or wants to operate — with crypto recurrently, understanding what changed with Joint Resolution 13/2024 is not optional. It's part of the process of choosing the right partner and operating with legal certainty.
The RC 13/2024, published by the Central Bank of Brazil and the CVM in 2024, is the most important regulatory document for the crypto market in Brazil since Law 14,478/2022. It doesn't just regulate platforms — it defines what it means to operate with crypto legitimately in Brazil.
"RC 13/2024 isn't just platform regulation. It's the document that defines what a legitimate crypto operation looks like in Brazil — and what it requires from the company operating alongside it."
What the resolution establishes
Joint Resolution 13/2024 regulates the operation of SPSAVs in Brazil. In practical terms, it establishes:
01
Legal definition of SPSAVOnly companies authorized by BACEN can provide digital asset intermediation services. This creates a clear perimeter between regulated and unregulated market.
02
Mandatory asset segregationClient assets must be kept separate from the SPSAV's own assets. It's not a recommendation — it's a legal obligation that creates operational protection for clients.
03
AML/CFT programSPSAVs are required to maintain an active anti-money laundering and terrorism financing prevention program — including KYC/KYB, transaction monitoring and COAF reporting.
04
Mandatory ombudsman channelIndependent channel separate from commercial service. Formal response deadline. Clients have a legal path to contest operations.
05
Executive accountabilityControllers and executives respond personally for irregularities. This creates a real incentive for operation within the rules — not just compliance theater.
The Central Bank and CVM defined together what it means to operate with digital assets within the Brazilian regulatory perimeter.
What changes for your company as an OTC client
For your company as a client, RC 13/2024 creates obligations for your partner — and protections for you:
What operating with a compliant SPSAV guarantees
✓
Asset segregation: your company is not a creditor of the platform — your assets are separate from the platform's own capital
✓
Verified KYC: you operate in an environment with other formally qualified clients
✓
Functional compliance: the OTC has a real process for monitoring and reporting operations
✓
Available ombudsman: independent channel for complaints and reports with formal response deadline
✓
Documentary trail: each operation has an auditable record compatible with your company's internal compliance requirements
What the resolution does not guarantee
Being subject to regulation doesn't eliminate all operational risk. RC 13/2024 establishes a minimum perimeter — not the absence of problems. The diligence in choosing the platform remains your responsibility even within the regulated perimeter.
Practical conclusion
RC 13/2024 defines the minimum. The questions you ask before choosing a partner define whether you're operating at the minimum or above it.
How to use this in partner selection
Questions that reveal real compliance with RC 13/2024:
Do you have an authorization application filed as SPSAV? (request the protocol number)
Do you have a documented AML/CFT policy? (request the document)
Is there a formal compliance officer? (request name and position)
How does client resource segregation work?
Do you sign a contract for each operation?
A platform that answers these questions with documentation, not promises, is operating at the right level.
Want to understand how our regulatory structure works in practice?
We explain everything before the first operation — documentation included.
Rica MoraisChief Operating Officer · SuitCoin
Economist from Unicamp, Rica has been COO of SuitCoin since its founding — including the SPSAV licensing process with the Central Bank. Lecturer at FIA and startup mentor. Writes about what actually matters for those making financial decisions using crypto.
