{"info":{"_postman_id":"bcc8719e-7945-48de-a271-e51ae34162bc","name":"cel_credit - Quick Starts","description":"

Hey dev, how are you doing? 🧑‍💻

Here's a fast pack for you get your first 200 using cel_credit APIs.

First of all

Understand the difference between originator and funding:

Originator 🏢
\n
- Represents the entity that originates credit operations (e.g., fintech, platform, correspondent).
  \n
- Role in the flow: Creates and operationalizes credit offers — registers operations and integrates with the platform.
  \n
- Example: A fintech offering personal loans through its app.
  \n
\n
Funding 💰
\n
- Represents the entity that provides the financial resources for the loans (e.g., FIDC, financial institution, investor).
  \n
- Role in the flow: Funds the operations by providing the money disbursed to the borrower.
  \n
- Example: A FIDC providing the capital for those loans.
  \n
\n

When use funding's access_token?

When you need to check the balance.
\n
When you need to check the transactions logs
\n
When you need to create a CNAB444 file
\n

QS folders

There are sequences and products that we consider the most common:

Personal Credit
\n
Business Credit
\n
Crédito Trabalhador (Privated Consigned)
\n
CDC or BNPL (Buy Now Pay Later)
\n
SCR Consult
\n

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Only for applications statuses updates

These webhook will always (no exception) send you a POST when an application status change.

POST e.g

{\n  \"payload\": {\n    \"application_id\": \"dc9f7774-4ec5-4876-a36e-0d89b8001bfc\",\n    \"status\": \"PENDING_SIGNATURE\"\n  },\n  \"createdAt\": \"2023-05-04T18:53:03.775698Z\",\n  \"type\": \"APPLICATION_STATUS_UPDATED\"\n}\n\n

FAQ

Can I choose specifics status? — No. All status will be sent.
\n
Can I choose another event? — No. Every change will be sent, whatever event.
\n

Statuses and definitions

Contract & Account Creation

AGREEMENT_RENDERING = 'Generating contract'
\n
CREATING_BENEFICIARY_ACCOUNT = 'Creating borrower account'
\n

Signature & Guarantee

PENDING_SIGNATURE = 'Waiting for contract signature'
\n
SIGNATURE_ERROR = 'Error during signature process'
\n
PENDING_GUARANTEE = 'Waiting for guarantee process to complete'
\n

Qualification & Cession

PENDING_QUALIFICATION = 'Waiting for credit qualification'
\n
PENDING_RANDOM = 'Waiting for approval'
\n
PENDING_CESSION_QUALIFICATION = 'Waiting for cession qualification approval'
\n
PENDING_CESSION = 'Waiting for cession process'
\n
PENDING_INTEGRATION_LAQUS = 'Waiting for integration with Laqus'
\n

Payment & Disbursement

PENDING_ENTRY_PAYMENT = 'Waiting for entry payment'
\n
CREATING_ENTRY_PAYMENT = 'Creating entry payment'
\n
PENDING_PAYMENT = 'Waiting for payment'
\n
PENDING_CASHOUT = 'Waiting for Pix cashout'
\n
AWAITING_APPROVAL_DISBURSEMENT = 'Waiting for disbursement approval'
\n
PENDING_DISBURSEMENT = 'Waiting for disbursement'
\n
SCHEDULED_DISBURSEMENT = 'Disbursement scheduled'
\n
PARTIAL_DISBURSEMENT = 'Partial disbursement completed'
\n
DISBURSEMENT_ATTEMPT_FAILED = 'Disbursement attempt failed'
\n

