I'm a MEI (individual microentrepreneur). Do I also need this digital certificate thing?

It depends on what you do. Many MEIs run their business with just the Gov.br account, no certificate, especially when they only issue service invoices through the national issuer. But to issue an electronic invoice for products (NF-e), the e-CNPJ certificate is usually mandatory, and the rule can vary by state. In other words: not every MEI needs one, but many end up needing it as they grow. TF Con reviews your case and tells you right away whether it's worth having, so you don't pay for something you're not using yet or get stuck when you need to issue an invoice.

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