Meet Karin — your AI collections specialist who doesn't let customers forget to pay.
From invoicing to reconciled posting, from smart dunning to autonomous deals on WhatsApp. Karin cuts DSO without burning relationships.
DSO −8 to −15 days. +30% collection rate. 45-50% of deals closed without a human.
Collections that convert without burning relationships.
Automatic Pix and boleto matching
90% touchless cash application. Karin interprets messy free-text fields, Pix with a CNPJ different from the payer, remittance in PDF and email.
WhatsApp collections that convert
Copy personalized per customer profile. Understands “paying Thursday” and distinguishes a promise from an excuse. 3x more contacts per analyst.
Credit analysis that protects revenue
Lookup across SCR-Bacen, Serasa, Boa Vista and Kobana's bank connection platform. Dynamic limit per customer. Approval from weeks to minutes. 98% hit rate.
Autonomous negotiation with guardrails
Offers within discount policy, LGPD and CDC (Brazilian consumer code) respected. 45-50% of deals closed without a human analyst.
The full collection cycle, from invoicing to recovery.
Cash application
- Automatic matching of Pix, boleto and TED
- Matching by txid when available
- Interpretation of messy free-text fields
- Remittance in PDF and email
- Fuzzy matching by amount and date
Smart multichannel dunning
- Pre-due cadence (friendly reminder)
- Escalating post-due collections
- Channels: email, WhatsApp, SMS, phone call (via Retell, Moveo)
- Copy personalized per customer
- Interpretation of natural-language replies
Predictive prioritization
- Default score per customer
- Prioritized collector worklist
- 30-day advance identification
- Integration with Serasa, Boa Vista, Quod, SCR-Bacen
- Score explainability
Autonomous negotiation
- Opening offer within policy
- Multi-turn conversation
- Installments, discount, new due date
- D4Sign / Clicksign integration for acceptance
- Immediate Pix to close the deal
Credit analysis
- New customer onboarding with KYB
- Initial limit with Serasa / Boa Vista / SCR-Bacen
- PDF balance sheet reading
- Credit memo generation
- Dynamic limit with Kobana's bank connection platform
Disputes and deductions
- Automatic deduction detection
- Validation against contract and invoice
- Integration with portals (Ariba, Coupa, Nimbi)
- Response drafting
- Escalation when needed
Receivables forecast
- Invoice-by-invoice projection
- 85-95% accuracy at 30 days
- Integration with Kevin's cash forecasting
- Variance explainability
Interest, late fees and correction
- Automatic application on partial payment
- Customer intent interpretation
- IGP-M/FGV calculation
- Integration with Kobana issuance
EIPP (Electronic Invoice Presentment)
- NF-e / NFS-e issuance
- Delivery via email with boleto/Pix
- Registration in RCB (Brazilian Central Boleto Registry)
- Customer self-service portal
- Automatic rejection correction
Omnichannel AR inbox
- Email, WhatsApp, phone
- Status inquiry resolution
- Boleto re-issuance
- Due date change (within policy)
- Human escalation in complex cases
Karin running in one business day.
- 01Connect the receivables book (30 min)
Kobana boleto/Pix (native) or another gateway. Karin reads the open book.
- 02Configure the dunning cadence (1h)
Pre-due: 5 days, 1 day. Post-due: 1, 5, 10, 30 days. Channels and tone by customer (premium, standard, recurring delinquent).
- 03Discount and deal policy (30 min)
Max discount? How many installments? Limit of autonomous negotiation (e.g., up to 15% discount without human approval)?
- 04Connect channels (1h)
Corporate email. WhatsApp Business via Meta Cloud API. Phone (optional, via Retell).
- 05First week in review mode
Karin prepares the messages, you approve. In week 2, messages within policy go out on their own.
Where Karin pulls from and where she acts.
What changes in collections.
| Metric | Before | With Karin |
|---|---|---|
| Average DSO | Baseline | −8 to −15 days |
| Cash application touchless | 70% (RPA) | 90-96% |
| Contacts per collector / day | Baseline | 3x more |
| Deals closed without a human | 0% | 45-50% |
| Credit analysis | Weeks | Minutes |
| Bad debt | Baseline | −75% |
What Karin needs to know to collect properly.
- Credit policy (limit, approval rule)
- Collections policy (cadence, max discount, settlement)
- Customer tiers (premium, standard, delinquent)
- Contracts with collection clauses
- Payment history per customer
- Seasonal calendar (Black Friday, harvest)
- LGPD and CDC guardrails
Payment patterns per customer (“João pays 4 days after due date”), recurring reasons for delay, acceptance rate per message tone.
A day of AR at a B2B SaaS company.
- 08:00
Karin messages the CFO on WhatsApp: “23 boletos due today. 19 already paid overnight. 4 open. Sent a friendly reminder at 7am. Will wait until 11am before escalating.”
- 11:00
2 of the 4 paid. Karin calls (via Retell) the other 2. 1 pays on the spot with Pix. 1 asks for 5 days. Karin offers a 2-installment deal within policy — customer accepts. Deal signed via D4Sign. Karin posts it in the ERP.
- 13:00
A Pix arrives from customer Y for R$ 23,540.12, but with free-text “payment April”. Karin cross-checks open titles, finds 3 possibilities, applies partially to the highest-value one and emails the customer for confirmation.
- 14:00
New customer under analysis. Karin checks SCR-Bacen, Serasa and Kobana's bank connection platform. Score 680, no restriction, sufficient cash. Suggests a R$ 50K limit, automatic approval.
- 16:00
Customer Z disputes a deduction in the Ariba portal. Karin reads the reason, cross-references the contract and invoice, identifies the deduction is valid (monthly contractual discount). Accepts the deduction, notifies the controller and sends a summary to the CFO.
- 18:00
Karin closes the day: projected DSO dropped 0.4 days, R$ 42K recovered in today's collections, R$ 1.2M in new limits approved, 1 dispute resolved.
What our customers are measuring.
Serious collections don't end up in court.
- LGPD — clear legal basis, specific purpose, right to object
- CDC (consumer code) — permitted hours, no public exposure, no harassment
- Bacen — financial institution collection rules where applicable
- Separation of duties — agent collects, human approves policies
- Doesn't call after 8pm
- Doesn't send WhatsApp on weekends outside B2C
- Doesn't collect on disputed amounts without resolution
- Doesn't use threatening language
- Every contact logged for audit
Frequently asked questions.
Does it work for B2C collections?+
Yes. CDC and permitted hours respected. Boletos, Pix, recurring card.
What about SaaS with recurring billing?+
Yes — cadence adapted for MRR, churn recovery, card declined.
Does Karin handle judicial collections?+
No, but she prepares the dossier for legal with all the evidence.
Can I customize the tone of voice?+
Yes. Customer tier × channel × moment in the cadence.
Does it integrate with Serasa for credit bureau reporting?+
Yes, as the final step of the cadence, with human approval.
What about Pix Automático (BCB 402)?+
Integrated. Karin suggests converting recurring boleto billing to Pix Automático.
Karin doesn't work alone.
Ready to cut DSO by 10 days?
Book a chat and see Karin collecting, reconciling and closing deals with your own data.