2025 was not just another calendar cycle for DUX. It was an inflection point. It was the exact moment we stopped being just one more receivables anticipation option and consolidated ourselves as critical financial infrastructure, tailored for those who can't afford the luxury of waiting.

Let's be honest: the traditional market has always treated creativity as a risk asset, something too intangible for the cold spreadsheets of banks. We looked at that and saw the opposite. We saw power. We saw signed contracts worth their weight in gold, but "frozen" in payment terms of 60, 90, or 120 days.

What we did over the last 12 months was thaw that potential. We're not just talking about running financial operations; we're talking about engaging with entire sectors — from advertising to audiovisual, from music to major events — and repositioning the logic of liquidity.

This recap you're starting to read is not an institutional report to please board members. It's a strategic read, almost a manifesto, on how capital, method, and physical presence combined to accelerate decisions that, without DUX, would have been left in a drawer.

Throughout 2025, we proved a fundamental thesis: liquidity is not just money in the account; it is autonomy. It's the difference between accepting a bad project because you need to pay the rent and having the cash to invest in the project of your life.

In the next few lines, we're going to open the black box of 2025. We'll dissect financial metrics, lessons from the field and, above all, we'll translate the real impact of having given the equivalent of 109 years of time back to the market. Buckle up. Bureaucracy stayed behind in 2024.

The Math of Waiting: What 40,103 Days Mean in Practice

In the traditional economy, waiting 30, 60, or 90 days to get paid for a service rendered is treated as "part of the game." It's the status quo. Giant companies impose stretched payment terms to protect their own cash, transferring the financial pressure to the weakest end of the rope: the creative, the production company, the talent manager.

In 2025, DUX decided that rule was obsolete.

Over the course of the year, we anticipated a total of 40,103 days of contracts. Reading that number cold may not land immediately, so let's put it in context. That figure is the sum of every day our clients would have had to wait, passively, to see the color of money that was already theirs.

We're talking about 109 years of waiting eliminated in just 12 months of operation.

Imagine the structural impact of that. If we could compress history, we gave the market back the equivalent of more than a century of useful time. In business terms, that translates into 131 months of accelerated cash flow. That's enough time to cross entire generations of technology, to watch several social networks be born and die and, most importantly, to keep hundreds of studios and careers from collapsing for lack of working capital.

But let's get down to the internet's factory floor. What do you do with that time?

In the attention economy, speed is the only sustainable competitive advantage. A TikTok trend lasts days, sometimes hours. Having the money in hand today means being able to produce the content your audience wants to see now. If we convert those 40,000 days into our clients' native language:

• At TikTok speed: Considering an average of 42.7 seconds per video, the time DUX "bought back" would allow the consumption or production of 81,129,975 videos. That's an amount of content capable of saturating any algorithm.

• At Stories speed: For standard advertising campaigns (combos of four 60-second stories), that time would make it possible to deliver 14,437,080 complete "publis".

That's scale. That's volume. But above all, that's unlocked productivity.

Every day anticipated by DUX was not just a banking transaction; it was one less day of anxiety and one more day of focus on creating. Converted into working hours, we freed up the equivalent of 962,472 one-hour meetings. Think about how many negotiations, creative alignments, and "sales pitches" never happened for lack of funds.

DUX didn't just advance money; we changed the production pace of hundreds of projects. We released the handbrake for people who were ready to accelerate but were stuck in the bureaucracy of long payment terms. And when you remove the friction of time, the magic happens: the market grows.

Time, Culture, and Attention: When Numbers Become Narrative

If time is money, then in the creative economy attention is the new oil. And there's no capturing the audience's attention if you don't have the time to produce, distribute or, at the very least, understand what's happening in the zeitgeist.

The 40,103 days DUX anticipated in 2025 didn't just pay the bills. They kept the wheel of culture turning. To illustrate the size of that impact, we need to translate this financial abstraction into the language we all speak fluently: pop culture.

Look at the Stranger Things phenomenon. The last season demanded about 8 hours and 33 minutes from anyone who watched it. The volume of time DUX released into the market would be enough to binge that entire season an impressive 112,587 times. Picture a stadium the size of the Maracanã packed full, with every single person inside watching the series from start to finish, simultaneously. That's the size of the "time window" we reopened for the market.

Shall we talk music? The hit Die With a Smile, by Lady Gaga and Bruno Mars, dominated the charts. The time DUX gave back would be equivalent to 13,693,279 plays of that track. That's not just a streaming number; it's an audience volume capable of putting any artist at the top of the global charts.

