EnglishEnglishOpen Finance enables financial institutions to operate across different profiles within the ecosystem, based on their business model and level of technical responsibility.
Each profile defines specific obligations, integration capabilities, and regulatory requirements.
With the Opus Open Finance platform, your institution gets full support to operate securely, compliantly, and flexibly across any profile.
The simple and direct way to trigger payments in Open Financ, without intermediaries, no friction.
The PISP profile enables payment initiation directly from the user's account, securely and with their consent. No need to hold funds in custody or redirect the customer to their bank.
With the Redirect-free Journey (JSR), payments happen entirely 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 PISPs.
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 ASPSP: a robust, scalable structure ready to deliver stable, high-performing service 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 and connect your institution to the Open Finance ecosystem, with infrastructure ready to meet regulatory requirements, always!
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.
Opus takes care of the infrastructure so you can focus on strategy.
Position your institution as a leader in the new Open Finance credit model.
Credit Portability in Open Finance represents an innovation in how credit is transferred between financial institutions. Through this profile, your institution can propose or receive portability requests based on standardized, secure data — digitally consented to by customers.
The portability process is carried out 100% via APIs, reducing bureaucracy, improving the consumer experience, and increasing competition in the credit sector.
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.
