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CasesCrypto asset payments

Deposits and withdrawals reconciled and posted to the books

Transfero runs crypto asset deposits and withdrawals across hundreds of bank accounts. Statements arrive through Open Finance, each transaction is classified and reconciled, and the entry goes by API to Athenas, the company's accounting system.

Transfero
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From source data to result

  1. 1Open Finance
  2. 2Classification
  3. 3Reconciliation
  4. 4Athenas
transactions handled
10M+
of accounting classifications automatic
98%
saved per month on statements and data entry
80 h
estimated payback
6.5 months

The challenge. Crypto asset payments.

In a crypto asset payments operation, every customer deposit and withdrawal becomes a bank movement in reais: incoming Pix, outgoing Pix and the fees on each one, spread across hundreds of accounts. Closing the books requires knowing what each statement line is (pay-in, pay-out, transfer between own accounts or fee) and posting it to the right ledger account. By hand, that means downloading statement after statement and typing.

From statement to accounting entry
Example
Statement (Open Finance)Entry in Athenas

  • Pix received

    R$ 12,400.00

    Classified

    Pay-in

    Customers to settle

  • Pix sent

    R$ 8,150.00

    Classified

    Pay-out

    Customers to settle

  • Pix fee

    R$ 1.20

    Classified

    Bank expense

    Fees

  • TED between accounts

    R$ 50,000.00

    Classified

    Internal transfer

    Banks

  • Pix received

    R$ 3,000.00 · unidentified

    Review

    To classify

Sample data, to illustrate the flow.

How it was done. The project, in 3 workstreams.

  1. Bank connection via Open Finance, with the statements of every account consolidated and the fees split out.
  2. Payment initiation regulated by the Central Bank of Brazil, with transactions created and approved via Pix.
  3. Classification with AI and configurable accounting rules, and automatic export of the entries to Athenas.

What stays visible. Set apart for the people who operate.

  • Fees split out of each transaction
  • Pay-in, pay-out and transfers identified
  • Entries logged by account, date and cost center

Other cases

“We integrated Open Finance in one sprint. The documentation answers before we need to ask.”
Marina DuarteHead of Engineering, credit fintech
“The reconciliation that took the team two days now runs on its own.”
Rafael AntunesCTO, retail chain

Teams from fintechs, retail and accounting already integrate with Openi.

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Build your reconciliation. With the same calls.

The cases use documented endpoints only. Request access and run the flow with your own operation's data.

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