Anticipation of card receivables and tokenization: how blockchain technology can help in business financing
Blockchain, Tokenization,Tokens, Credit Card Receivables
This work aims to analyze a process of transforming credit card receivables into tokens (digital assets) in Brazil, through the application of Blockchain technology, in order to verify the competitiveness gains for companies through the reduction of dependency of financial intermediaries and the increase in the supply of resources to finance their needs. For that, a qualitative and descriptive research was used, in which we sought to describe the phenomenon of tokenization of assets and its relationship with the forms of financing companies. It seeks to demonstrate that the use of Blockchain technology allows the elimination of financial intermediaries, through smartcontracts and tokenization of credit card receivables. Disintermediation makes it possible to increase the volume of offers of resources destined to finance business activities and, consequently, to reduce the interest rate charged, improving the competitiveness of companies.