Final Status

ISSUED = 'Issued'
\n
CANCELED = 'Canceled'
\n

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\"funding\": {\r\n \"id\": \"uuid\" // uuid genereted by Celcoin on Onbording phase\r\n },\r\n \"requested_amount\": 100, // The loan amount\r\n \"interest_rate\": 0.01, // 0.01 -> 1%\r\n \"tac_amount\": 0, // Registration fee for borrower or application\r\n \"tac_rate\": 0, // Registration fee rate for borrower or application - 0.01 -> 1%\r\n \"finance_fee\": 0, // Extra costs\r\n \"num_payments\": 12, // Number of installments\r\n \"first_payment_date\": \"YYYY-MM-DD\", // Date when the borrower will start repaying the credit\r\n \"disbursement_date\": \"YYYY-MM-DD\", // Date the \"requested_amount\" is transferred to the borrower\r\n \"signature_collect_method\": \"\", // ENUM -> EMAIL, WHATSAPP, LINK, PHYSICAL or NONE - Method by which the borrower receives the CCB for signature\r\n \"signature_provider\": \"\", // ENUM -> CELCOIN, CLICKSIGN, ZAPSIGN or UNICO\r\n \"payment_method\": \"\", // ENUM -> PIX, BOLETO (Brazilian bank payment slip) or QRCODE_PIX (also known as EMV and PIX Copy and Paste)\r\n \"custom_variables\": {\r\n \"yourVariable\": \"your string\" // Customizable variable, pre-created by Celcoin. Contact Support to enable it.\r\n }\r\n}","options":{"raw":{"language":"json"}}},"url":"https://sandbox.platform.flowfinance.com.br/banking/originator/applications","urlObject":{"protocol":"https","path":["banking","originator","applications"],"host":["sandbox","platform","flowfinance","com","br"],"query":[],"variable":[]}},"response":[{"id":"57c35fae-7c18-42a6-9bfa-c0591732679b","name":"Borrower as Beneficiary","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\r\n \"product\": {\r\n \"id\": \"uuid\"\r\n },\r\n \"borrower\": {\r\n \"id\": \"uui\"\r\n },\r\n \"funding\": {\r\n \"id\": \"uui\"\r\n },\r\n \"requested_amount\": 100,\r\n \"interest_rate\": 0.01,\r\n \"tac_amount\": 0,\r\n \"finance_fee\": 0,\r\n \"num_payments\": 12, \r\n \"first_payment_date\": \"2024-11-21\",\r\n \"disbursement_date\": \"2024-10-21\",\r\n \"signature_collect_method\": \"NONE\",\r\n \"signature_provider\": \"ZAPSIGN\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://sandbox.platform.flowfinance.com.br/banking/originator/applications"},"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json","description":"","type":"text"}],"cookie":[{"expires":"Invalid Date","domain":"","path":""}],"responseTime":null,"body":"{\n \"id\": \"0a23ad94-a656-47b8-945a-33dcbe07b38a\",\n \"product\": {\n \"id\": \"f44f63e0-1d3c-4960-9f91-99dbb7911526\"\n },\n \"borrower\": {\n \"id\": \"eb1388eb-f979-4605-9cbc-6981410ad91a\"\n },\n \"requested_amount\": 100,\n \"interest_rate\": 0.01,\n \"interest_pre_type\": \"BASE_365\",\n \"annual_interest_rate\": 0.126825,\n \"tac_amount\": 0,\n \"finance_fee\": 0,\n \"num_payments\": 12,\n \"first_payment_date\": \"2025-11-21\",\n \"disbursement_date\": \"2025-10-21\",\n \"allow_disbursement_on_sign\": null,\n \"issue_date\": \"2025-09-21\",\n \"status\": \"AGREEMENT_RENDERING\",\n \"cession_status\": \"NOT_CEDED\",\n \"status_description\": null,\n \"loan_details\": {\n \"total_processing_cost\": 2.02,\n \"annual_interest_rate\": 0.126825,\n \"interest_rate\": 0.01,\n \"annual_effective_interest_rate\": 0.169104,\n \"monthly_effective_interest_rate\": 0.013105,\n \"total_amount_owed\": 108.72,\n \"disbursement_amount\": 100,\n \"discount_amount\": 0,\n \"discount_rate\": 0,\n \"financed_amount\": 102.02,\n \"iof_daily_rate\": 0.000082,\n \"iof_amount\": 2.02,\n \"iof_base_rate\": 0.0038,\n \"payment_amount\": 9.06,\n \"issue_date\": \"2025-09-21\",\n \"schedule\": [\n {\n \"payment\": 9.06,\n \"iof\": 0.05,\n \"balance\": 102,\n \"interest\": 0.09,\n \"principal\": 8.97,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 1,\n \"running_day\": 31,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2025-11-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.07,\n \"balance\": 93.03,\n \"interest\": 0.18,\n \"principal\": 8.88,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 2,\n \"running_day\": 61,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2025-12-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.1,\n \"balance\": 84.15,\n \"interest\": 0.27,\n \"principal\": 8.79,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 3,\n \"running_day\": 92,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-01-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.12,\n \"balance\": 75.36,\n \"interest\": 0.36,\n \"principal\": 8.7,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 4,\n \"running_day\": 123,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-02-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.14,\n \"balance\": 66.66,\n \"interest\": 0.44,\n \"principal\": 8.62,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 5,\n \"running_day\": 151,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-03-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.16,\n \"balance\": 58.04,\n \"interest\": 0.52,\n \"principal\": 8.54,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 6,\n \"running_day\": 182,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-04-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.18,\n \"balance\": 49.5,\n \"interest\": 0.61,\n \"principal\": 8.45,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 7,\n \"running_day\": 212,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-05-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.2,\n \"balance\": 41.05,\n \"interest\": 0.69,\n \"principal\": 8.37,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 8,\n \"running_day\": 243,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-06-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.22,\n \"balance\": 32.68,\n \"interest\": 0.77,\n \"principal\": 8.29,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 9,\n \"running_day\": 273,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-07-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.23,\n \"balance\": 24.39,\n \"interest\": 0.86,\n \"principal\": 8.2,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 10,\n \"running_day\": 304,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-08-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.25,\n \"balance\": 16.19,\n \"interest\": 0.94,\n \"principal\": 8.12,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 11,\n \"running_day\": 335,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-09-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.3,\n \"balance\": 8.07,\n \"interest\": 0.99,\n \"principal\": 8.07,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 12,\n \"running_day\": 365,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-10-21\"\n }\n ],\n \"last_payment_date\": \"2026-10-21\",\n \"reference_rate\": null,\n \"interest_pre_type\": \"BASE_365\",\n \"interest_rate_frequency\": \"MONTHLY\",\n \"amortization_type\": \"PRICE\",\n \"interest_type\": \"PRE\",\n \"grace_period_interest\": 0,\n \"grace_period_amortizations\": [],\n \"amortization_frequency\": \"MONTHLY\"\n },\n \"custom_variables\": {},\n \"canceled_at\": null,\n \"sequential_id\": 178204,\n \"funding\": {\n \"id\": \"ecc143f4-e1cc-499b-ae1f-be6a47004dca\",\n \"legal_name\": \"NEOBANK DIGITAL SERVIÇOS LTDA\",\n \"alias\": null,\n \"metadata\": {\n \"cod_backoffice\": {\n \"value\": \"\",\n \"sensitive\": false\n }\n }\n },\n \"payment_method\": \"BOLETO\",\n \"backoffice_import_status\": \"NONE\",\n \"guarantors\": [],\n \"co_signers\": [],\n \"investors\": [],\n \"co_debtors\": [],\n \"collateral_providers\": [],\n \"representatives\": [],\n \"sureties\": [],\n \"signature_collect_method\": \"EMAIL\",\n \"signature_provider\": \"ZAPSIGN\",\n \"issuer_disbursement_type\": \"BENEFICIARY\",\n \"signature_collect_options\": {\n \"require_self_photo\": false,\n \"require_document_photo\": false,\n \"require_selfie_validation\": false\n },\n \"base_premium_amount\": 0.51,\n \"additional_premium_amount\": 0,\n \"loan\": null,\n \"borrower_employer\": null,\n \"disbursement\": null,\n \"beneficiary_account\": {\n \"registered_account_id\": null,\n \"holder\": {\n \"name\": \"Beatriz Lopes\",\n \"taxpayer_id\": \"52016205156\"\n },\n \"external_bank_account\": null,\n \"pix\": {\n \"key\": \"52016205156\",\n \"key_type\": \"TAXPAYER_ID\"\n },\n \"baas\": {\n \"account_number\": null\n }\n },\n \"created_at\": \"2025-09-21T22:18:45.873921Z\",\n \"version\": 0,\n \"cession_value\": 102.53,\n \"issue_value\": 102.53,\n \"issuer_migrated\": false,\n \"custodian\": null,\n \"signature_authentication_options\": {\n \"mode\": \"NONE\"\n },\n \"managed_account_for_issuer_disbursement\": {\n \"product_configuration\": null,\n \"baas\": null\n },\n \"disbursement_attempts\": [],\n \"payment_orders\": [\n {\n \"id\": \"32ed64c9-8431-4d45-9875-f30c365b1a1c\",\n \"amount\": 100,\n \"type\": \"PIX_OUT\",\n \"status\": \"READY_FOR_PROCESSING\",\n \"beneficiary_account\": {\n \"registered_account_id\": null,\n \"holder\": {\n \"name\": \"Beatriz Lopes\",\n \"taxpayer_id\": \"52016205156\"\n },\n \"external_bank_account\": null,\n \"pix\": {\n \"key\": \"52016205156\",\n \"key_type\": \"TAXPAYER_ID\"\n },\n \"baas\": {\n \"account_number\": null\n }\n },\n \"beneficiary_type\": \"BORROWER\",\n \"billet_info\": null,\n \"allow_failure\": null,\n \"qrcode_info\": null,\n \"principal\": null,\n \"is_partial_disbursement\": null,\n \"pay_application_id\": null\n }\n ],\n \"ipoc_number\": \"486327540203152016205156178204\",\n \"additional_installment_fee\": null,\n \"additional_installment_description\": null,\n \"external_ccb_number\": null,\n \"annotation_id\": null,\n \"split_beneficiary_account\": null,\n \"entry_payment_info\": null,\n \"consignment\": null,\n \"contracts_to_purchase\": [],\n \"bundle_item_name\": null\n}"},{"id":"125cad28-dd95-4dbb-8c05-bc105982180e","name":"With Custom Variables","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\r\n \"product\": {\r\n \"id\": \"uuid\"\r\n },\r\n \"borrower\": {\r\n \"id\": \"uuid\"\r\n },\r\n \"funding\": {\r\n \"id\": \"uuid\"\r\n },\r\n \"custom_variables\":{\r\n \"your_string_value\": \"string\",\r\n \"your_int_value\": 0\r\n },\r\n \"requested_amount\": 100,\r\n \"interest_rate\": 0.01,\r\n \"tac_amount\": 0,\r\n \"finance_fee\": 0,\r\n \"num_payments\": 12, \r\n \"first_payment_date\": \"2024-11-21\",\r\n \"disbursement_date\": \"2024-10-21\",\r\n \"signature_collect_method\": \"EMAIL\",\r\n \"signature_provider\": \"ZAPSIGN\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://sandbox.platform.flowfinance.com.br/banking/originator/applications"},"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json","description":"","type":"text"}],"cookie":[{"expires":"Invalid Date","domain":"","path":""}],"responseTime":null,"body":"{\n \"id\": \"0a23ad94-a656-47b8-945a-33dcbe07b38a\",\n \"product\": {\n \"id\": \"f44f63e0-1d3c-4960-9f91-99dbb7911526\"\n },\n \"borrower\": {\n \"id\": \"eb1388eb-f979-4605-9cbc-6981410ad91a\"\n },\n \"requested_amount\": 100,\n \"interest_rate\": 0.01,\n \"interest_pre_type\": \"BASE_365\",\n \"annual_interest_rate\": 0.126825,\n \"tac_amount\": 0,\n \"finance_fee\": 0,\n \"num_payments\": 12,\n \"first_payment_date\": \"2025-11-21\",\n \"disbursement_date\": \"2025-10-21\",\n \"allow_disbursement_on_sign\": null,\n \"issue_date\": \"2025-09-21\",\n \"status\": \"AGREEMENT_RENDERING\",\n \"cession_status\": \"NOT_CEDED\",\n \"status_description\": null,\n \"loan_details\": {\n \"total_processing_cost\": 2.02,\n \"annual_interest_rate\": 0.126825,\n \"interest_rate\": 0.01,\n \"annual_effective_interest_rate\": 0.169104,\n \"monthly_effective_interest_rate\": 0.013105,\n \"total_amount_owed\": 108.72,\n \"disbursement_amount\": 100,\n \"discount_amount\": 0,\n \"discount_rate\": 0,\n \"financed_amount\": 102.02,\n \"iof_daily_rate\": 0.000082,\n \"iof_amount\": 2.02,\n \"iof_base_rate\": 0.0038,\n \"payment_amount\": 9.06,\n \"issue_date\": \"2025-09-21\",\n \"schedule\": [\n {\n \"payment\": 9.06,\n \"iof\": 0.05,\n \"balance\": 102,\n \"interest\": 0.09,\n \"principal\": 8.97,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 1,\n \"running_day\": 31,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2025-11-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.07,\n \"balance\": 93.03,\n \"interest\": 0.18,\n \"principal\": 8.88,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 2,\n \"running_day\": 61,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2025-12-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.1,\n \"balance\": 84.15,\n \"interest\": 0.27,\n \"principal\": 8.79,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 3,\n \"running_day\": 92,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-01-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.12,\n \"balance\": 75.36,\n \"interest\": 0.36,\n \"principal\": 8.7,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 4,\n \"running_day\": 123,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-02-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.14,\n \"balance\": 66.66,\n \"interest\": 0.44,\n \"principal\": 8.62,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 5,\n \"running_day\": 151,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-03-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.16,\n \"balance\": 58.04,\n \"interest\": 0.52,\n \"principal\": 8.54,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 6,\n \"running_day\": 182,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-04-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.18,\n \"balance\": 49.5,\n \"interest\": 0.61,\n \"principal\": 8.45,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 7,\n \"running_day\": 212,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-05-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.2,\n \"balance\": 41.05,\n \"interest\": 0.69,\n \"principal\": 8.37,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 8,\n \"running_day\": 243,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-06-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.22,\n \"balance\": 32.68,\n \"interest\": 0.77,\n \"principal\": 8.29,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 9,\n \"running_day\": 273,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-07-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.23,\n \"balance\": 24.39,\n \"interest\": 0.86,\n \"principal\": 8.2,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 10,\n \"running_day\": 304,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-08-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.25,\n \"balance\": 16.19,\n \"interest\": 0.94,\n \"principal\": 8.12,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 11,\n \"running_day\": 335,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-09-21\"\n },\n {\n \"payment\": 9.06,\n \"iof\": 0.3,\n \"balance\": 8.07,\n \"interest\": 0.99,\n \"principal\": 8.07,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 12,\n \"running_day\": 365,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-10-21\"\n }\n ],\n \"last_payment_date\": \"2026-10-21\",\n \"reference_rate\": null,\n \"interest_pre_type\": \"BASE_365\",\n \"interest_rate_frequency\": \"MONTHLY\",\n \"amortization_type\": \"PRICE\",\n \"interest_type\": \"PRE\",\n \"grace_period_interest\": 0,\n \"grace_period_amortizations\": [],\n \"amortization_frequency\": \"MONTHLY\"\n },\n \"custom_variables\": {},\n \"canceled_at\": null,\n \"sequential_id\": 178204,\n \"funding\": {\n \"id\": \"ecc143f4-e1cc-499b-ae1f-be6a47004dca\",\n \"legal_name\": \"NEOBANK DIGITAL SERVIÇOS LTDA\",\n \"alias\": null,\n \"metadata\": {\n \"cod_backoffice\": {\n \"value\": \"\",\n \"sensitive\": false\n }\n }\n },\n \"payment_method\": \"BOLETO\",\n \"backoffice_import_status\": \"NONE\",\n \"guarantors\": [],\n \"co_signers\": [],\n \"investors\": [],\n \"co_debtors\": [],\n \"collateral_providers\": [],\n \"representatives\": [],\n \"sureties\": [],\n \"signature_collect_method\": \"EMAIL\",\n \"signature_provider\": \"ZAPSIGN\",\n \"issuer_disbursement_type\": \"BENEFICIARY\",\n \"signature_collect_options\": {\n \"require_self_photo\": false,\n \"require_document_photo\": false,\n \"require_selfie_validation\": false\n },\n \"base_premium_amount\": 0.51,\n \"additional_premium_amount\": 0,\n \"loan\": null,\n \"borrower_employer\": null,\n \"disbursement\": null,\n \"beneficiary_account\": {\n \"registered_account_id\": null,\n \"holder\": {\n \"name\": \"Beatriz Lopes\",\n \"taxpayer_id\": \"52016205156\"\n },\n \"external_bank_account\": null,\n \"pix\": {\n \"key\": \"52016205156\",\n \"key_type\": \"TAXPAYER_ID\"\n },\n \"baas\": {\n \"account_number\": null\n }\n },\n \"created_at\": \"2025-09-21T22:18:45.873921Z\",\n \"version\": 0,\n \"cession_value\": 102.53,\n \"issue_value\": 102.53,\n \"issuer_migrated\": false,\n \"custodian\": null,\n \"signature_authentication_options\": {\n \"mode\": \"NONE\"\n },\n \"managed_account_for_issuer_disbursement\": {\n \"product_configuration\": null,\n \"baas\": null\n },\n \"disbursement_attempts\": [],\n \"payment_orders\": [\n {\n \"id\": \"32ed64c9-8431-4d45-9875-f30c365b1a1c\",\n \"amount\": 100,\n \"type\": \"PIX_OUT\",\n \"status\": \"READY_FOR_PROCESSING\",\n \"beneficiary_account\": {\n \"registered_account_id\": null,\n \"holder\": {\n \"name\": \"Beatriz Lopes\",\n \"taxpayer_id\": \"52016205156\"\n },\n \"external_bank_account\": null,\n \"pix\": {\n \"key\": \"52016205156\",\n \"key_type\": \"TAXPAYER_ID\"\n },\n \"baas\": {\n \"account_number\": null\n }\n },\n \"beneficiary_type\": \"BORROWER\",\n \"billet_info\": null,\n \"allow_failure\": null,\n \"qrcode_info\": null,\n \"principal\": null,\n \"is_partial_disbursement\": null,\n \"pay_application_id\": null\n }\n ],\n \"ipoc_number\": \"486327540203152016205156178204\",\n \"additional_installment_fee\": null,\n \"additional_installment_description\": null,\n \"external_ccb_number\": null,\n \"annotation_id\": null,\n \"split_beneficiary_account\": null,\n \"entry_payment_info\": null,\n \"consignment\": null,\n \"contracts_to_purchase\": [],\n \"bundle_item_name\": null\n}"},{"id":"f7efbcd0-9814-4de1-bf2b-3643cd3565f0","name":"External Account as Beneficiary","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\r\n \"product\": {\r\n \"id\": \"uuid\"\r\n },\r\n \"borrower\": {\r\n \"id\": \"uuid\"\r\n },\r\n \"funding\": {\r\n \"id\": \"uuid\"\r\n },\r\n \"beneficiary_account\": {\r\n \"registered_account_id\": \"uuid\" // uuid genereted by Celcoin — Contact Support if you need generate one\r\n },\r\n \"requested_amount\": 100,\r\n \"interest_rate\": 0.01,\r\n \"tac_amount\": 0,\r\n \"tac_rate\": 0,\r\n \"finance_fee\": 0,\r\n \"num_payments\": 12,\r\n \"first_payment_date\": \"YYYY-MM-DD\",\r\n \"disbursement_date\": \"YYYY-MM-DD\",\r\n \"signature_collect_method\": \"NONE\",\r\n \"signature_provider\": \"CELCOIN\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://sandbox.platform.flowfinance.com.br/banking/originator/applications"},"_postman_previewlanguage":"Text","header":[],"cookie":[],"responseTime":null,"body":""}],"_postman_id":"9d4303c1-fa2e-48bc-9114-c8770ae6d34c"}],"id":"53a4af96-8976-4cae-80a2-11510bd0c211","_postman_id":"53a4af96-8976-4cae-80a2-11510bd0c211","description":""}],"id":"38f82795-2baf-4f3a-814e-b59c79818186","description":"

