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.
“The big technology waves of the moment are AI and Open Finance. Together they enable hyper-personalized experiences that go beyond the transaction. Open Finance in Brazil is the best environment in the world to build this, thanks to stable APIs and Central Bank regulation.”
“I know what it takes to build banking infrastructure from scratch — it took nine months at Guiabolso. With Iniciador, I had it solved in three days.”
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.