EnglishEnglishOpen Finance allows financial institutions to operate in different profiles within the ecosystem, according to its business model and level of technical responsibility.
Each profile defines obligations, integration capabilities, and specific regulatory requirements
On the Opus Open Finance platform, your institution receives Full support for operating on any profile. with Security, compliance, and flexibility.
The simple and direct way to trigger payments in Open Financ, without intermediaries, no friction.
ITP is the profile that allows Initiate payments directly from the user's account., With consent and security, without needing to hold the money in custody or redirect the client to the bank.
With the Redirect-free Journey (JSR), Payment happens within your own environment — simple, fast, and with higher conversion rates.
Fewer barriers. More control. More conversion.
The user pays directly on your platform with just a few clicks. More simplicity, less abandonment.
Cut out intermediaries. Start transactions with Pix and reduce costs.
You don't need to be a bank or hold funds. Offer payments as a service and explore new business models.
Manage the entire payment journey with autonomy and security.
The essential role in enabling payments in Open Finance.
The Account Holder Executes payments initiated by ITPs.
This is the institution that holds users' checking and payment accounts — and where financial transactions actually take place.
The Opus Open Finance Platform offers everything your institution needs to fully operate as an Account Holder:
Structure robust, scalable and ready to serve with Stability and performance, from day one.
Your institution authorizes transactions initiated by PISPs, maintaining full visibility and control over financial flows.
Expand your participation in Open Finance by connecting with payment initiators and driving new business models.
Offer a seamless and modern customer experience, without redirection to external environments.
Monitor the entire operation with dashboards and reports that help your institution make strategic, data-driven decisions.
Operations 100% aligned with the financial regulator's requirements.
Share data Securely connect your institution to the Open ecosystem. Finance. Count on an infrastructure prepared for Meeting regulatory requirements from day one!
Position your institution as a leader in the new Open Finance credit model.
Credit Portability within Open Finance Brazil represents an innovation in the credit portability process between financial institutions.
Through this profile, your company can propose or receive requests portability based on standardized, secure, and consented data digitally by customers.
The portability process is carried out 100% via APIs, reducing bureaucracy, improving the consumer experience, and increasing competition in the credit sector.
Securely fulfill requests from recipient institutions based on customer consent. Our solution ensures full compliance, control over operational limits, and reliable data delivery.
Access customer data (with consent) in a structured and standardized way, enabling smarter offers, faster onboarding, and more efficient credit analysis.
The portability journey is completed through standardized APIs, without paperwork or manual steps.
Structured data access enables more competitive and targeted offers.
As the original creditor, your institution can quickly present counter-offers and avoid losing customers.
Full compliance with the financial regulator's requirements regarding data portability and consent.
