The only agentic payments MCP in the world with native integration to 1 billion transactional accounts, regulatory-grade security, instant settlement and no chargebacks.
MCP + Pix + Biometrics. Easy. Universal. Secure.
An MCP server that lets your AI agents initiate Pix payments on the user's behalf, with biometric approval on every transaction.
Same MCP everywhere: Chat LLM — WhatsApp / messaging apps — in-app conversational — in-app non-conversational — headless backend agent.
Pick the best format for your app: Hosted on the Iniciador domain, white-label at pay.cliente.com.br, in-app SDK modal or headless.
Runs on your own license or on Iniciador's ITP license. Headless authorization available only on your own license.
Instant payment in your agent's flow.
JSON-RPC endpoint over HTTP, idempotency, tenant scoping. Four rendering modes, five channels, two operating modes — same contract across all.
Agent initiates and proposes — User authorizes
Tools to create authorizations, propose payments and confirm recipients via DICT. The agent never moves money on its own — the human approves every Pix.
1 billion enabled accounts
Your agent ships ready to make payments from 95% of Brazilian accounts that accept Pix — checking, savings or payment accounts.
Security by design
Biometric approval via FIDO2 with a cryptographic key bound to the device. Immune to phishing, replay attacks and compromised agents.
1 authorization — 'n' payments
User authorizes their device once in the agentic flow, and payments go through without ever opening the bank app.
Layered defense against malicious agents
Recipient identified. User always confirms amount and recipient in Iniciador's interface — not the agent's. Anti-spoofing by default.
Immediate Pix and Scheduled Pix
Supports immediate Pix and scheduling up to 90 days out — instant settlement at execution, no re-authorization needed.
Channel flexibility. Flow with human-in-the-loop approval.
Built on the FIDO2 biometric authentication protocol and powered by Open Finance, with a single authorization for multiple payments, approved one by one.
Agent proposes via MCP
Agent sends a QR Code, Copy-and-Paste code or Pix Key with an amount. Iniciador renders a confirmation interface with the amount and recipient details and returns it to the channel — WhatsApp, in-app, chat LLM or email.
User approves with biometrics
User checks recipient and amount in an interface generated by Iniciador, authorizes with Face ID/Touch ID. The FIDO ceremony happens on the device — credentials never travel.
Bank validates and Pix settles
JSR-signed payload goes to the paying bank. The bank validates and processes the payment under the Pix scheme. The customer receives a webhook with HMAC signature + replay protection.
Build the future of finance. Today.
While the world tries to create programmable money in fragmented and complex ways, Brazil solved it simply, securely, cheaply and universally with Pix. Every transactional account is equivalent to a 'tokenized deposit'. What's your next move?
Intelligent financial assistant
The user chats, the agent handles money management and executes payments. Each payment is authorized with biometrics without leaving the channel.
Billing via WhatsApp
Send payment links inside WhatsApp; the payer approves with biometrics. 100% conversational, zero domain hop.
Checkout in a conversational app
Super-apps with an AI assistant. User asks in chat, agent closes the payment via in-app SDK modal — without leaving the app, without losing context.
PixClaw
Plug-and-play MCP for user agents in Claude, ChatGPT, Gemini, OpenClaw, Hermes or model of choice. First native Pix available.
Agentic Pix is live
Available for regulated institutions and fintechs building the future of Brazil's financial system.