And in film, with ANORA taking the 2025 Oscar, the impact is just as visual. We could fill 415,427 movie sessions.

Why do these comparisons matter to your pocket?

Because they prove that liquidity directly affects the ecosystem's ability to consume and create references. When a creator has to wait 90 days to get paid, they lose the timing to react to a trend, to release their own version of a hit, or to produce a review of the film everyone is talking about.

In the creative economy, the "right moment" is a perishable asset. If the money arrives late, the idea arrives old.

By injecting immediate liquidity, DUX is not just anticipating a monetary amount; we're making sure creators have the creative breathing room and the planning horizon they need to take part in the cultural conversation while it's happening.

Capital that arrives at exactly the right time (and not three months later) stops being survival money and becomes innovation money. It lets the creator buy the new gear before Black Friday ends, hire the extra editor in launch week, or invest in paid traffic exactly when the algorithm is delivering the most.

These pop culture numbers are proof that our financial infrastructure is holding up the cultural infrastructure.

R$ 95 Million: The Financial Reconfiguration of the Sector

Idle money is a cost. Money in motion is growth. In 2025, DUX put R$ 95 million in motion, injecting that capital straight into the veins of creators, agencies, and projects that would otherwise be suffocated by waiting.

We're flirting with nine digits. But total volume tells only half the story. The real revolution is in the efficiency of that capital.

Anyone who knows the traditional credit market knows it can be hostile. Anticipation and commercial factoring rates have historically operated at levels that erode the service provider's profit margin, with rates approaching 5% per month. For a small studio or a rising influencer, that's almost prohibitive.

DUX came in to break that predatory logic. Our operation managed to cut these transactions' relative cost by around 23% . And most importantly: we did it while democratizing access. We don't serve only the media "sharks"; we operate with the same efficiency on smaller tickets, in the R$ 10,000 range. That means the micro-influencer had access to the same financial quality as a large advertising agency.

The Real-Life Impact: Salaries and Jobs

To understand the weight of R$ 95 million, we need to look at where that money goes. It pays rent, buys food, finances equipment, and supports families.

If we turn that amount into payroll, the sum DUX anticipated in 2025 would be enough to cover nearly 20,000 monthly salaries (assuming an average of R$ 4,800, in line with technical roles in the creative sector).

In a macroeconomic context where the creative sector generated 228,000 new jobs in 2024, DUX operated as a critical auxiliary engine, keeping pace with full cycles of job creation. We made sure the money reached companies' accounts in time to honor payroll on the 5th. That's social and operational stability.

The Creator's Currency: Publis and Views

Brought down to the influencer's microeconomics, the numbers get even more aggressive. R$ 95 million buys a giant slice of national attention.

• In the feed: That amount would finance between 19,000 and 190,000 publis from micro-influencers, or up to 19,000 campaigns from mid-tier influencers. We're talking about an entire digital advertising ecosystem being sustained and accelerated by this liquidity.

• On YouTube: Here the scale explodes. If we consider an average RPM (revenue per mille) ranging between R$ 3 and R$ 7, the amount DUX anticipated equals the revenue generated by somewhere between 13.5 billion and 31.6 billion monetized views.

Think about that for a second. For a YouTuber to organically generate R$ 95 million, they would need tens of billions of views. DUX made that amount accessible today, based on future contracts, without the creator having to wait for AdSense to drop or for the brand to approve the final metrics report.

That proves our role goes far beyond "lending money." We are financing consistency. We're allowing the market to operate with the security of a multinational, even with the lean structure of an independent production company.

Growth with Method: The Science Behind the Speed

Scaling a financial operation in the creative economy is like changing the tire of a Formula 1 car in motion. The market doesn't stop, deadlines are tight, and the margin for error is zero. In 2025, we proved it's possible to accelerate without losing control.

Over the year, DUX signed 505 anticipation contracts. That gives us a consistent average of 1.38 approvals per day, including weekends and holidays. But let's be frank: volume on its own is a vanity metric. Anyone can sign bad contracts quickly. DUX's real differentiator was the evolution of the method.

Each of those 505 contracts went through a pipeline of rigorous analysis, legal structuring, and compliance validation. What impresses is not just the quantity, but the speed at which that security was delivered. Today, approval of an operation at DUX happens, on average, in less than 24 hours.

