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. Merchants pile up what they receive and cash out through PIX or TED whenever they want.

The system serves four distinct profiles, platform operators, companies, merchants and employees, and each one gets its own dashboard, granular permissions and dedicated flows. On top of that it brings multi-step approval for financial entries, segregation of duties between who creates and who approves, batch import of employees, full audit logs, LGPD compliance, dark mode and a mobile-first app for the employee.