Mocked

On sandbox the response is a mock. Whatever date or CPF (taxpayer_id) you chosse, always return the same data.

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Application ID generated when created

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IMPORTANT: The Application's Status must be anynone AFTER \"PENDING_SIGNATURE\"

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IMPORTANT: The Application's status must be \"ISSUED\"

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includeSubDomains"},{"key":"X-Content-Type-Options","value":"nosniff"},{"key":"X-Frame-Options","value":"SAMEORIGIN"},{"key":"x-ssl-cert","value":"no-cert"},{"key":"cf-cache-status","value":"DYNAMIC"},{"key":"Nel","value":"{\"report_to\":\"cf-nel\",\"success_fraction\":0.0,\"max_age\":604800}"},{"key":"Report-To","value":"{\"group\":\"cf-nel\",\"max_age\":604800,\"endpoints\":[{\"url\":\"https://a.nel.cloudflare.com/report/v4?s=TgVz%2BkNEravBGkoWQlRpNq5wjRlKbNH8nSSxeWbdnTb%2BR954cRe1OPCpUVg4PoSdck%2Fjx3Jgk1Y99%2FUn8kX2YShtS1g2p5osCr10u7%2F4UeTWBBkY4lr7WKcz0OTSE70n8idufvrZqwsojQ%3D%3D\"}]}"},{"key":"Content-Encoding","value":"br"},{"key":"Server","value":"cloudflare"},{"key":"CF-RAY","value":"982708fc488d1ac2-GRU"}],"cookie":[],"responseTime":null,"body":"{\n \"access_token\": \"eyJhbGciOiJSUzI1NiIsInR5cCIgOiAiSldUIiwia2lkIiA6ICJuZWdFVEFDQlY2NGxHaTFHUTFkQ1hUSUo0Z2RCMGhUZEwxRTRwRmRMMi1vIn0.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.WOs4NdsyrI0k6EYWOIzOBqjHqSfQfS9VJNZUbLBiID9CrUMX7lfdT7ZaIHat2FXG8FuWcndk3jJBQlfkh4uUhUfIQvcFqldp3947UCCku6mv17beh_E9l-hdjBuDtAlDn6rEomeIHTihJs9hTDexfINkr_xq306rqDBQS-SY5RLVxSOui5Ww4dxzp1Ow4FWASpy89lkaXEN3-DcTpydmAnb1uejYiGsnm9jjguJJ95ZElWn1TjnC3vhQDSjMUUO22PwAGIhvHvjaCyJNjwybD3yO_fBFm4rUhLsHXKCArAW_JfadNTZtbLyy5UpAIKLdEcPkeTJO9nU9KxIRtjTyPg\",\n \"expires_in\": 3600,\n \"refresh_expires_in\": 0,\n \"token_type\": \"Bearer\",\n \"not-before-policy\": 0,\n \"scope\": \"api.banking/originator\"\n}"}],"_postman_id":"eb590554-c339-43e6-9969-4906ff580515"},{"name":"2 — Cadastro do Tomador","id":"daa74174-fb93-42b2-8b63-e79341270ca6","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":""}]},"isInherited":false},"method":"POST","header":[],"body":{"mode":"raw","raw":"{\r\n \"full_name\": \"Fulano de Tal\",\r\n \"taxpayer_id\": \"93343138380\", // CPF or CNPJ without special characters ( . - / )\r\n \"sex\": \"MALE\", // ENUM -> MALE, FEMALE or OTHER\r\n \"nationality\": \"Brasileiro\",\r\n \"birth_date\": \"1990-02-04\",\r\n \"occupation\": \"Analista de Onboarding\",\r\n \"pep\": false, // Politically Exposed Person - By default -> false\r\n \"email_address\": \"fulano.tal@email.com\",\r\n \"marital_property_system\": \"NO_COMMUNION\", // ENUM -> FINAL_COMMUNION, FULL_COMMUNION, NO_COMMUNION or PARTIAL_COMMUNION\r\n \"monthly_income\": 45000,\r\n \"mothers_name\": \"Nome da Mãe\",\r\n \"id_document\": {\r\n \"issue_date\": \"2010-05-20\",\r\n \"issuer\": \"SSP\", // SSP-SP = Sao Paulo - SSP-RJ = Rio de Janeiro\r\n \"number\": \"123456789\",\r\n \"type\": \"RG\", // ENUM -> CNH, PASSPORT, RG or RNE\r\n \"sex\": \"MALE\" // On the document - ENUM -> FEMALE, MALE or OTHER\r\n },\r\n \"phone\": {\r\n \"country_code\": \"+55\", // DDI - 55 -> Brazil\r\n \"area_code\": \"11\", // DDD - 11 -> Sao Paulo city\r\n \"number\": \"999999999\" // Phone number \r\n },\r\n \"address\": {\r\n \"street_number\": 123,\r\n \"street_name\": \"Av. Exemplo\",\r\n \"postal_code\": \"03273500\", // Postal code without special characters\r\n \"district\": \"Bairro Exemplo\",\r\n \"city\": \"São Paulo\",\r\n \"state_code\": \"SP\", // State - SP -> Sao Paulo - RJ -> Rio de Janeiro\r\n \"country_code\": \"BRA\" // Country - BRA -> Brazil\r\n },\r\n \"external_bank_account\": {\r\n \"bank_code\": \"001\", \r\n \"bank_account\": \"0123456\",\r\n \"bank_account_digit\": \"7\",\r\n \"bank_branch\": \"1234\",\r\n \"bank_account_type\": \"CACC\", // ENUM -> CACC = Current Account, TRAN = Transacting Account, SLRY = Salary Account, SVGSS = Savings Account\r\n \"ispb_code\": \"60701190\" // Recipient institution code in the Brazilian Instant Payment System (SPI)\r\n },\r\n \"pix\": {\r\n \"key_type\": \"TAXPAYER_ID\", // ENUM -> ALEATORY_KEY, EMAIL, PHONE_NUMBER or TAXPAYER_ID (CPF or CNPJ without special characters)\r\n \"key\": \"65371068260\"\r\n }\r\n}","options":{"raw":{"language":"json"}}},"url":"https://sandbox.platform.flowfinance.com.br/banking/originator/persons","urlObject":{"protocol":"https","path":["banking","originator","persons"],"host":["sandbox","platform","flowfinance","com","br"],"query":[],"variable":[]}},"response":[{"id":"68ad43e5-fe5f-42d4-8b2f-4dfc36928667","name":"201 - Created","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\r\n \"full_name\": \"Fulano de Tal\",\r\n \"taxpayer_id\": \"93343138380\", // CPF or CNPJ without special characters ( . - / )\r\n \"sex\": \"MALE\", // ENUM -> MALE, FEMALE or OTHER\r\n \"nationality\": \"Brasileiro\",\r\n \"birth_date\": \"1990-02-04\",\r\n \"occupation\": \"Analista de Onboarding\",\r\n \"pep\": false, // Politically Exposed Person - By default -> false\r\n \"email_address\": \"fulano.tal@email.com\",\r\n \"marital_property_system\": \"NO_COMMUNION\", // ENUM -> FINAL_COMMUNION, FULL_COMMUNION, NO_COMMUNION or PARTIAL_COMMUNION\r\n \"monthly_income\": 45000,\r\n \"mothers_name\": \"Nome da Mãe\",\r\n \"id_document\": {\r\n \"issue_date\": \"2010-05-20\",\r\n \"issuer\": \"SSP\", // SSP-SP = Sao Paulo - SSP-RJ = Rio de Janeiro\r\n \"number\": \"123456789\",\r\n \"type\": \"RG\", // ENUM -> CNH, PASSPORT, RG or RNE\r\n \"sex\": \"MALE\" // On the document - ENUM -> FEMALE, MALE or OTHER\r\n },\r\n \"phone\": {\r\n \"country_code\": \"+55\", // DDI - 55 -> Brazil\r\n \"area_code\": \"11\", // DDD - 11 -> Sao Paulo city\r\n \"number\": \"999999999\" // Phone number \r\n },\r\n \"address\": {\r\n \"street_number\": 123,\r\n \"street_name\": \"Av. Exemplo\",\r\n \"postal_code\": \"03273500\", // Postal code without special characters\r\n \"district\": \"Bairro Exemplo\",\r\n \"city\": \"São Paulo\",\r\n \"state_code\": \"SP\", // State - SP -> Sao Paulo - RJ -> Rio de Janeiro\r\n \"country_code\": \"BRA\" // Country - BRA -> Brazil\r\n },\r\n \"external_bank_account\": {\r\n \"bank_code\": \"001\", \r\n \"bank_account\": \"0123456\",\r\n \"bank_account_digit\": \"7\",\r\n \"bank_branch\": \"1234\",\r\n \"bank_account_type\": \"CACC\", // ENUM -> CACC = Current Account, TRAN = Transacting Account, SLRY = Salary Account, SVGSS = Savings Account\r\n \"ispb_code\": \"60701190\" // Recipient institution code in the Brazilian Instant Payment System (SPI)\r\n },\r\n \"pix\": {\r\n \"key_type\": \"TAXPAYER_ID\", // ENUM -> ALEATORY_KEY, EMAIL, PHONE_NUMBER or TAXPAYER_ID (CPF or CNPJ without special characters)\r\n \"key\": \"65371068260\"\r\n }\r\n}","options":{"raw":{"language":"json"}}},"url":"https://sandbox.platform.flowfinance.com.br/banking/originator/persons"},"status":"Created","code":201,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Fri, 10 Oct 2025 01:55:11 GMT"},{"key":"Content-Type","value":"application/json","description":"","type":"text"},{"key":"Content-Length","value":"1406"},{"key":"Connection","value":"keep-alive"},{"key":"apigw-requestid","value":"SNUcAioBGjQEMjg="}],"cookie":[],"responseTime":null,"body":"{\n \"id\": \"5ce9bf35-1539-4867-a875-1719a0686356\",\n \"taxpayer_id\": \"93343138380\",\n \"nationality\": \"Brasileiro\",\n \"pep\": false,\n \"full_name\": \"Fulano de Tal\",\n \"phone\": {\n \"country_code\": \"+55\",\n \"area_code\": \"11\",\n \"number\": \"999999999\",\n \"formatted_number\": \"+5511999999999\"\n },\n \"occupation\": \"Analista de Onboarding\",\n \"birth_date\": \"1990-02-04\",\n \"marital_status\": null,\n \"email_address\": \"fulano.tal@email.com\",\n \"mothers_name\": \"Nome da Mãe\",\n \"marital_property_system\": \"NO_COMMUNION\",\n \"id_document\": {\n \"number\": \"123456789\",\n \"issuer\": \"SSP\",\n \"issue_date\": \"2010-05-20\",\n \"type\": \"RG\"\n },\n \"sex\": \"MALE\",\n \"address\": {\n \"street_name\": \"Av. 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Person ID

