Voluntary participations

Product Infrastructure

New products and experiences on Open Finance — from Brazil's #1 payment initiator to bank data reception that reduces friction and fraud in every journey.

Market share
#1
Brazil's initiation infra
Volume
1 in 3
Pix initiations in Brazil
Conversion
95%
With Biometric Pix
Voluntary participations

Launch products on Open Finance. No overlap with legacy. No building from scratch.

Ready to scale on the country's largest integration base — on the infra that processes 1 in 3 Pix initiations in Brazil.

#1 in volume · Brazil

Payment Initiator

The initiation infra with the highest volume and conversion in Brazil. 1 in 3 Pix initiations in the country run on our rails.

Pay with Your BankSmart PixBiometric PixTap-to-Pay PixAutomatic Pix
Market-leading conversion
95% with Biometric Pix vs. ~75% on copy-and-paste Pix
Embedded ITP anti-fraud
Device intelligence, behavioral signals, and risk scoring
5,000+ TPS in production
Distributed infra with sub-second latency
Phase 2 · OFB

Data Receiver

Receive your users' bank data held at other institutions to reduce friction in onboarding, credit, and KYC.

Financial DataExpress SignupBalance Validation
Instant onboarding
Pre-filled signup with official bank data
Transactional and registration data
Consented history for credit and anti-fraud
Real-time balance validation
Cuts chargebacks and defaults before billing
Operação gerenciada

Full operational support. You focus on the product, not the operation.

Incluso em todas as licenças
Regulatory
  • Regulatory onboarding
  • Certifications
  • Brand registration
  • Regulatory reports
  • PCM · FVP · MQD
Technical
  • Regulatory adaptations
  • White-label interfaces
  • FAPI OP/RP
  • ITP anti-fraud
  • Permanent logs · Pilots
Operational
  • Service Desk management
  • Directory management
  • Proactive monitoring
  • Implementation guides
  • Back office

Especializado em cada papel. Operação escalável, gerenciada de ponta a ponta.

Suporte de implementação

Accelerate launch. With our Expert Teams.

Two models to build on our infra — from strategic guidance to embedded execution with dedicated engineers.

Open Finance
Strategists
Included

Enablement consulting to identify use cases, design journeys, and orchestrate the go-live of your products.

  • Mapping use cases and activation by vertical
  • Designing journeys optimized for conversion
  • Benchmarks and best practices from our customer base
  • Accelerated time-to-value without growing internal headcount
Open Finance
Full Stack
Optional

A team of engineers embedded at your institution to build, integrate, and scale products on our infra.

  • End-to-end feature development and integrations
  • Legacy migrations with no product downtime
  • Compliance monitoring and continuous adaptation
  • Operational support across every contracted participation
Compliance MonitorResident Engineers

The largest product infra
in Open Finance Brasil.

Meta, Stone, iFood, PagBank, Magie — the companies defining the next generation of financial products in Brazil run on our stack.