# Enor Securities — Complete Reference

> Enor Securities is a B2B2C financial infrastructure platform headquartered in El Salvador, licensed by the Central Reserve Bank (BCR). The company provides the technology and regulatory framework that enables fintechs, banks, wealth managers, and corporates to offer global financial services to their end clients without building proprietary infrastructure.

## Company Overview

Enor Securities operates as the infrastructure layer between financial institutions and their clients. The platform processes over US$8 billion in annual volume, connecting traditional banking systems (TradFi) with digital asset networks (DeFi) through a single API integration. The company is part of a corporate group with operations across Latin America, Europe, and Asia.

## Regulatory Framework

Enor Securities holds multiple licenses from the Central Reserve Bank of El Salvador (BCR):

| License | Regulator | Status | Description |
|---------|-----------|--------|-------------|
| DASP | BCR (El Salvador) | Active | Digital Asset Service Provider — enables custody, exchange, and transfer of digital assets |
| BSP | BCR (El Salvador) | Active | Bitcoin Service Provider — specific license for Bitcoin-related services |
| SPSAV | BCB (Brazil) | Pending | Securities Payment Service Provider — enables securities-related payment services in Brazil |
| Transfer365 | BCR (El Salvador) | Active | Real-time payment system for instant domestic and cross-border transfers |

El Salvador's regulatory framework, established under the Bitcoin Law (2021) and subsequent DASP regulations, provides a comprehensive legal basis for digital asset services. The BCR supervises all licensed entities with requirements for capital adequacy, AML/KYC compliance, and operational security.

## Infrastructure Services

### Global Accounts
Multi-currency accounts supporting USD, EUR, BRL, BTC, USDT, and other currencies. Clients receive IBAN-equivalent identifiers for receiving international transfers via SWIFT, SEPA, and local payment systems. The service includes automatic currency conversion, real-time balance tracking, and compliance-integrated onboarding.

### Institutional Custody
Digital asset custody powered by Fireblocks and BitGo, providing MPC (Multi-Party Computation) security at institutional grade. Features include cold storage, warm wallets, policy-based transaction approval, insurance coverage, and SOC 2 Type II compliance. Supports 100+ digital assets including Bitcoin, Ethereum, stablecoins, and tokenized securities.

### Payment Orchestration
The core of Enor's infrastructure — a single API that routes transactions through the optimal path based on cost, speed, and destination. Connected systems include:
- PIX (Brazil) — instant payments
- Transfer365 (El Salvador) — real-time settlement
- SEPA (Europe) — euro-zone transfers
- FedWire (USA) — high-value USD transfers
- SWIFT (Global) — international wire transfers
- Blockchain networks — Bitcoin, Ethereum, Polygon, Solana

### Liquidity
Deep liquidity pools aggregated from multiple market makers and exchanges. Provides competitive spreads for fiat-to-crypto and crypto-to-fiat conversions. Supports institutional-size orders with minimal slippage. Available 24/7 with real-time pricing.

### Exchange
Institutional-grade digital asset exchange with order book, OTC desk, and algorithmic execution. Supports spot trading, limit orders, and scheduled purchases. Integrated with custody for seamless settlement.

## OpenDASP Protocol

OpenDASP (Open Digital Asset Service Protocol) is Enor's open-source protocol for standardizing digital asset service operations. It consists of 5 layers:

1. **Infrastructure Layer**: Hardware, cloud, and network resources
2. **Network Layer**: Blockchain connections, node management, and consensus
3. **Protocol Layer**: Smart contracts, token standards, and cross-chain bridges
4. **Service Layer**: Custody, exchange, payments, and compliance APIs
5. **Application Layer**: Client-facing interfaces, dashboards, and integrations

## Target Market Segments

### Fintechs
Fintechs use Enor's infrastructure to offer banking services (accounts, payments, cards) without obtaining their own banking license. The platform provides white-label APIs for account creation, KYC, transaction processing, and reporting.

