Carlos Netto is Co-founder and CEO of Matera, a software company founded over 30 years ago. Matera provides instant payments, QR code payments and core banking technology to financial institutions. Matera’s Core banking and Pix instant payments solutions are used by 2 out of the top 3 global banks, 3 of the top 10 U.S. banks and 1/3rd of all banks in Brazil. Over 300 million Pix instant payments are processed per month using Matera’s solution and 60 million of those are initiated by QR codes. Carlos is a specialist in digital payments and was even awarded a U.S. patent for offline QR code payments. Currently, he is leading Matera’s global expansion to the U.S.