grana.capital

What It Is

Grana Capital is a Brazilian investment tax automation service focused on helping Brazilian investors handle income tax reporting for stocks and other renda variável (variable-income) investments. The site highlights that Bolsa-related IR processing can be completed in 5 minutes, covering annual IRPF filings, monthly IR calculations, retroactive DARF checks, and portfolio diagnostics. It also offers Grana Pro for accountants and investment advisors.

Core Capabilities and Payment/Finance Angle

In terms of service type, this is not a traditional payment gateway or acquiring institution, but rather a fintech tool built around Brazilian tax reporting. Its key capabilities include generating filing-ready information from B3 data, automatically filling data into the Receita program or generating copy-and-paste reports, monthly tax calculations and payment reminders, historical DARF checks, and dividend tracking. From a risk-control perspective, its value mainly lies in reducing tax calculation errors and helping users avoid interest and penalties. The page does not disclose payment-finance risk-control capabilities such as KYC, AML, or anti-fraud.

Pricing and Fees

Pricing is relatively clear: the free plan costs R$0 and includes portfolio control, basic diagnostics, and dividend tracking, but does not include income tax features. Grana IR is offered at a discounted annual price of R$239.90, equivalent to R$19.99/month, and includes annual filing reports, monthly IR, and retroactive DARF checks. Mais Grana is offered at a discounted annual price of R$359.00, equivalent to R$29.92/month, adding automatic form filling, an IR optimizer, 18 portfolio diagnostics, and 60 daily AI assistant messages. The page mentions that monthly payment is available, but does not list monthly prices.

Compliance, Integrations, and Limitations

For compliance information, the page discloses the legal entity GRANA CAPITAL TECNOLOGIA EM INVESTIMENTOS LTDA and its CNPJ, but does not specify any financial license, tax agent qualification, or regulatory registration. On integrations, only relevance to the Receita filing workflow and B3 data availability can be confirmed; there is no visible information about an open API, Webhooks, or SDKs. Payment methods are also not disclosed, aside from a note that referral rewards are paid via PIX.

Who It’s For and Access from China

Grana Capital is suitable for individual investors in Brazil who invest in the B3 market and need to handle IRPF and DARF, as well as accountants and advisors serving clients at scale. It is not suitable for investors in mainland China dealing with local taxes, nor can it replace payment acquiring, cross-border payments, or enterprise finance APIs. There is no evidence in the main text regarding access from China, so the status is unknown. Alternatives may include the official Receita program, broker-provided tax reports, or local Brazilian accounting services.