Segurança
Carta contemplada scams: 7 warning signs
By the Liberty Carta team••6 min read
A Liberty Carta checklist with 7 warning signs in carta contemplada deals: upfront payment, fake statement, sales pressure and off-process transfer.
| Scenario | What to check | Best next step |
|---|---|---|
| Upfront payment | Whether official share verification happened. | Do not pay before a validated statement. |
| Very cheap offer | Agio outside market and pressure to close. | Treat it as a red flag. |
| Off-process transfer | Whether the administrator is part of the process. | Reject informal transfer. |
Negotiating a letter?
Before paying, check the statement, holder, outstanding balance and official transfer rules with the responsible administrator.
Open the safety checklistThe carta contemplada is a legitimate product — but the market attracts scammers who exploit urgency and lack of information. Knowing the warning signs protects your money.
The 7 warning signs
- They ask for upfront payment before any share verification.
- They do not show the official statement from the administrator.
- They pressure you with a 'today only' offer so you do not verify.
- The ágio is far below market — too good to be true.
- They refuse the official transfer (cessão) through the administrator.
- They have no CNPJ, contract or verifiable trace.
- They ask for a deposit into a personal account without invoice or contract.
Golden rule: no payment before confirming, in the administrator's statement, that the share exists, is contemplated and can be transferred to you.
How to buy safely
- Require an updated statement directly from the administrator.
- Always transfer through the official cessão process.
- Check the CNPJ and track record of the seller or intermediary.
- Compare the total cost with the market before closing.
Liberty Carta puts this verification at the centre of the process: real letter, confirmed administrator, clear total cost and payment tied to a formal transfer.
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