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transferred to the borrower\r\n \"borrower_type\": \"BUSINESS\", // ENUM -> PERSON or BUSINESS\r\n \"schedule_type\": \"DAILY\" // ENUM -> MONTHLY or DAILY\r\n}","options":{"raw":{"language":"json"}}},"url":"https://sandbox.platform.flowfinance.com.br/banking/originator/products//preview","urlObject":{"protocol":"https","path":["banking","originator","products","","preview"],"host":["sandbox","platform","flowfinance","com","br"],"query":[],"variable":[]}},"response":[{"id":"aa2fe1ef-df05-44df-8f8c-32cb4d6a87a8","name":"200 - Response","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\r\n \"requested_amount\": 1000, // The credit amount\r\n \"interest_rate\": 0.04, // 1.0 -> 100% - 0.5 -> 50% - 0.05 -> 5%\r\n \"tac_amount\": 0, // tac_amount: 50 --> R$50 - tac_rate: 0.05 --> 5% do requested_amount\r\n \"finance_fee\": 0, // Extra costs\r\n \"iofType\": \"PERSON\", // ENUM -> BUSINESS or PERSON\r\n \"num_payments\": 3, // Number of installments\r\n 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\"payment_date\": \"2026-09-10\"\n },\n {\n \"payment\": 1,\n \"iof\": 0.07,\n \"balance\": 0,\n \"interest\": 0.04,\n \"principal\": 0.96,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 12,\n \"running_day\": 30,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-10-10\"\n }\n ],\n \"last_payment_date\": \"2026-10-10\",\n \"reference_rate\": null,\n \"interest_pre_type\": \"BASE_365\",\n \"interest_rate_frequency\": \"MONTHLY\",\n \"amortization_type\": \"PRICE\",\n \"interest_type\": \"PRE\",\n \"grace_period_interest\": 0,\n \"grace_period_amortizations\": [],\n \"amortization_frequency\": \"MONTHLY\",\n \"insurance_amount\": 0\n },\n \"custom_variables\": {},\n \"canceled_at\": null,\n \"sequential_id\": 181512,\n \"originator\": {\n \"id\": \"3541eedc-5939-42cd-bf4d-922a36e0333a\",\n \"legal_name\": \"KARTECH SOLUÇÕES FINANCEIRAS S.A.\"\n },\n \"funding\": {\n \"id\": \"ecc143f4-e1cc-499b-ae1f-be6a47004dca\",\n 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\"external_bank_account\": {\n \"bank_code\": \"001\",\n \"bank_account\": \"0123456\",\n \"bank_account_digit\": \"7\",\n \"bank_branch\": \"1234\",\n \"bank_account_type\": \"CACC\",\n \"ispb_code\": \"00000000\"\n },\n \"pix\": {\n \"key\": \"65371068260\",\n \"key_type\": \"TAXPAYER_ID\"\n },\n \"baas\": {\n \"account_number\": null\n }\n },\n \"created_at\": \"2025-10-11T01:33:28.643219Z\",\n \"updated_at\": \"2025-10-11T01:34:22.208075Z\",\n \"version\": 3,\n \"cession_value\": 11.28,\n \"issue_value\": 11.28,\n \"issuer_migrated\": false,\n \"custodian\": null,\n \"signature_authentication_options\": {\n \"mode\": \"NONE\"\n },\n \"managed_account_for_issuer_disbursement\": {\n \"product_configuration\": null,\n \"baas\": null\n },\n \"disbursement_attempts\": null,\n \"payment_orders\": [\n {\n \"id\": \"6c120d20-720e-42e4-ad75-980ed41433eb\",\n \"amount\": 11,\n \"type\": \"PIX_OUT\",\n \"status\": \"READY_FOR_PROCESSING\",\n \"beneficiary_account\": {\n \"registered_account_id\": null,\n \"holder\": {\n \"name\": \"Fulano de Tal\",\n \"taxpayer_id\": \"93343138380\"\n },\n \"external_bank_account\": {\n \"bank_code\": \"001\",\n \"bank_account\": \"0123456\",\n \"bank_account_digit\": \"7\",\n \"bank_branch\": \"1234\",\n \"bank_account_type\": \"CACC\",\n \"ispb_code\": \"00000000\"\n },\n \"pix\": {\n \"key\": \"65371068260\",\n \"key_type\": \"TAXPAYER_ID\"\n },\n \"baas\": {\n \"account_number\": null\n }\n },\n \"beneficiary_type\": \"BORROWER\",\n \"billet_info\": null,\n \"allow_failure\": null,\n \"qrcode_info\": null,\n \"principal\": null,\n \"is_partial_disbursement\": null,\n \"pay_application_id\": null\n }\n ],\n \"ipoc_number\": \"486327540203193343138380181512\",\n \"cession_id\": null,\n \"commercial_paper_id\": null,\n \"additional_installment_fee\": null,\n \"additional_installment_description\": null,\n \"external_ccb_number\": null\n },\n \"originator\": \"3541eedc-5939-42cd-bf4d-922a36e0333a\",\n \"product\": {\n \"id\": \"9243c0ed-e6bf-4923-8582-4c092d450835\",\n \"name\": \"[Karthen Goat] Crédito Pessoal Celan [PF]\",\n \"description\": \"Produto com Configurações Padrão — Sem Etapa de Aprovação — Minuta (CCB) Padrão da Celcoin\"\n },\n \"created_at\": \"2025-10-11T01:34:22.166953Z\",\n \"updated_at\": \"2025-10-11T01:41:26.362652Z\",\n \"version\": 1\n}"}],"_postman_id":"d14edaaf-17b2-4744-8f16-5da6b02ff9b0"}],"id":"d0efc190-28bf-46ea-9e08-1bce840dc849","description":"

