Nubank, the digital bank that fundamentally changed banking in Brazil, has finalized a dual regulatory strategy to both solidify its massive domestic operation and secure a path for its expansion into the North American market. The company recently completed the acquisition of Banco Porto Real de Investimentos S/A in Brazil to integrate a full banking license into its conglomerate, while simultaneously receiving conditional approval from the US Office of the Comptroller of the Currency (OCC) to establish a *de novo* national bank in the United States.