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Global FX Broker Transparency & Rating
Sources auditable

XP Inc

HeadquartersBrazil Founded2001 Regulatory licenses2 Websitewww.xpi.com.br
What this broker record establishes

XP Investimentos is a large Brazilian investing platform and brokerage brand covering stocks, funds, fixed income and investment products. Users should verify Brazilian regulation, account type, product suitability, fees and cross-border availability.

Identify the onboarding entity from these records before applying the score or any client protection to an account.

Entity and licence routes

  • The CVM record in Brazil is marked Unverified under identifier unverified for legal entity XP Investimentos CCTVM S.A..
  • The BCB record in Brazil is marked Unverified under identifier unverified. FXCN has not recorded the legal entity for this relationship.

Why this score?

5 dimensions · open algorithm
Regulation w = 0.3
62.0 18.6 pts
Risk control w = 0.2
80.0 16.0 pts
Transparency w = 0.2
85.0 17.0 pts
Reputation w = 0.2 · not assessed (base 50)
50.0 10.0 pts
Disclosure w = 0.1 · not assessed (base 50)
50.0 5.0 pts
Assessment coverage 3/5 · These dimensions lack sufficient public data and stay at the base 50, excluded from downgrade checks: Reputation、Disclosure
Facts marked ↗ link to a public source; the rest are internally verified, evidence link pending Methodology Updated at: 2026-10-01 12:34

Regulatory licenses

2 on record
CVM T2
Unverified
Brazil
Identifierunverified
XP Investimentos CCTVM S.A.
Verify
Verified 2026-05-25
BCB T2
Unverified
Brazil
Identifierunverified
Verify
Verified 2026-05-25

Company profile

Structure · Ownership · Listing
Client funds segregated
Yes — held separately from company funds

Score evidence trail

6 scoring facts
Regulation +/− Reason Evidence
Regulation +6.0 Tier 2 licence from CVM; verification pending (REG_LIC_CVM)
Regulation +6.0 Tier 2 licence from BCB; verification pending (REG_LIC_BCB)
Risk control +30.0 Client money is held separately and can be verified (RISK_FUND_SEG) evidence pending
Transparency +20.0 Registered and operating locations are consistent (TRANS_HQ_MATCH) evidence pending
Transparency +15.0 Shareholders and directors are publicly traceable (TRANS_SHAREHOLDERS) evidence pending
Reputation +0.0 Insufficient user reviews (0) for assessment (REP_INSUFFICIENT) evidence pending

Time Machine

2026-10-01 12:34 · score_change
Score changed

AI editor brief

FXCN risk summary

XP Investimentos is better assessed as a Brazil local investing account. Non-local users should first confirm onboarding and funding path.

Generated by AI from structured facts above. All sources are linked under "Why this score".

Frequently Asked Questions

Which authorities regulate XP Inc?

FXCN has no record of an active regulatory licence for XP Inc. Treat any platform soliciting deposits under this name with extreme caution and verify it with our scam-check tool first.

When was XP Inc founded and where is it based?

XP Inc was founded in 2001 and is headquartered in Brazil.

Which scoring dimensions has FXCN actually assessed for XP Inc?

The FXCN score combines 5 weighted dimensions: Regulation 30%, Risk control 20%, Transparency 20%, Reputation 20%, Disclosure 10%. As of 2026-10-01, 3/5 dimensions have enough public data to assess; not yet assessed: Reputation, Disclosure. Unassessed dimensions stay at the base score of 50 — they neither add points nor trigger the "any dimension too low" downgrade. We would rather flag a gap than fill it with a guess. Every individual point adjustment is listed in the evidence table above. Methodology

User reviews

No reviews yet.
Evidence-based options

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Blueberry Markets Pty Ltd Australia 69.0
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