1. What is BC Protege+

BC Protege+ is a Central Bank of Brazil (BCB) system that allows individuals (CPF) and companies (CNPJ) to register a restriction in the Brazilian financial system. While this restriction is active, participating institutions must not open new eligible accounts or add the restricted person as an account holder, legal representative, or first‑degree partner.

BC Protege+ is voluntary and free for end users, and it acts as a centralized protection layer: a single restriction registered at BCB is enforced across all participating institutions. For dLocal and dLocal Bank, consulting BC Protege+ becomes a mandatory step before opening Brazilian prepaid payment accounts and, in specific cases, before adding or updating representatives.

2. What happens when BC Protege+ is triggered?

In product terms, when there is an active BC Protege+ restriction that affects a Brazilian user account in dLocal for Platforms, this is represented in the Account status model as:

• status = BLOCKED
• status_detail = blocked_by_bc_protege

This combination indicates that the account is blocked due to a BC Protege+ restriction at Central Bank level and cannot operate normally until the situation is resolved.

3. What platforms should do

When an account is in BLOCKED / blocked_by_bc_protege, merchants and platform partners should:

1. Check and monitor status

Read status and status_detail from:

• The Get account API response.
• ACCOUNT_STATUS_UPDATE notifications (status, status_code, status_detail).

Treat BLOCKED / blocked_by_bc_protege as a regulatory block and apply your “blocked account” logic.

2. Restrict operations

• Do not allow new payins, payouts, transfers, or other movements using the blocked account as origin or destination.
• Avoid automatic retries of operations that failed due to BLOCKED status.

3. Inform the end user

• Explain that the block is due to a BC Protege+ restriction registered by the user/seller (individual or company) with the Central Bank of Brazil, not by dLocal or the platform.
• Clearly request that the seller or account holder log into the official BC Protege+ channel and remove or adjust the restriction if they wish to continue using the services. Only after the restriction is removed can dLocal re‑check the status and, if everything is in order, restore the account to an operational status.

4. Coordinate with dLocal

• Once the seller or account holder confirms that they have removed the BC Protege+ restriction through the Central Bank of Brazil’s official channels, contact your dLocal representative or support channel and request a new review for the affected account.
• dLocal will re-check BC Protege+. If there is no longer an active restriction and all other compliance checks remain valid, the account status can be updated from BLOCKED / blocked_by_bc_protege to an operational status (for example, APPROVED).