A currency of its own
Contracting companies deposit funds on the platform and hand them to employees as monthly balances they can spend nearby.
// each entry becomes a monthly balance per employee/benefit/month (original · spent · remaining)
in productionmoedanobre.com2026platform development
Moeda Nobre · Digital Benefits Currency
Moeda Nobre is a corporate benefits fintech with its own digital currency. Contracting companies deposit funds on the platform and hand them to employees as monthly balances, which get spent at a network of partner merchants by paying via QR Code with PIN confirmation.
Next.js 16TypeScriptTailwindCSSshadcn/uiFramer MotionTanStack QueryZustandPrisma ORMPostgreSQLNextAuthhtml5-qrcodeTipTapDockerNginxRedisprivate VPS
The problem
Traditional corporate benefits are a voucher that only works at the big chains. The money a company puts in as a benefit leaks straight out of the economy around the employee. The local shops, where people actually live and spend, are left out because they have no simple way to accept that voucher or to get paid for it.
Moeda Nobre flips that around. But the real challenge was never just "build a wallet." It was moving real money between four players (the platform, the company, the merchant and the employee) with approval, segregation of duties and auditing, so nothing ever moves without leaving a trace.
Company depositsbecomes monthly balanceApprovalmulti-step, rejectableEmployee paysQR Code + PINMerchant cashes outPIX or TED
How it was built
Spent at partner merchants
Employees pay by scanning a QR Code and confirming with a PIN, at a network of partner merchants who pile up balances and cash out via PIX or TED.
$ how i solved it
The merchant generates a QR with an amount and an expiry; the employee scans it and confirms with a PIN.Before approving, the system checks the benefit rules (state, city, ZIP, segment) and the available balance.Consumption is FIFO, oldest balances first, and a single payment can combine several benefits.On withdrawal the merchant asks for an exact amount and the system consumes the stacks in FIFO order, with a proportional fee.
Four dedicated profiles
Platform operators, companies, merchants and employees each get their own dashboard, granular permissions and dedicated flows.
// 4 user types, each with sub-roles (MASTER/ADMIN/ENTRY/APPROVER/VIEWER) and role guards in the middleware
Built-in financial controls
Multi-step approval, segregation of duties, batch import of employees, full audit logs and LGPD compliance.
$ how i solved it
A balance entry moves through 8 states, from draft to distribution, and can be rejected at any step with a reason.Segregation of duties is strict: whoever creates doesn't approve, and whoever approves doesn't pay (403 if they try).Batch import validates the whole spreadsheet before writing a single employee.Everything is soft delete and every action turns into an audit record with before/after state, IP and user agent.
What it changed
Moeda Nobre is a B2B2C financial platform in production, not a pilot. Real money flows from the company all the way to the local shop, passing through bank-grade controls: approval across several hands, a clear split between who approves and who pays, universal soft delete and an audit record for every action. Four different profiles run the same system, each with its own panel and its own permissions.
4dedicated profilesoperator · company · merchant · employee
8approval stepsrejectable entry
QR + PINpaymentcash out via PIX/TED
LGPDversioned consentIP + userAgent + version
cat specs.txt # for the technical reader
- architecture
- Next.js 16 · Prisma · PostgreSQL
- payment
- QR Code + PIN · FIFO consumption · PIX/TED withdrawal
- controls
- multi-step approval · segregation of duties · audit log
- security
- NextAuth v5 · bcrypt PIN · versioned LGPD consent
- infra
- Docker · Nginx · Redis · private VPS
Designed, built and shipped live by Bernardo Iannini
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