Building the future of Brazil's financial system.
Iniciador was born from the conviction that Open Finance Brasil is the biggest opportunity to redesign Brazil's financial system. Today, 1 in 3 Pix initiations in Brazil run on our infrastructure — and we're the only full-service platform on the market.
The infrastructure of Open Finance in Brazil.
We absorb the complexity so institutions have the capacity to build the next generation of Brazil's financial products.
Deepest read on bank behavior and the strongest conversion optimization.
iFood, Stone, PagSeguro, Cloudwalk, Wise, Nomad, Núclea, Magie, Jota — and many more.
We're a payment institution under the ITP modality, authorized by the Brazilian Central Bank.
Open Finance as agentic infrastructure. Pix as the base rail.
We believe the next generation of financial products will be multi-bank, programmable, automated, and operated by AI agents with explicit consent. Pix is the rail. Iniciador is the infra.
Programmable payments
Smart Pix as the technical base. Account sweeping that moves money automatically between accounts — by balance, rule, or event.
Consented data
Open Finance Brasil delivers standardized, validated data in real time. Replaces scraping, PDFs, self-declared data.
Agentic infrastructure
Next frontier: agent identity, consent brokers, autonomous payment. Iniciador is the player setting the standards.
How we operate. Four principles that guide every decision.
Principles aren't slogans — they're decision criteria. When trade-offs surface, we come back to these four.
Compliance is a feature
Being 100% aligned with BCB and OFB isn't overhead — it's the product. Customers hire us to take this off their plate.
Obsessive time-to-market
Every OFB update, every new product, every new spec — whoever ships first wins. Speed is competitive advantage.
Volume creates knowledge
1 in 3 initiations gives us data nobody else has. Continuous optimization grounded in real behavior, not guesswork.
Strategists at the core
We're not just an API. We operate alongside the customer — Strategists and Full-Stack are part of the delivery, not an add-on.
Build the future of Brazil's financial system with us.
As a partner or as part of the team — we build what's next together. Join us.