PF Clean (Crédito Pessoal)

Existem diversas formas de configurar um fluxo de emissão PF Clean. Primeiramente, siga o diagrama de sequência abaixo:

\n\n

Provedores de Assinatura

Existem opções de alguns provedores de assinatura disponíveis:

Celcoin
\n
1. O Originador é responsável por exibir o documento para o tomador;
  \n
2. O tomador visualiza o documento da CCB e assina clicando em um botão do tipo de aceitação (opt-in);
  \n
3. É enviado um hash com os dados da assinatura;
  \n
\n
Zapsign
\n
1. O tomador visualiza o documento na Zapsign e pode assinar usando um dos seguintes métodos:
  \n
  1. Assinatura manuscrita (desenhada)
    \n
  2. Assinatura digitada
    \n
  3. Imagem de sua assinatura manuscrita
    \n
  \n
\n
Clicksign
\n
1. O tomador visualiza o documento na Clicksign e pode assinar usando um dos seguintes métodos:
  \n
  1. Assinatura manuscrita
    \n
  2. Assinatura digitada
    \n
  3. Imagem de sua assinatura manuscrita
    \n
  \n
2. Biometria — Dependendo do provedor escolhido (Clicksign) e dos requisitos regulatórios, evidências biométricas adicionais podem ser coletadas:
  \n
  1. Biometria Facial
    \n
  2. Detecção de Vivacidade (Liveness Detection)
    \n
  3. Documento Oficial
    \n
  4. Comprovante de Endereço
    \n
  5. Assinatura Manuscrita
    \n
  6. Selfie
    \n
  7. Certificado ICP-Brasil
    \n
  8. PIX
    \n
  9. SMS
    \n
  10. WhatsApp
    \n
  11. E-mail
    \n
  \n
\n
Único
\n
1. O tomador visualiza o documento na Único e pode assinar usando um dos seguintes métodos:
  \n
  1. DOC_SIGN (IDUNICODOCSSIGN)
    \n
  2. DOC_SIGN_SERPRO (IDUNICODOCSSIGNSERPRO)
    \n
  \n
\n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

Etapa de Validação	DOC_SIGN	DOC_SIGN_SERPRO
Prova de vida	✔️	✔️
Verificação de Identidade	✔️	✔️
Captura ou Reaproveitamento de Documento	✔️	✔️
Assinatura eletrônica	✔️	✔️
Similaridade da Serpro	❌	✔️

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Application ID generated when created

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IMPORTANT: The Application's Status must be anynone AFTER \"PENDING_SIGNATURE\"

\n","type":"text/plain"},"type":"any","value":"","key":"application_id"}]}},"response":[],"_postman_id":"3a4db739-ebf7-48b0-aa72-bafe3a550a7f"},{"name":"Download do Recibo do desembolso","id":"86a8f3fd-7007-427d-8ec9-40186d6629e4","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"GET","header":[],"url":"https://sandbox.platform.flowfinance.com.br/banking/originator/applications/:application_id/receipt","urlObject":{"protocol":"https","path":["banking","originator","applications",":application_id","receipt"],"host":["sandbox","platform","flowfinance","com","br"],"query":[],"variable":[{"id":"e3b44d2d-599e-4c86-8330-d361e060fcc5","description":{"content":"

IMPORTANT: The Application's status must be \"ISSUED\"

\n","type":"text/plain"},"type":"any","value":"","key":"application_id"}]}},"response":[],"_postman_id":"86a8f3fd-7007-427d-8ec9-40186d6629e4"}],"id":"9c83db2b-f578-4497-b2fb-f778e4d145d5","_postman_id":"9c83db2b-f578-4497-b2fb-f778e4d145d5","description":""},{"name":"1. — Obter o token","event":[{"listen":"test","script":{"exec":["pm.environment.set(\"originator_access_token\", pm.response.json().access_token);"],"type":"text/javascript","packages":{},"requests":{},"id":"feebf95a-d016-4140-a5cf-505986508bec"}}],"id":"3263ac90-b3b3-452c-afb8-22e3013cc680","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"basic","basic":{"basicConfig":[{"key":"username","value":"{{originator_client_id}}"},{"key":"password","value":"{{originator_client_secret}}"}]},"isInherited":false},"method":"POST","header":[],"body":{"mode":"formdata","formdata":[{"key":"grant_type","value":"client_credentials","type":"text"}]},"url":"https://sandbox.auth.flowfinance.com.br/oauth2/token","urlObject":{"protocol":"https","path":["oauth2","token"],"host":["sandbox","auth","flowfinance","com","br"],"query":[],"variable":[]}},"response":[{"id":"4340861c-1212-40a6-b002-3fc63efd2422","name":"200 - Response","originalRequest":{"method":"POST","header":[],"body":{"mode":"formdata","formdata":[{"key":"grant_type","value":"client_credentials","type":"text"}]},"url":"https://sandbox.auth.flowfinance.com.br/oauth2/token"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Sun, 21 Sep 2025 05:06:45 GMT"},{"key":"Content-Type","value":"application/json","description":"","type":"text"},{"key":"Transfer-Encoding","value":"chunked"},{"key":"Connection","value":"keep-alive"},{"key":"Cache-Control","value":"no-store"},{"key":"Pragma","value":"no-cache"},{"key":"Referrer-Policy","value":"no-referrer"},{"key":"Strict-Transport-Security","value":"max-age=31536000; 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Esse endpoint permite o cadastro de uma nova empresa, um participante do processo de contratação do crédito para o Originador.

Uma Empresa é a representação de uma companhia na Plataforma, e assim como uma Pessoa, uma Empresa pode assumir diferentes funções dentro de solicitações e os dados necessários para cada uma dessas funções podem variar de acordo com o as configurações do Produto.

