{"id":62620,"date":"2025-04-15T18:35:50","date_gmt":"2025-04-15T16:35:50","guid":{"rendered":"https:\/\/blog.urbanitae.com\/prestador-de-servicos-de-financiamento-participativo-psfp\/"},"modified":"2025-04-26T23:32:49","modified_gmt":"2025-04-26T21:32:49","slug":"prestador-de-servicos-de-financiamento-participativo-psfp","status":"publish","type":"page","link":"https:\/\/blog.urbanitae.com\/pt-pt\/glossario\/prestador-de-servicos-de-financiamento-participativo-psfp\/","title":{"rendered":"Prestador de servi\u00e7os de financiamento participativo (PSFP)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"62620\" class=\"elementor elementor-62620 elementor-60227\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d86d887 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"d86d887\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8b49ddd\" data-id=\"8b49ddd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-083b30b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"083b30b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>O que eles s\u00e3o?<\/h3><p style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\">Os PSFPs, como o Urbanitae, operam sob o Regulamento (UE) 2020\/1503, que regula o crowdfunding em n\u00edvel europeu. Este regulamento substituiu o quadro anterior que existia em Espanha para as plataformas de financiamento participativo (PFPs) e unificou os requisitos para todos os operadores do setor na Uni\u00e3o Europeia. Gra\u00e7as a este novo regulamento, a Urbanitae pode oferecer os seus servi\u00e7os a investidores de toda a Europa com um \u00fanico processo de autoriza\u00e7\u00e3o, atrav\u00e9s do chamado passaporte europeu.  <\/p><p style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\">Este quadro comum refor\u00e7a a transpar\u00eancia, a prote\u00e7\u00e3o dos investidores e a estabilidade do sistema. Entre outras obriga\u00e7\u00f5es, exige que os PSFPs classifiquem os investidores de acordo com sua experi\u00eancia (<strong>experiente<\/strong> ou <strong>n\u00e3o experiente<\/strong>), avaliem os riscos de cada projeto e forne\u00e7am todas as informa\u00e7\u00f5es necess\u00e1rias de forma clara e compreens\u00edvel. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11c28c4 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"11c28c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Aspectos-chave a considerar<\/h3><p style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\">Ao investir por meio de um provedor de servi\u00e7os de crowdfunding, \u00e9 essencial considerar estes fatores:<\/p><ul><li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>\u00c2mbito de atua\u00e7\u00e3o:<\/strong> Os PSFPs podem operar em todo o Espa\u00e7o Econ\u00f4mico Europeu, abrindo as portas para um financiamento mais \u00e1gil e diversificado para desenvolvedores e investidores.<\/li><li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Prote\u00e7\u00e3o do inversor:<\/strong> O regulamento introduz salvaguardas espec\u00edficas para investidores n\u00e3o experientes, como per\u00edodos de reflex\u00e3o, avisos de risco e limites de investimento.<\/li><li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Transpar\u00eancia e dilig\u00eancia:<\/strong> Os PSFPs s\u00e3o obrigados a fornecer informa\u00e7\u00f5es detalhadas e compreens\u00edveis sobre cada oportunidade de investimento, bem como a avaliar a solv\u00eancia e a viabilidade dos projetos publicados.<\/li><li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Limita\u00e7\u00f5es operacionais:<\/strong> Esses provedores n\u00e3o podem custodiar fundos ou fornecer consultoria financeira, a menos que tenham autoriza\u00e7\u00f5es adicionais para faz\u00ea-lo.<\/li><li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Aplica\u00e7\u00e3o ao setor imobili\u00e1rio:<\/strong> No caso da Urbanitae, todos os projetos publicados s\u00e3o investimentos imobili\u00e1rios, principalmente em capital ou d\u00edvida, analisados e estruturados por uma equipa especializada.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aa563c5 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"aa563c5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41114ac\" data-id=\"41114ac\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-43f7095 elementor-widget elementor-widget-html\" data-id=\"43f7095\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n        <div class=\"qode-advanced-call-to-action qode-advanced-cta-gradient qode-advanced-cta-gradient-animation\" style=\"height:80px\">\r\n            <a class=\"advanced-cta-link\" href=\"https:\/\/mkt.urbanitae.com\/Urbanitae_suscripcion_newsletter.html?utm_source=blog&amp;utm_medium=link_blog&amp;utm_campaign=suscripcion_blog&amp;utm_content=boton\" target=\"_blank\" onclick=\"dataLayer.push({'event': 'ub_ga4_event', 'ub_ga4_event_name': 'newsletter', 'ub_ga4_event_element': 'aprende'})\"><\/a>\r\n            <div class=\"qode-advanced-cta-content\">\r\n                <span class=\"qode-advanced-cta-text-holder\" style=\"color:#FFFFFF;font-size:25px\">\r\n Assine nossa Newsletter <\/span>\r\n                <span class=\"qode-advanced-cta-icon-holder\" style=\"color:#FFFFFF;font-size:25px\">\r\n                    <span class=\"qode-advanced-cta-icon-holder-table\">\r\n                        <span class=\"qode-advanced-cta-icon-holder-cell\">\r\n                            <i class=\"qode_icon_font_awesome_5 fa5 fa fa-envelope-open-text qode-advanced-cta-icon\"><\/i> <\/span>\r\n                    <\/span>\r\n                <\/span>\r\n            <\/div>\r\n            <div class=\"qode-advanced-cta-background-holder\">\r\n                <span class=\"qode-advanced-cta-background-1 qode-type1-gradient-left-to-right\"><\/span>\r\n                <span class=\"qode-advanced-cta-background-2 qode-type1-gradient-left-to-right\"><\/span>\r\n                <span class=\"qode-advanced-cta-background-3\"><\/span>\r\n            <\/div>\r\n        <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>O que eles s\u00e3o? Os PSFPs, como o Urbanitae, operam sob o Regulamento (UE) 2020\/1503, que regula o crowdfunding em n\u00edvel europeu. Este regulamento substituiu o quadro anterior que existia em Espanha para as plataformas de financiamento participativo (PFPs) e unificou os requisitos para todos&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":62702,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-62620","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Prestador de servi\u00e7os de financiamento participativo (PSFP) - Urbanitae Blog<\/title>\n<meta name=\"description\" content=\"\u00c9 uma entidade autorizada que conecta promotores que precisam de financiamento com investidores que desejam participar de seus projetos por meio de uma plataforma digital.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.urbanitae.com\/pt-pt\/glossario\/prestador-de-servicos-de-financiamento-participativo-psfp\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prestador de servi\u00e7os de financiamento participativo (PSFP) - 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