Brazil is undergoing an unprecedented process of regulating its iGaming market. To operate securely, legally, and at scale, more than just licences and business strategies are required — a solid technological foundation is essential. As you continue reading, we propose exploring the most critical component of this structure: the PAM (Player Account Management), the system that connects all aspects of the operation and ensures the functioning of a regulated environment. Stay tuned for upcoming chapters to become an iGaming expert.

What is PAM?

PAM stands for Player Account Management System. It is the central core of any iGaming operation — responsible for managing the entire user journey, from registration and identity verification to financial transactions, activity control, and regulatory reporting. Without a robust, secure, and certified PAM, it is impossible to operate legally in regulated markets like Brazil.

More than just software, PAM is a strategic platform. It connects all facets of the operation: players, games, payments, marketing, compliance, and customer service. It is from this system that scalability, reliability, and regulatory compliance are built. A well-structured PAM ensures performance, security, and agility, while a poorly designed PAM compromises the entire operation — exposing the operator to technical, legal, and reputational risks.

PAM is the Brain of the Operation

PAM manages critical functions that keep the operation running and in regulatory compliance. It is not merely a simple module — it is the central nervous system of the operation. It must meet the highest standards of compliance, scalability, security, and technological innovation. This requires a continuous process of development, testing, and certification.

Key Features

• Player registration and verification (KYC)
• Management of wallets, balances, bonuses, and cashback
• Regulatory reporting
• Session and gameplay time control
• Responsible gaming tools
• CRM, segmentation, and campaigns
• Anti-fraud systems and risk limits
• Integration with games, payments, affiliates, and more

Security, Stability, and Compliance are Fundamental

PAM must undergo audits, tests, and certifications to ensure its compliance. Failures in security, system outages, or lack of updates can result not only in operational losses but also in severe regulatory fines.

Certifications: The Foundation of Regulatory Compliance

To operate legally and securely in regulated markets, PAM must undergo a rigorous certification process. These certifications are not mere formalities — they guarantee that the technology meets the technical, legal, and operational criteria required by regulatory bodies.

Why are certifications essential?

Certifications are the pillars that support legal, secure, and reliable operations. Without them, there is no authorisation or credibility. Below are the main reasons why PAM certification is indispensable for any serious operation in regulated markets like Brazil:

• Regulatory compliance: without certification, there is no operational licence in markets like Brazil
• Security and reliability: validate the robustness of the platform, including encryption, fraud protection, and data integrity
• Transparency and traceability: ensure that every transaction, bet, and financial movement is auditable
• Prevention of sanctions: certification failures can result in warnings, heavy fines, and even licence suspension

Who certifies?

The certification process must be conducted by independent laboratories accredited by regulatory bodies. In Brazil, for example, this includes laboratories approved by Caixa Econômica Federal and the new structure of the Receita Federal (SIGAP). The most globally recognised include:

• GLI (Gaming Laboratories International)
• BMM Testlabs
• eCOGRA
• NMi / SIQ

But what exactly is evaluated in the certification process?

Regulators and laboratories analyse technical, operational, and financial components of the operation, ensuring that each stage — from platform architecture to data protection — complies with the required standards. Below are the main components that undergo this validation:

• Complete PAM platform: functionalities from player registration to regulatory reporting
• Vault module: ensures the segregation and traceability of players’ financial resources
• RNG (Random Number Generator): ensures randomness and fairness in proprietary games
• Operational processes and reports: in formats required by regulators
• Infrastructure environment: cloud security, data architecture, redundancy, and backups

Certification is not an event — it’s an ongoing process

Once certified, the operation is not exempt from new examinations. Regulators require the company to continuously demonstrate adherence to standards through regular cycles of verification and updates. This maintains the technical and legal integrity of the operation over time and requires:

• Periodic reviews
• Regression testing after updates
• External audits
• Compliance with new standards and laws

Management System: The Vault

The Vault is an essential security module in regulated operations, responsible for ensuring the integrity, segregation, and traceability of all financial resources belonging to players. Its main function is to ensure that user funds are isolated from the company’s operational capital, protecting the player and guaranteeing full auditability of the operation.

The Vault also acts as an integration point between the operator and the regulator. It collects, organises, and transmits operational data — such as transactions, balances, gaming activities, limits, and self-exclusions — through files in specific formats required by the regulatory body, usually in predefined cycles (daily, weekly, monthly).

It is a mandatory requirement for licensing in regulated markets like Brazil and must be certified as part of the platform’s technical infrastructure. The absence of a functional and auditable Vault can compromise the entire operation and result in severe sanctions.

