Developers
Build with the OpenCo API
Brazil's largest Embedded Finance platform, specialized in flexible and integrated credit solutions.
Solutions Available via API
What you can integrate
Solutions
CaaS — Credit as a Service
Enable companies to embed customized credit products via API integration or digital portals, with full credit lifecycle management.
- Digital Onboarding & KYC with 100% digital identity validation
- Multiple credit products: personal loans, working capital and receivables-backed financing
- Automated credit analysis with proprietary models and Open Banking integration
- Customizable origination for pre-qualified customers
- Full lifecycle management: from onboarding to securitization, with portfolio monitoring
- Flexible policy configuration, jointly or separately with partners
Solutions
BNPL — Buy Now, Pay Later
Instant checkout financing with customizable experiences via API or landing pages, with real-time response.
- ~200ms latency in credit approval
- KYC & digital signature 100% online, integrated into checkout
- Flexible installments: interest-free (up to 3x) or financed (up to 12x)
- Payments via Pix, direct debit and boleto, with integrated management
- Automated collections to reduce delinquency
- Fraud prevention with biometric verification and ISO 27001 certification
Infrastructure
Technical Differentials
Complete Documentation
Comprehensive API documentation with clear integration guides and ready-to-use examples.
Modular Architecture
White-label and modular platform, adaptable to different needs and integrable with proprietary or third-party systems.
Predictive Models
Proprietary database with advanced credit models and high-availability cloud infrastructure.
ISO 27001 Security
ISO 27001 certification with robust data protection, biometric verification and integrated fraud prevention.
Ready to integrate?
Access our complete API documentation, explore available endpoints and start building with Brazil's leading credit infrastructure.
api-docs.open-co.com