# Enor Securities: Complete Reference

> Enor Securities is a B2B2C financial infrastructure platform licensed by the Central Reserve Bank of El Salvador (BCR). The company provides global accounts, institutional custody, payment orchestration, liquidity, and digital asset exchange services to fintechs, banks, wealth managers, and corporates worldwide.

## Company Overview

Enor Securities operates as a regulated financial infrastructure provider, bridging traditional finance (TradFi) and decentralized finance (DeFi). The platform enables clients to access banking, payments, custody, and exchange services through a single integration point, eliminating the need to build proprietary financial infrastructure.

Headquarters: Edificio Insigne, Avenida Las Magnolias, Colonia San Benito, Nivel 11, Oficinas 11-01 y 11-02, San Salvador, El Salvador.

## Regulatory Licenses

| License | Issuer | Jurisdiction | Status |
|---------|--------|-------------|--------|
| DASP (Digital Asset Service Provider) | BCR | El Salvador | Active |
| BSP (Bitcoin Service Provider) | BCR | El Salvador | Active |
| SPSAV (Securities Payment Service Provider) | BCB | Brazil | Pending |
| Transfer365 Participant | BCR | El Salvador | Active |

## Core Infrastructure Services

### Global Accounts (https://enorsecurities.com/infraestrutura/contas-globais)

Multi-currency accounts supporting USD, EUR, BRL, BTC, USDT and other digital assets. Connected to SWIFT, SEPA, PIX, FedWire, and local payment systems across 13+ countries. Enables instant settlement, multi-currency conversion, and global treasury management.

### Institutional Custody (https://enorsecurities.com/infraestrutura/custodia)

Digital asset custody powered by Fireblocks and BitGo with MPC (Multi-Party Computation) security. Features include cold storage, hot wallet management, policy engine, multi-signature authorization, and insurance coverage. Supports 100+ digital assets including Bitcoin, Ethereum, stablecoins, and tokenized securities.

### Payment Orchestration (https://enorsecurities.com/infraestrutura/pagamentos)

Single API integration connecting to multiple payment rails:
- PIX (Brazil): Instant payments, 24/7
- Transfer365 (El Salvador): Real-time domestic and cross-border payments
- SEPA (Europe): Euro transfers across 36 countries
- FedWire (USA): Same-day USD settlement
- SWIFT (Global): International wire transfers to 200+ countries
- Blockchain networks: On-chain settlement for digital assets

Intelligent routing selects the optimal path based on cost, speed, and destination.

### Liquidity (https://enorsecurities.com/infraestrutura/liquidez)

Deep liquidity pools for fiat-to-crypto and crypto-to-fiat conversions. Aggregated from multiple market makers and exchanges. Supports large block trades with minimal slippage. Available 24/7 with competitive spreads.

### Exchange (https://enorsecurities.com/infraestrutura/exchange)

Institutional-grade digital asset exchange with order book, market making, and OTC capabilities. Supports spot trading, limit orders, and algorithmic execution. Connected to global liquidity sources for best execution.

### Licenses & Compliance (https://enorsecurities.com/infraestrutura/licencas)

Full regulatory compliance framework including KYC/AML automation, transaction monitoring, sanctions screening, and regulatory reporting. Operates under BCR supervision with SOC 2 Type II compliance.

## Solutions

### OTC Desk (https://enorsecurities.com/solucoes/otc-desk)

Over-the-counter trading desk for institutional clients requiring large-volume digital asset transactions. Features dedicated relationship managers, competitive pricing, settlement flexibility, and privacy for large orders.

### Remittance Desk (https://enorsecurities.com/solucoes/remittance-desk)

Cross-border remittance infrastructure optimized for Latin America. Connects to local payment systems in El Salvador, Brazil, Mexico, Colombia, and Argentina. Reduces remittance costs by up to 80% compared to traditional correspondent banking.

### Enor Card (https://enorsecurities.com/solucoes/enor-card)

International Visa card linked to multi-currency accounts. Enables spending in any currency with real-time conversion. Supports both fiat and digital asset balances as funding sources.

### Banking-as-a-Service (https://enorsecurities.com/solucoes/banking)

White-label banking infrastructure for fintechs. Includes account creation, KYC, transaction processing, card issuance, and regulatory compliance. Enables fintechs to launch banking products without obtaining their own license.

### Investments (https://enorsecurities.com/solucoes/investimentos)

Investment infrastructure supporting digital assets, tokenized securities, and traditional instruments. Features portfolio management, automated rebalancing, and performance reporting.