PAM is in Constant Development

PAM is never “finished.” It needs to evolve continuously, keeping up with regulatory changes, technological advancements, and transformations in player behaviour. This adaptability ensures that the operation maintains its relevance and performance over time.

Integrations: Connectivity as a Strategy

No iGaming operation exists autonomously. Success depends on PAM’s ability to integrate with external solutions that comprise the daily operation — from payments to marketing tools. These connections allow for scaling, personalisation, and automation, making the system not just functional but truly intelligent.

A good PAM should be integrated with a wide range of external solutions such as:

• Payment methods
• Games
• Marketing and retention platforms
• Compliance and anti-fraud tools
• Affiliate programmes
• Mobile applications
• BI systems

Value Lies in the Ecosystem

More than just connecting, orchestration is necessary. An isolated PAM delivers little value if it is not part of a complete ecosystem that allows for operational fluidity, data visibility, and synergy between modules. This integrated vision is the foundation for scalable and sustainable operations in regulated environments, and operating in a complete ecosystem should include:

• Local payments (PIX, boleto, wallets)
• CRM and automation
• Affiliation
• Certified content
• Sportsbook
• KYC/anti-fraud tools
• Regulatory reporting

Artificial Intelligence as the Engine of Innovation

Artificial intelligence is the engine of the next generation of iGaming operations. It is present throughout the structure: data analysis, personalisation, automation, risk management, and content creation. Constantly investing in AI to make better decisions, detect fraud more efficiently, optimise campaigns, and enhance the player experience is part of innovation.

Developing Internally: A Strategic Mistake

Operators should focus on what generates value: user experience, acquisition, retention, and monetisation. Developing a PAM from scratch is expensive, slow, and requires highly technical teams. Even after years, it rarely reaches the maturity level of a ready, certified, and consolidated solution.

Although developing a proprietary solution may seem advantageous — for control or customisation — the hidden cost, risks, and development time make this choice dangerous. It can lead to up to 24 months of delay, risk of technical and security failures, excessive costs, regulatory risks, lack of certifications, and direct impact on revenue. Operators should focus on what generates value: user experience, acquisition, retention, and monetisation. Developing a PAM from scratch is expensive, slow, and requires highly technical teams. Even after years, it rarely reaches the maturity level of a ready, certified, and consolidated solution.

Over more than 20 years, we’ve seen well-intentioned operators invest in their own systems and realise, too late, that they could have launched months earlier with fewer risks and superior results using a validated solution — and this is certainly a strategic mistake.

There is no room for improvisation in regulated environments. Processes must be rigorous and auditable. Many companies come to us in technical collapse after failed attempts to develop their own system.

Focus on What Matters

Successful operators focus their efforts on acquisition, engagement, and retention. The technological foundation is not their core — it’s ours.

Operating in Brazil requires more than haste: it requires preparation, regulatory knowledge, and technology that keeps pace with the sector’s complexity. PAM is the starting point. And when well-structured, it defines the success of the journey.

A Safe Path Begins with the Fórmula-Bet. Discover Salsa Technology

Salsa Technology is a B2B provider of technological solutions for iGaming, with a strategic focus on Latin America and a consolidated presence in Brazil. Our expertise in regulated environments led us to create the Fórmula-Bet, a robust ecosystem developed to fully meet the technical, legal, and operational requirements of the Brazilian market.

With full compliance with SIGAP and adherence to SPA standards, Fórmula-Bet brings together the main components necessary for a safe and efficient entry into the regulated market:

• Salsa Omni: certified, scalable, and ready-to-operate PAM platform
• Salsa Gator: game aggregator with over 19,000 titles from 110+ providers
• Salsa First: sports betting solution ready for the Brazilian market
• Native integrations with payment methods (PIX, boleto, digital wallets), CRM, KYC, anti-fraud, and promotional tools
• Certified and curated content focused on performance and cultural suitability
• Integrated modules for marketing, retention, bonuses, and automation

More than a technology provider, we are a strategic partner. With multidisciplinary teams and experienced industry professionals, we offer close and specialised support, from conception to operation.

Operating with Salsa means starting with confidence, evolving with security, and scaling intelligently.

Fórmula-Bet is the ideal foundation for operators who wish to conquer the regulated Brazilian market with speed, solidity, and long-term vision.

Discover this and other solutions at: salsatechnology.com | formula-bet.com

Peter Nolte is CEO of Salsa Technology. With over two decades leading projects in the online gaming sector in Latin America, he leads the company with a focus on innovation, regulation, and international expansion.