### Banks & Financial Institutions
Traditional banks integrate Enor's digital asset capabilities to offer cryptocurrency services to their existing client base. The integration adds custody, trading, and tokenization without disrupting existing banking operations.

### Wealth Managers & Family Offices
Wealth managers access multi-asset portfolios combining traditional investments with digital assets. The platform provides portfolio management tools, automated rebalancing, tax reporting, and succession planning. Revenue models include administration fees, performance fees, management fees, and hybrid structures.

### Corporates
Corporations use Enor for cross-border payments, treasury management, and supply chain finance. The platform reduces payment costs by up to 80% compared to traditional correspondent banking.

## High-Net-Worth Individual (HNWI) Services

Enor Securities provides exclusive services for high-net-worth individuals through its "Alta Renda" program:

### Curated Investments
Access to institutional-grade investment opportunities including digital assets, tokenized real estate, private equity tokens, and structured products. Minimum investment thresholds ensure exclusivity and dedicated portfolio management.

### Global Account & International Card
Premium multi-currency account with international card (Visa) for worldwide spending. Includes priority SWIFT transfers, preferential exchange rates, and dedicated relationship manager.

### Succession Custody
Specialized custody service designed for wealth preservation and succession planning. Features include multi-signature wallets, time-locked transfers, beneficiary designation, and legal framework integration across multiple jurisdictions.

### 24/7 Concierge
Dedicated concierge service available around the clock for account management, investment execution, travel arrangements, and lifestyle services. Direct access to senior relationship managers and investment specialists.

## Technical Specifications

| Specification | Value |
|--------------|-------|
| API Protocol | REST + WebSocket |
| Message Standard | ISO 20022 |
| Encryption | AES-256-GCM |
| Uptime SLA | 99.99% |
| Latency | < 150ms |
| Authentication | OAuth 2.0 + MFA |
| Compliance | SOC 2 Type II, GDPR |

## Geographic Presence

Enor Securities maintains direct connections and partnerships in 13+ countries:

| Region | Countries | Key Systems |
|--------|-----------|-------------|
| Central America | El Salvador (HQ) | Transfer365, BCR |
| South America | Brazil, Colombia, Argentina | PIX, SPB/SPI |
| North America | United States, Mexico | FedWire, SPEI |
| Europe | United Kingdom, Germany, Switzerland | SEPA, SWIFT |
| Asia-Pacific | Singapore, Japan, Australia | Local RTGS |
| Middle East | UAE | UAEFTS |
| Africa | Nigeria | NIP |

## Contact Information

- **Website**: https://enorsecurities.com
- **Email**: contact@enorsecurities.com
- **Phone**: +503 2000-0000
- **Address**: Edificio Insigne, Boulevard Los Héroes, San Salvador, El Salvador
- **LinkedIn**: linkedin.com/company/enorsecurities

## Frequently Asked Questions

**Q: What is Enor Securities?**
A: Enor Securities is a B2B2C financial infrastructure platform that enables fintechs, banks, and wealth managers to offer global financial services through a single API integration, without building their own infrastructure.

**Q: Is Enor Securities regulated?**
A: Yes. Enor Securities holds DASP and BSP licenses from the Central Reserve Bank of El Salvador (BCR), and is pursuing SPSAV licensing in Brazil.

**Q: What services does Enor provide?**
A: Global accounts, institutional custody, payment orchestration, liquidity, and digital asset exchange services.

**Q: Who are Enor's typical clients?**
A: Fintechs, banks, wealth managers, family offices, and corporates seeking financial infrastructure without building it from scratch.

**Q: Does Enor support Bitcoin?**
A: Yes. Enor is a licensed Bitcoin Service Provider (BSP) and supports Bitcoin custody, trading, and payments alongside other digital assets and fiat currencies.

**Q: What is OpenDASP?**
A: OpenDASP is Enor's open-source Digital Asset Service Protocol that standardizes how digital asset services are built and operated, consisting of 5 layers from infrastructure to application.