Underwrite on real income, not a score.
Real-time bank data from any bank, standardized and validated at the source. No scraping, no PDFs, no typing.
Financial history. Persistent access.
Connect to receive data shared by your user in real time. Registration, transaction history, invoices, contracted products. In the Open Finance standard.
- IdentificationName, CPF/CNPJ, documents, parentage, address and contact — individuals and companies.
- QualificationIncome, revenue, assets and occupation declared to the bank.
- RelationshipContracted products, account age and start of the banking relationship.
- AccountsReal-time balance, limit and statement — up to 12 months of history.
- CardsLimit, invoice, transactions and masked identification.
- CreditLoans, financing and advances — rates, collateral and terms.
- InvestmentsCDB, LCI/LCA, equities, funds and Treasury — positions and returns.
- FXForeign-currency operations — rate, VET and classification.
Credit beyond the score. Tune your risk models. Automate.
Understand your customer deeply — and find out the moment something changes. Identify their recurring income, spending patterns and ability to pay.
Credit beyond the score
The score is a snapshot of the past. Decide with proven income, real balance and cash flow — approve more, with fewer defaults.
Anti-fraud and KYC
Validate identity and ownership against the bank's records. Data validated at the source can't be faked.
Financial management
Aggregate the user's accounts across every bank in a single view. Be the app where they see all their money.
Agentic and AI products
Build financial assistants and models with real financial context at all times, enabling timely recommendations whenever something changes.
Instant decisions. Control. Security.
The user consents once. Iniciador receives, normalizes and delivers the data — all through a single API.
The user agrees to share
The user selects their bank, authorizes in the app and returns to your interface to confirm.
Data arrives in real time
The sharing authorization stays valid for as long as the user allows.
You apply it to your journey
Credit, onboarding, anti-fraud, PFM — a single API, with a 360° view of the customer.
Data that generates insights. Pix that acts on them.
With Open Finance, financial management is READ/WRITE. Use it together with Smart Transfers and move money programmatically. Together, they are the infrastructure of intelligent financial assistants.
Reads and understands the customer's money — balance, income, behavior — in real time.
Sweeps money across the customer's accounts over Pix, under the business rules you define.
Together: the infrastructure of financial assistants that act on the user's behalf.
See Smart Transfers“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.”
Plug into the new generation of analytics and management.
Eight dimensions of consented data, from 100+ institutions, through a single API.