See the full customer and originate more credit.
Your customers hold accounts at six other banks. Open Finance connects you to all of them in real time. Originate more and win primary-bank status — without the technical and regulatory overhead.
Data turned into results. Originate more credit. Cut fraud.
Brazilian Open Finance is the largest in the world — 200 million active consents. Banks have already made onboarding, credit and fraud prevention Open Finance-first. It's no longer a promise; it's a result.
Credit originated with Open Finance data analysis. Immediate and precise eligibility assessment, with real-time data.
Less fraud with risk models built on real transactional data, validated by the source bank.
The number of banks per Brazilian. Whoever aggregates that data becomes the customer's primary bank.
Better decisions at every step. From signup to collections.
The same consent flow feeds more than 10 decisions across your institution — from account opening to multi-bank financial management. Iniciador backs you at every step.
Onboarding
Fill the signup form with data your customer's bank has already validated. Fewer fields, less abandonment.
More than infra, operational results.
Beyond the infrastructure that receives data from across Brazilian Open Finance, we own the quality and continuity of your data access — around the clock.
Partners building the future.
“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.”
Enable Open Finance. Without the weight of Open Finance.
Data Receiver participation operated end-to-end — authorization server, consents, SDK and ongoing Open Finance compliance updates, under your license.