Open Finance
Open Finance API: your customers' balances, statements and investments in a single integration
Connect more than 800 institutions and receive standardized data, ready for your system. From R$ 279.90/month, with a free trial.
From R$ 279.90/month
- Free trial
- More than 800 institutions
Itaú
CHECKING_ACCOUNT
currentBalance
R$47,635.27
Credit card
R$ 3,184.40
open statement
Investments
R$ 212,540.00
CDB, 110% of CDI
Transactions
TRANSACTIONS_CREATED- PIXPix received+ 1,284.90
- BOLETOBoleto paid- 612.35
- TEDTED receivedPENDING+ 9,450.00
Clients and partners
Connected to the country's main banks
Security and LGPD
Data available
Accounts and balances
Checking and savings accounts, with current balance, automatically invested balance and overdraft limit.
Try it freeTransactions and statements
Pages of up to 500 records, date filters and incremental sync with createdAtFrom.
Try it freeCredit cards
Card institutions appear as connectors of type CREDIT_CARD, and each connector states the products it delivers.
Try it freeInvestments
Fixed income, funds, pension plans, stocks, ETFs and COEs, with historical positions and movements.
Try it free
Data ready for operations
Recalculated balances, investment events and standardized transactions: less data processing on your side.
- Format
- Without Openi: One statement layout per bank, each with its own parser.
- With Openi: Accounts, transactions and investments in the same schema, from any institution.
- Description
- Without Openi: The abbreviated history line, as the bank prints it.
- With Openi: A processed description, with the original descriptionRaw preserved.
- Operation type
- Without Openi: Inferred from the text of the history line.
- With Openi: operationType standardized into 18 types: PIX, TED, BOLETO, fees, yields and others.
- Counterparty
- Without Openi: A loose name in the middle of the history line.
- With Openi: payer and receiver with name, CPF or CNPJ, branch, account and ISPB, when the institution provides them.
- Investments
- Without Openi: Positions in a separate statement, per broker.
- With Openi: Current net value, historical snapshots and movements of each investment.
- Updates
- Without Openi: Someone downloads the statement every day.
- With Openi: Up to 4 or 8 automatic updates a day, depending on the plan, with a webhook for every change.
How it works
1Your customer authorizes sharing
Your backend creates a session at POST /v1/connect-sessions and sends the customer to Connect, which handles the institution, credentials and OAuth.
2Openi connects the institution
The customer returns to your redirectUrl with itemId and status. Credentials never go through your application.
3You receive the data through the API or by webhook
With the itemId you list accounts, transactions and investments through the API, and webhooks report every change.
4The data keeps itself up to date
The connection syncs automatically, several times a day depending on the plan, and fires TRANSACTIONS_CREATED.
This is how the data arrives
curl -X POST "$OPENI_API/v1/connect-sessions" \
-H "Authorization: Bearer $OPENI_API_KEY" \
-H "Content-Type: application/json" \
-d '{ "redirectUrl": "https://app.suaempresa.com.br/callback" }'
# The response includes the connectUrl.
# After connecting, the user returns to:
# https://app.suaempresa.com.br/callback?itemId=...&status=successUse cases
Bank reconciliation in the ERP
The statement arrives on its own and is matched with the ERP's entries. At Riocard, bank movements reconcile the transport operators' reimbursements and flow into SAP.
Read the Riocard caseFinancial management and cash flow
Balances and transactions of every account in a single format. Unisuam now sees its daily cash flow with 30 connected accounts.
Read the Unisuam caseAccounting without OFX files
Statements, fees and yields arrive ready to classify, without asking the client for a file. The SolarGrid group exports its entries straight to MXM.
Read the SolarGrid caseCredit analysis
Inflows, outflows, operation type and counterparties of every transaction, with the account holder's consent, to assess income and ability to pay.
Transaction fields
Your customer decides what to share and for how long.
Openi is a technology company and does not claim its own Central Bank authorization. Open Finance operations take place within the contracted scope and the applicable rules, with participating institutions and providers.
- Account holder consent
- The customer picks the institution and authorizes access in Connect. Credentials and OAuth never go through your application.
- Sessions that expire
- A connection session lasts from 1 to 60 minutes, and its key gives no access to account data.
- Revocation through the API
- Deleting the item ends the connection, and the ITEM_DELETED event tells your system.
- LGPD
- Openi processes the data as an operator, with a published DPA, privacy policy and incident response plan.Security and compliance
Plans from R$ 279.90/month
Starter
R$ 279.90/ month
Commercial use
50 active consents included
R$ 5.00 per additional consent / month
- Checking account and investments
- Up to 4 automatic updates per day
- Ticket support
Professional
RecommendedR$ 629.90/ month
Commercial use
250 active consents included
R$ 4.00 per additional consent / month
- All supported products
- Up to 4 automatic updates per day
- Ticket support
Premium
R$ 839.90/ month
Commercial use
500 active consents included
R$ 2.00 per additional consent / month
- All supported products
- Up to 8 automatic updates per day
- Ticket support
Enterprise
On request
Commercial use
Custom number of active consents
Additional consents negotiated
- All supported products
- Custom update frequency
- Forced extra updates as contracted
- Direct connectors included, according to contracted coverage
- Support through a direct channel
- Multiple payment methods
CaseBank accounts
4,000 bank accounts tracked through Open Finance
Fiotec reads 4,000 bank accounts through Open Finance, with thousands of transactions a month. Balances and transactions from every institution arrive in the same format, with the account holder's consent, and feed financial control with no statement downloaded by hand.
- accounts connected via Open Finance
- 4K
- of transactions read per month
- Thousands
Bank A · Project 01
Checking account
ConnectedBalance and transactions
Up to date
Bank B · Project 02
Checking account
ConnectedBalance and transactions
Up to date
Bank A · Project 03
Investment
ConnectedBalance and transactions
Up to date
Bank C · Project 04
Checking account
RenewConsent
Renewal due
Sample data, to illustrate the flow.
Frequently asked questions
What is Open Finance?
It is the system regulated by Brazil's Central Bank in which customers authorize the sharing of their data between institutions. With Openi's API, your application receives that data, with the account holder's consent, in a single format.
Which institutions are available?
More than 800 institutions participating in Open Finance. The up-to-date list, with each one's products, comes from the connectors endpoint.
What data do I get?
Accounts with balance and limit, transactions with operation type, payer and receiver, and investments with positions, snapshots and movements. The plans state which products are included.
Does my customer need to authorize it?
Yes. Every connection starts with the account holder's consent, given in Connect. The customer can revoke access, and your system is told by webhook.
Do I need a Central Bank license?
Your application consumes Openi's API; the connection with the institutions takes place within the contracted scope and the applicable rules, with participating institutions and providers. For your specific case, talk to sales.
How does the free trial work?
You request access, our team unlocks the trial within 24 hours and you test the API with your own accounts before subscribing to a plan.
How much does it cost after the trial?
The commercial plans cost R$ 279.90 (50 active consents), R$ 629.90 (250) and R$ 839.90 (500) per month, with each additional consent from R$ 5.00 down to R$ 2.00. Enterprise is priced on request.