For anyone coming from the traditional banking market, where credit approval for a production company or agency can take weeks of documents going back and forth, 24 hours sounds almost like science fiction. For us, it's the standard. We got there by combining data analysis technology (AI) with a specialized team that understands the "soul" of a contract. We know how to read an advertising or image licensing contract; we know where the real risks are and where there are only formalities.

This operational efficiency (signing 500+ contracts with controlled default rates and record speed) means DUX has reached maturity. Growing, for us, meant operating better, with more predictability and less bureaucracy.

Expanding the Territory: Far Beyond the Influencer

Another myth we knocked down in 2025 is that DUX only works for the "Instagram creator." The creative economy is a vast ocean, and we decided to sail in every direction.

We expanded our operation into more than 12 distinct segments. Our 2025 portfolio included:

• Major Events and Festivals: Where cash flow has to happen months before the final ticket sales.

• Audiovisual and Cultural Production: Financing everything from pre-production to distribution.

• Marketing and Advertising Agencies: Which suffer from the mismatch between paying suppliers and getting paid by clients.

• Media and Press Outlets: Sectors that demand constant working capital.

• Actor and Model Agencies: Managing careers that swing between big revenue peaks and off-season stretches.

That diversity wasn't accidental. It was strategic. By operating on such distinct fronts, DUX strengthened its ability to read the market. We understand that the pain of a film production company waiting on a public funding call is different from the pain of an influencer waiting on a Black Friday payment. We adjusted our technology and our products to serve both with the same excellence.

Today, DUX is not a niche fintech. We are the investment bank of the entire creative ecosystem.

Digital Is the Means, Presence Is the End: 216,000 Km of Connection

There's a curious paradox in fintech: the more digital money becomes, the more important physical presence becomes. Trust isn't built with algorithms alone; it's built "eye to eye." In 2025, DUX decided not to be an office company. We decided to be a company of the world.

Our physical presence strategy was aggressive and intentional.

In Brazil, we covered 13,780 km. We were where the scene happens: São Paulo, Rio de Janeiro, Florianópolis, Belo Horizonte, Curitiba, and Salvador. We weren't just visitors; we were active participants. Every kilometer driven on national soil represented a meeting with a strategic partner, a coffee with a creator who needed to understand how to scale, or a visit to an agency to design a custom solution. We understand the regional nuances of Brazilian creativity because we were there, standing on the same ground.

But our thesis doesn't fit inside national borders alone.

On the international stage, DUX operated in "global player" mode. We covered an impressive 202,520 km — the equivalent of 5 complete laps around the Earth. That's more than 225 hours of flight crossing time zones to take our vision of liquidity to global innovation hubs.

We carried the DUX flag to the United States, China, the United Kingdom, Switzerland, Dubai, Hong Kong, Russia, South Africa, and Argentina. We took part in more than 15 strategic events across four continents.

Why go so far? Because the Creator Economy is a global phenomenon, and financial solutions have to match that scale. Our participation in the Influent Summit, for example, wasn't just to watch talks; it was to position ourselves as infrastructure. We talked with global leaders, validated our technology in mature markets, and brought back to Brazil the most advanced thinking in credit and creative financing trends.

2026: The Next Step Is Global

If 2025 was the year of consolidation and expansion, 2026 will be the year of international recognition.

We're not slowing down. On the contrary, our compass already points to the next big milestone: in May 2026, DUX will be at the Dubai FinTech Summit.

Our qualification for the FinTech World Cup final is not just a trophy on the shelf; it's validation that our technology and our business model — focused on solving the real pain of the creative economy — have global relevance. We'll take our thesis to one of the most demanding stages on the planet, ready to show how we turn receivables into future.

The Future Doesn't Wait (And Neither Should You)

Looking at the 40,103 days anticipated, the R$ 95 million moved, and the thousands of kilometers covered, the final message of this recap is simple: movement generates opportunity.

DUX has proven, with data and facts, that the lack of liquidity is the creative economy's biggest handbrake. And we've also proven that when we release that brake, the market flies.

We are not just a bank. We are the partner that understands your signed contract has value today. We are the infrastructure that lets you produce the next series, launch the next campaign, or close the next big deal without depending on the goodwill of the traditional banking calendar.

2025 was historic. We gave 109 years of time back to the people who create. But 2026 has already begun. And if you have signed contracts and the ambition to grow, the question that remains is:

Why are you still waiting?

Come to DUX. Let's anticipate your future.