CommCredit

Stable income from consumer credit transactions backed by top-tier card issuers

CommCredit is a financial product that invests in credit-linked instruments derived from credit card operations, specifically cash advances and consumer credit.

The underlying assets are consumer receivables from real transactions, backed by major international issuers such as Visa, Mastercard, and American Express, all rated AAA globally.

The product offers a fixed annual return equivalent to 90% of the CDI, with a clear and investor-friendly disinvestment policy: a minimum holding period of 2 months, and funds credited within 60 days of the disinvestment request.

Key Features:

• Product type: Consumer credit-linked investment
• Underlying assets: Credit receivables guaranteed by Visa, Mastercard, and American Express
• Expected return: 90% of CDI annually
• Term: Minimum 2 months, with redemption within 60 days of request
• Risk level: Low
• Target investors: Retail and institutional investors seeking stable, uncorrelated returns

Key strengths:

• Backed by AAA-rated global issuers
• Exposure to real, recurring consumer credit flows
• Simple and predictable exit policy