The infrastructure that scales Open Finance in Brazil.
Stay in compliance. Connect accounts. Initiate payments.
Enable Open Finance — without the weight of Open Finance.
1 in 3 Pix initiations in Brazil run on Iniciador
Iniciador is the partner of choice for | |
Full-service platform.
Brazil's most complete Open Finance stack.
Services included
with the infrastructure.
Focus on your product. We handle the regulatory maintenance of Open Finance for you — better than any AI.
Start with the Iniciador License to test and launch products fast.
Migrate to Your License when you want — no rework, no new integration.
Open Finance without the headache. A consultant always by your side. We guide your team through every step — or do it all for you.
Enablement consulting
Open Finance experts helping your team generate value
- ✓Mapping business objectives to the right participations
- ✓Guided implementation process and full infrastructure setup
- ✓Identifying the highest-value payment and data use cases
- ✓Accelerate time-to-value without growing internal headcount
Embedded engineers + Monitoring
Offload the technical overhead and free up headcount
- ✓Integrations, regulatory processes, and vendor migration
- ✓Monitoring of technical-regulatory updates
- ✓Full regulatory adaptation to internal systems
- ✓Continuous technical enablement of new internal products
Continuous
support.
Our Strategists and Resident Engineers handle maintenance and help your product team extract maximum value from Open Finance.
You take on the overhead of:
- ·Tracking 50+ Open Finance Brasil updates per year
- ·Resolving ecosystem tickets and running a Service Desk
- ·Applying fixes requested by Monitoring
- ·Operating FAPI, MQD, FVP, PCM and permanent logs
- ·Carrying regulatory Open Finance at the expense of your product
You focus on your product, while we:
- ✓Track and ship every update
- ✓Our team is your Service Desk
- ✓Run the process end-to-end
- ✓Already operate in production across every customer
- ✓Support your product team with our experience
Our Strategists guide your implementation and support your product team with consulting.
With Full-Stack, we also run integrations and adaptations — never deal with tickets again.
Become Open Finance-first. Be your user's primary interface. Move the conversion needle on your payments. Sharpen risk models.
For regulated and non-regulated entities. Market-defining products, integrated as a platform.
Don't settle for generic clones — Iniciador led the creation of the regulatory standards.
Scale your operation. Cut costs. Ship fast.
Free your team from regulatory weight — and tickets.
Infra, monitoring, tickets, and updates. We solve the headache, you save money, and your team focuses on what matters.
Launch new Pix modalities in record time.
New Pix modalities in production at leading players, with up to 95% payment conversion and go-live in weeks.
The infra for tomorrow's financial products.
AI financial assistants, agentic payments, and intelligent financial management — enabled by the best infra in the market.
What our partners say
“Iniciador is the Open Finance benchmark and sits at the technical frontier. They were the first player to launch Smart Pix, letting Magie become a real bank inside WhatsApp. We now design product together with the Iniciador team — and the partnership has delivered great results.”
“Iniciador has become a strategic ally for Stone, running our Open Finance end-to-end — technology, regulatory, monitoring, and service desk — without the headache.”
Enterprise-grade security.
Your users' consents belong to you, not to your competitors. Privacy protection is a foundational principle at Iniciador. Our security policies reflect that commitment.
Visit our trust centerAnnual security controls audit.
International standard for payment data.
Active in open identity governance.
Federated authentication available for your applications.
Try it now. In production.
Donate by approving straight in your bank app
Pick the cause that moves you, choose how much to give, and send a feel-good Pix through Open Finance.
See how long you've been a client of your bank
Share just the registration data from your account via Open Finance and see the day your account was opened.
your dataShare data
Still have questions?
Schedule a call. We're here to support you — and we're Open Finance specialists.