Parâmetros do Body

taxpayer_id (string, obrigatório): O nº do CNPJ da empresa a ser cadastrada.
\n
legal_name (string, obrigatório): A razão social da empresa a ser cadastrada.
\n
name (string, obrigatório): O nome fantasia da empresa a ser cadastrada.
\n
email_address(string, obrigatório): Campo de e-mail para contato com a Empresa. Deve ser um e-mail válido no formato \"email@dominio\".
\n
foundation_date(string, obrigatório): Data de abertura/registro da Empresa na Receita Federal\".
\n
phone(string, obrigatório): Objeto contendo o número do telefone para contato com a empresa.
\n
- area_code(string, obrigatório): Campo do código da área (DDD).
  \n
- country_code(string, obrigatório): Código Internacional para identificação do país (DDI).
  \n
- number(string, obrigatório): Número do telefone, somente os números.
  \n
- formatted_number(string): Número do telefone formatado.
  \n
\n
incorporation_type(string, obrigatório): Regime legal da Empresa cadastrado na Receita Federal. Valores aceitos: EIRELI, LTDA, MEI, SA, SS.
\n
tax_regime(string, obrigatório): Regime tributário da Empresa. Valores aceitos: PRESUMED_PROFIT, REAL_PROFIT, SIMPLE.
\n
industry_classification(string, obrigatório): Classificação para a área de atuação da Empresa (CNAE).
\n
address(string, obrigatório): Objeto contendo os dados do endereço da Empresa.
\n
- street_name(string, obrigatório): Nome do logradouro do endereço.
  \n
- street_number(integer, obrigatório): Númeração do endereço. Se conter letras enviar no campo \"extra_info\".
  \n
- extra_info(string): Campo para dados adicionais, complemento, do Endereço.
  \n
- district(string, obrigatório): Bairro do endereço.
  \n
- city(string, obrigatório): Cidade do endereço.
  \n
- postal_code (string): Código de CEP para o endereço.
  \n
- state_code(string, obrigatório): Sigla para identificação do estado/uf. Exemplo: SP.
  \n
- country_code(string, obrigatório): Código do país. Exemplo: BR.
  \n
\n
pix (object): Objeto contendo os dados de uma chave PIX.
\n
- key (string): Chave PIX.
  \n
- key_type (string): Tipo da chave PIX. Valores aceitos: ALEATORY_KEY, EMAIL, PHONE_NUMBER, TAXPAYER_ID
  \n
\n
external_bank_account (object): Objeto contendo os dados bancários.
\n
- bank_code (string): Código do banco.
  \n
- bank_account (string): Número da conta
  \n
- bank_account_digit (string): Dígito do número da conta.
  \n
- bank_branch (string): Número da agência.
  \n
- bank_account_type (string): Tipo da conta bancária. Valores aceitos: CACC, TRAN, SLRY, SVGS.
  \n
- ispb_code (string): Código da Instituição recebedora no Sistema de Pagamentos Instantâneo.
  \n
\n
billing_address(string, obrigatório): Objeto contendo os dados do endereço da Empresa para cobrança.
\n
- street_name(string, obrigatório): Nome do logradouro do endereço.
  \n
- street_number(integer, obrigatório): Númeração do endereço. Se conter letras enviar no campo \"extra_info\".
  \n
- extra_info(string): Campo para dados adicionais, complemento, do Endereço.
  \n
- district(string, obrigatório): Bairro do endereço.
  \n
- city(string, obrigatório): Cidade do endereço.
  \n
- postal_code (string): Código de CEP para o endereço.
  \n
- state_code(string, obrigatório): Sigla para identificação do estado/uf. Exemplo: SP.
  \n
- country_code(string, obrigatório): Código do país. Exemplo: BR.
  \n
\n
share_capital(float): Capital social da eEmpresa.
\n
monthly_revenue(float): Faturamento mensal estimado para a Empresa.
\n
employer(boolean): Campo booleano que indica se essa empresa deve suportar ou não o cadastro de colaboradores vinculados a ela.
\n
custom_variables(objeto): Objeto contendo valores de variáveis personalizadas, no formato de \"chave e valor\".
\n

Resposta

Se a requisição for processada com sucesso será retornado um status 201.

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GMT"},{"key":"Content-Type","value":"application/json","description":"","type":"text"},{"key":"Content-Length","value":"7167"},{"key":"Connection","value":"keep-alive"},{"key":"apigw-requestid","value":"SQkhMh7pmjQEMQg="}],"cookie":[{"expires":"Invalid Date","domain":"","path":""}],"responseTime":null,"body":"{\n \"content\": [\n {\n \"id\": \"746a6862-2924-4c75-a6cd-29a5821fe346\",\n \"funding\": {\n \"id\": \"ecc143f4-e1cc-499b-ae1f-be6a47004dca\",\n \"legal_name\": \"NEOBANK DIGITAL SERVIÇOS LTDA\",\n \"alias\": null,\n \"metadata\": {\n \"cod_backoffice\": {\n \"value\": \"\",\n \"sensitive\": false\n }\n }\n },\n \"role\": \"APPLICATION\",\n \"status\": \"pending_approval\",\n \"borrower\": {\n \"id\": \"5ce9bf35-1539-4867-a875-1719a0686356\",\n \"name\": \"Fulano de Tal\"\n },\n \"application\": {\n \"id\": \"3dbe73dc-d6ca-4ac2-a13b-8c7f96acf66b\",\n \"product\": {\n \"id\": \"9243c0ed-e6bf-4923-8582-4c092d450835\"\n },\n \"borrower\": {\n \"id\": 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\"payment_date\": \"2026-09-10\"\n },\n {\n \"payment\": 1,\n \"iof\": 0.07,\n \"balance\": 0,\n \"interest\": 0.04,\n \"principal\": 0.96,\n \"additional_value\": 0,\n \"present_value\": null,\n \"status\": null,\n \"period\": 12,\n \"running_day\": 30,\n \"late_day\": null,\n \"paid_value\": null,\n \"payment_date\": \"2026-10-10\"\n }\n ],\n \"last_payment_date\": \"2026-10-10\",\n \"reference_rate\": null,\n \"interest_pre_type\": \"BASE_365\",\n \"interest_rate_frequency\": \"MONTHLY\",\n \"amortization_type\": \"PRICE\",\n \"interest_type\": \"PRE\",\n \"grace_period_interest\": 0,\n \"grace_period_amortizations\": [],\n \"amortization_frequency\": \"MONTHLY\",\n \"insurance_amount\": 0\n },\n \"custom_variables\": {},\n \"canceled_at\": null,\n \"sequential_id\": 181512,\n \"originator\": {\n \"id\": \"3541eedc-5939-42cd-bf4d-922a36e0333a\",\n \"legal_name\": \"KARTECH SOLUÇÕES FINANCEIRAS S.A.\"\n },\n \"funding\": {\n \"id\": \"ecc143f4-e1cc-499b-ae1f-be6a47004dca\",\n 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\"external_bank_account\": {\n \"bank_code\": \"001\",\n \"bank_account\": \"0123456\",\n \"bank_account_digit\": \"7\",\n \"bank_branch\": \"1234\",\n \"bank_account_type\": \"CACC\",\n \"ispb_code\": \"00000000\"\n },\n \"pix\": {\n \"key\": \"65371068260\",\n \"key_type\": \"TAXPAYER_ID\"\n },\n \"baas\": {\n \"account_number\": null\n }\n },\n \"created_at\": \"2025-10-11T01:33:28.643219Z\",\n \"updated_at\": \"2025-10-11T01:34:22.208075Z\",\n \"version\": 3,\n \"cession_value\": 11.28,\n \"issue_value\": 11.28,\n \"issuer_migrated\": false,\n \"custodian\": null,\n \"signature_authentication_options\": {\n \"mode\": \"NONE\"\n },\n \"managed_account_for_issuer_disbursement\": {\n \"product_configuration\": null,\n \"baas\": null\n },\n \"disbursement_attempts\": null,\n \"payment_orders\": [\n {\n \"id\": \"6c120d20-720e-42e4-ad75-980ed41433eb\",\n \"amount\": 11,\n \"type\": \"PIX_OUT\",\n \"status\": \"READY_FOR_PROCESSING\",\n \"beneficiary_account\": {\n \"registered_account_id\": null,\n \"holder\": {\n \"name\": \"Fulano de Tal\",\n \"taxpayer_id\": \"93343138380\"\n },\n \"external_bank_account\": {\n \"bank_code\": \"001\",\n \"bank_account\": \"0123456\",\n \"bank_account_digit\": \"7\",\n \"bank_branch\": \"1234\",\n \"bank_account_type\": \"CACC\",\n \"ispb_code\": \"00000000\"\n },\n \"pix\": {\n \"key\": \"65371068260\",\n \"key_type\": \"TAXPAYER_ID\"\n },\n \"baas\": {\n \"account_number\": null\n }\n },\n \"beneficiary_type\": \"BORROWER\",\n \"billet_info\": null,\n \"allow_failure\": null,\n \"qrcode_info\": null,\n \"principal\": null,\n \"is_partial_disbursement\": null,\n \"pay_application_id\": null\n }\n ],\n \"ipoc_number\": \"486327540203193343138380181512\",\n \"cession_id\": null,\n \"commercial_paper_id\": null,\n \"additional_installment_fee\": null,\n \"additional_installment_description\": null,\n \"external_ccb_number\": null\n },\n \"originator\": \"3541eedc-5939-42cd-bf4d-922a36e0333a\",\n \"product\": {\n \"id\": \"9243c0ed-e6bf-4923-8582-4c092d450835\",\n \"name\": \"[Karthen Goat] Crédito Pessoal Celan [PF]\",\n \"description\": \"Produto com Configurações Padrão — Sem Etapa de Aprovação — Minuta (CCB) Padrão da Celcoin\"\n },\n \"created_at\": \"2025-10-11T01:34:22.166953Z\",\n \"updated_at\": \"2025-10-11T01:41:26.362652Z\",\n \"version\": 1\n}"}],"_postman_id":"9f801cec-5c00-4ed4-9253-cd6f9cdad29a"}],"id":"a7829ba8-0acc-4c8b-89ef-8dad6cec9092","description":"