## OpenDASP Protocol (https://enorsecurities.com/infraestrutura/opendasp)

OpenDASP (Open Digital Asset Service Protocol) is Enor's open-source protocol that standardizes how digital asset services are built and operated. 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

### For Fintechs (https://enorsecurities.com/para-sua-empresa/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.

### For Banks (https://enorsecurities.com/para-sua-empresa/bancos)

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.

### For Corporates (https://enorsecurities.com/para-sua-empresa/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.

### For Exchanges (https://enorsecurities.com/para-sua-empresa/exchanges)

Digital asset exchanges integrate Enor's fiat on/off ramps, custody, and liquidity services. Enables exchanges to offer seamless fiat-to-crypto conversion and institutional-grade custody.

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

### Private Banking (https://enorsecurities.com/para-voce/atendimento-private)

Exclusive services for high-net-worth individuals through the "Alta Renda" program. Features dedicated relationship managers, priority service, and access to institutional-grade products.

### Curated Investments (https://enorsecurities.com/para-voce/investimentos)

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 Visa card 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, and lifestyle services. Direct access to senior relationship managers and investment specialists.

## Educational Content

### Digital Assets (https://enorsecurities.com/aprende/activos-digitales)

Comprehensive guide to digital assets including cryptocurrencies, tokens, stablecoins, and tokenized securities. Covers fundamentals, use cases, and how they integrate with traditional finance.

### Bitcoin (https://enorsecurities.com/aprende/bitcoin)

Educational content about Bitcoin including its history, technology, use cases, and role in institutional portfolios. Covers mining, wallets, custody, and regulatory considerations.

### Stablecoins (https://enorsecurities.com/aprende/stablecoins)

Guide to stablecoins including USDT, USDC, and other fiat-pegged digital assets. Covers mechanisms, use cases, risks, and regulatory landscape.

### Transfer365 (https://enorsecurities.com/aprende/transfer365)

Information about El Salvador's real-time payment system Transfer365, operated by the Central Reserve Bank. Covers how it works, integration options, and benefits for businesses.

### Digital Payments (https://enorsecurities.com/aprende/pagos-digitales)

Overview of digital payment systems in Latin America including PIX (Brazil), Transfer365 (El Salvador), SPEI (Mexico), and blockchain-based payments.

### Glossary (https://enorsecurities.com/aprende/glosario)

Comprehensive glossary of financial and cryptocurrency terms used throughout the platform and industry.

## WhatsApp Bot (https://enorsecurities.com/whatsapp-bot)

Enor operates a WhatsApp-based financial bot for El Salvador enabling users to:
- Buy digital assets via WhatsApp messaging
- Check account balances in real-time
- Withdraw funds to local bank accounts
- Get help and customer support

Available at: https://enorsecurities.com/whatsapp-bot/como-funciona

## Institutional Pages

### About (https://enorsecurities.com/institucional)

Company history, mission, vision, team, and corporate governance information.

### Blog (https://enorsecurities.com/institucional/blog)

Company news, product updates, and industry commentary.

### Insights (https://enorsecurities.com/institucional/insights)

Market analysis, research reports, and thought leadership content.

### Careers (https://enorsecurities.com/institucional/carreiras)

Open positions, company culture, and application process.

### Partners (https://enorsecurities.com/seja-nosso-parceiro/venha-para-enor)

Partnership program for technology providers, financial institutions, and service companies.

## 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

| 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 |

## Languages

The platform is available in three languages:
- Portuguese (Brazil): https://enorsecurities.com/?lang=pt
- English: https://enorsecurities.com/?lang=en
- Spanish (El Salvador): https://enorsecurities.com/?lang=es

## Contact Information

- **Website**: https://enorsecurities.com
- **Email**: contact@enorsecurities.com
- **Address**: Edificio Insigne, Avenida Las Magnolias, Colonia San Benito, Nivel 11, Oficinas 11-01 y 11-02, 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, digital asset exchange, OTC desk, remittance desk, international card, and banking-as-a-service.

**Q: Who are Enor's typical clients?**
A: Fintechs, banks, wealth managers, family offices, exchanges, 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.

**Q: What countries does Enor operate in?**
A: Enor has direct connections in El Salvador, Brazil, United States, Mexico, Colombia, Argentina, United Kingdom, Germany, Switzerland, Singapore, Japan, Nigeria, Australia, and UAE.

**Q: Does Enor offer services for individuals?**
A: Yes. Through the "Alta Renda" program, Enor offers private banking, curated investments, international cards, succession custody, and 24/7 concierge services for high-net-worth individuals.

**Q: What is Transfer365?**
A: Transfer365 is El Salvador's real-time payment system operated by the Central Reserve Bank (BCR). Enor is a licensed participant enabling instant domestic and cross-border payments.

**Q: How can I contact Enor?**
A: Visit https://enorsecurities.com/contato or email contact@enorsecurities.com.