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O Open Finance allows financial institutions to operate in different profiles within the ecosystem, according to its business model and level of technical responsibility.
Each profile defines obligations, integration capabilities, and specific regulatory requirements
On the platform Platform, Your institution receives Full support for operating on any profile. with security, compliance and flexibility.
The simple and straightforward way to trigger payments in Open Finance., without intermediaries and without friction.
ITP is the profile that allows you to start. payments directly from the user's account, With consent and security, without needing to hold the money in custody or redirect the client to the bank.
With the Journey Without Redirection (JSR), Payment happens within your own environment — simple, fast, and with higher conversion rates.
Fewer barriers. More control. More conversion.
The user pays directly on your platform with just a few clicks. More simplicity, less abandonment.
Cut out intermediaries. Start transactions with Pix and reduce costs.
Create integrated financial experiences and offer payments as a service without needing to become a bank. Explore new business models.
Manage the entire payment journey, from initiation to authentication, with autonomy, security, and API integration.
The essential role in enabling payments in Open Finance.
The Account Holder Executes payments initiated by ITPs.
This is the institution that holds users' checking and payment accounts — and where financial transactions actually take place.
The Opus Open Finance Platform offers Everything your institution needs to act as an Account Holder. In a comprehensive way: a robust, scalable structure ready to serve with
Stability and performance, from day one.
Your institution authorizes transactions initiated by PISPs, maintaining full visibility and control over financial flows.
Expand your participation in Open Finance by connecting with payment initiators and driving new business models.
Offer a seamless and modern customer experience, without redirection to external environments.
Monitor the entire operation with dashboards and reports that help your institution make strategic, data-driven decisions.
Operations 100% aligned with the financial regulator's requirements.
Share data securely and connect your institution to the Open ecosystem. Finance. Count on an infrastructure prepared to meet regulatory requirements from day one!
Securely fulfill requests from recipient institutions based on customer consent. Our solution ensures full compliance, control over operational limits, and reliable data delivery.
Access customer data, with consent, in a structured and standardized way, enabling smarter offers, faster onboarding, and more efficient credit analysis.
Position your institution as a leader in the new Open Finance credit model.
A Credit Portability The Brazilian Open Finance program represents an innovation in the credit portability process between financial institutions.
Through this profile, your company can propose or receive portability requests based on standardized, secure data that has been digitally consented to by customers.
The portability journey is carried out 100% via APIs., reducing bureaucracy, improving the consumer experience and increasing competition in the credit sector.
The portability journey is completed through standardized APIs, without paperwork or manual steps.
Structured data access enables more competitive and targeted offers.
As the original creditor, your institution can quickly present counter-offers and avoid losing customers.
Full compliance with the financial regulator's requirements regarding data portability and consent.
