Money is a commodity. Execution is the edge.
For fintechs, SCDs, IPs, asset managers and brokers: intraday liquidity, multi-bank reconciliation at scale, Bacen regulatory compliance, and credit analysis via SCR-Bacen.
- Intraday liquidity
- Bacen compliance
- SCR-Bacen
- 24/7 Pix
Regulated operation, real time.
24/7 intraday liquidity
Pix, SPB, CIP — balances never sleep.
Bacen compliance
Circulars, resolutions, tight deadlines.
Regulatory reporting
CRDC, Cosif, Focus, STR — all integrated.
Bacen cybersecurity
Resolution 4658, ISO 27001, SOC 2.
Credit analysis at scale
SCR-Bacen, Open Finance, Serasa, Boa Vista.
Multi-rail reconciliation
Visa, Master, Elo, Hipercard — each with its own flow.
LGPD + bank secrecy
Two regimes, one operation, zero margin for error.
AML/CFT and sanctions
COAF, restrictive lists, continuous monitoring.
Finance team with regulatory DNA.
Regulated treasury
Intraday liquidity in SPB, CIP, Pix. Automated Bacen reporting. Covenant monitoring. Periodic stress tests.
Payments at scale
Mass payment of benefits, claims, commissions. Pix DICT validation. Bacen-grade fraud prevention.
Credit analysis
SCR-Bacen, Serasa, Boa Vista, Open Finance. Automated decisions in minutes. Regulatory explainability.
Financial-institution payroll
CLT payroll + complex variable comp (ICM, bonuses, cooperative stock options).
Regulatory reporting
Cosif, DRM, STR, Focus. Board and committees. Internal audit + external + Bacen supervision.
Credit fintech with R$ 2B active book.
6 months with Kobana Team connected to SCR-Bacen, Serasa, and Open Finance.
Connected to the Bacen ecosystem.
SCR-Bacen
- Credit analysis
SPB / CIP / STR
- Payments
- Interbank chamber
- Reserves
Open Finance
- Full ecosystem
Pix
- Bacen certification
- DICT
- Refund
COAF
- Suspicious operation reports
Core banking
- Temenos
- Finacle
- Proprietary core
Aligned with industry standards.
- Bacen Resolution 4658 — cybersecurity and outsourcing
- Circular 3909 — data processing
- Law 9613 — AML/CFT
- Law 13709 — LGPD
- BCB Resolution 137 — Pix governance
- ISO 27001 and SOC 2 Type II
Browse other industry solutions.
A regulated operation can't wait for a nightly batch.
Book a session with our Compliance Officer — we'll align Bacen requirements and the technical contract before any POC.