Bruno Grossi

MSc in Computer Science. Twenty years at the intersection of cryptography, distributed systems, and financial infrastructure.

Currently leading digital asset strategy and emerging technology at Inter — Brazil’s largest digital bank by customer count (NASDAQ: INTR, 30M+ customers). Published researcher in post-quantum cryptography applied to CBDC infrastructure.

Co-authored applied research on post-quantum cryptography for DLT-based CBDC systems · Cryptology ePrint Archive, 2024

Embedded in Brazil’s Real Digital architecture — one of the world’s most advanced CBDC programs

Watching crypto since 2016. Building it at institutional scale since 2020.

Banks Won't Be Disrupted by Crypto. They'll Be Disrupted by Banks That Tokenized.

For a decade, the disruption narrative in financial services pointed outward. Crypto-native protocols would disintermediate banks. DeFi would replace prime brokers. Stablecoins would end correspondent banking. The threat came from outside the industry, from systems that didn’t need banks at all. That narrative was wrong — not because the technology was wrong, but because it misidentified the vector. The institutions most threatened by tokenization are not threatened by crypto. They are threatened by other banks. ...

The Clock Problem: Why Every CBDC Being Built Today Has a Security Expiration Date

There is a class of attack with an uncomfortable name: harvest now, decrypt later. The premise is simple. A sophisticated adversary — a nation-state, a well-resourced criminal organization — intercepts and stores encrypted financial data today. They cannot read it. That’s fine. They are patient. They store it and wait for quantum computers capable of breaking current encryption to become available. When that day comes, years or decades from now, they decrypt everything retroactively. ...