Capital de Giro (PJ)

Existem diversas formas de configurar um fluxo de emissão para um PJ. Primeiramente, siga o diagrama de sequência abaixo:

\n\n

Provedores de Assinatura

Existem algumas opções de provedores de assinatura disponíveis:

Celcoin
\n
1. O Originador é responsável por exibir o documento para o tomador;
  \n
2. O tomador visualiza o documento da CCB e assina clicando em um botão do tipo de aceitação (opt-in);
  \n
3. É enviado um hash com os dados da assinatura;
  \n
\n
Zapsign
\n
1. O tomador visualiza o documento na Zapsign e pode assinar usando um dos seguintes métodos:
  \n
  1. Assinatura manuscrita (desenhada)
    \n
  2. Assinatura digitada
    \n
  3. Imagem de sua assinatura manuscrita
    \n
  \n
\n
Clicksign
\n
1. O tomador visualiza o documento na Clicksign e pode assinar usando um dos seguintes métodos:
  \n
  1. Assinatura manuscrita
    \n
  2. Assinatura digitada
    \n
  3. Imagem de sua assinatura manuscrita
    \n
  \n
2. Biometria — Dependendo do provedor escolhido (Clicksign) e dos requisitos regulatórios, evidências biométricas adicionais podem ser coletadas:
  \n
  1. Biometria Facial
    \n
  2. Detecção de Vivacidade (Liveness Detection)
    \n
  3. Documento Oficial
    \n
  4. Comprovante de Endereço
    \n
  5. Assinatura Manuscrita
    \n
  6. Selfie
    \n
  7. Certificado ICP-Brasil
    \n
  8. PIX
    \n
  9. SMS
    \n
  10. WhatsApp
    \n
  11. E-mail
    \n
  \n
\n
Único
\n
1. O tomador visualiza o documento na Único e pode assinar usando um dos seguintes métodos:
  \n
  1. DOC_SIGN (IDUNICODOCSSIGN)
    \n
  2. DOC_SIGN_SERPRO (IDUNICODOCSSIGNSERPRO)
    \n
  \n
\n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

Etapa de Validação	DOC_SIGN	DOC_SIGN_SERPRO
Prova de vida	✔️	✔️
Verificação de Identidade	✔️	✔️
Captura ou Reaproveitamento de Documento	✔️	✔️
Assinatura eletrônica	✔️	✔️
Similaridade da Serpro	❌	✔️

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Application ID generated when created

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IMPORTANT: The Application's Status must be anynone AFTER \"PENDING_SIGNATURE\"

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IMPORTANT: The Application's status must be \"ISSUED\"

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pm.response.json().access_token);"],"type":"text/javascript","packages":{},"requests":{},"id":"feebf95a-d016-4140-a5cf-505986508bec"}}],"id":"e8dd23e2-19f2-4c60-9da0-8ae612ae3f81","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"basic","basic":{"basicConfig":[{"key":"username","value":"{{originator_client_id}}"},{"key":"password","value":"{{originator_client_secret}}"}]},"isInherited":false},"method":"POST","header":[],"body":{"mode":"formdata","formdata":[{"key":"grant_type","value":"client_credentials","type":"text"}]},"url":"https://sandbox.auth.flowfinance.com.br/oauth2/token","urlObject":{"protocol":"https","path":["oauth2","token"],"host":["sandbox","auth","flowfinance","com","br"],"query":[],"variable":[]}},"response":[{"id":"de22ed00-c1ba-4d21-ac0c-7b76910f0fa3","name":"200 - 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\"refresh_expires_in\": 0,\n \"token_type\": \"Bearer\",\n \"not-before-policy\": 0,\n \"scope\": \"api.banking/originator\"\n}"}],"_postman_id":"e8dd23e2-19f2-4c60-9da0-8ae612ae3f81"},{"name":"2.a — Autorizar pelo fluxo Celcoin","id":"a99ab6fd-795b-4d3b-82fd-e59cc6190a2e","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"{{originator_access_token}}"}]},"isInherited":false},"method":"POST","header":[],"body":{"mode":"raw","raw":"{\r\n \"taxpayer_id\": \"Borrower's tax payer id\",\r\n \"product_id\": \"uuid\",\r\n \"name\": \"Borrower's Name\", // Always full name\r\n \"email\": \"borrower's email\", // Required even if the mode is WHATSAPP or SMS \r\n \"mode\": \"WHATSAPP\", // ENUM -> EMAIL, WHATSAPP or SMS\r\n \"phone\": {\r\n \"country_code\": \"55\",\r\n \"area_code\": \"11\",\r\n \"number\": \"971110864\"\r\n 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\"MONTHLY\"\r\n}","options":{"raw":{"language":"json"}}},"url":"/banking/originator/products//preview"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json","description":"","type":"text"}],"cookie":[],"responseTime":null,"body":"{\r\n \"id\": \"37c9d351-21ce-41cf-8735-9b4ae659225b\",\r\n \"expiration_date\": \"2025-10-29T23:59:59.528422Z\",\r\n \"total_processing_cost\": 2.93,\r\n \"annual_interest_rate\": 0.601032,\r\n \"annual_effective_interest_rate\": 0.668083,\r\n \"monthly_effective_interest_rate\": 0.043562,\r\n \"iof_amount\": 2.93,\r\n \"finance_fee\": 0,\r\n \"interest_rate\": 0.040000,\r\n \"tac_amount\": 0,\r\n \"discount_amount\": 0,\r\n \"borrower_id\": null,\r\n \"product_id\": \"760a6c7e-5dea-4a32-afad-8b9413d0aea7\",\r\n \"discount_rate\": 0.0,\r\n \"total_amount_owed\": 241.30,\r\n \"financed_amount\": 202.93,\r\n \"iof_daily_rate\": 0.000082,\r\n \"iof_base_rate\": 0.0038,\r\n \"requested_amount\": 200,\r\n \"payment_amount\": 24.13,\r\n \"disbursement_amount\": 200.00,\r\n \"num_periods\": 10,\r\n \"first_payment_date\": \"2025-11-01\",\r\n \"issue_date\": \"2025-10-29\",\r\n \"disbursement_date\": \"2025-10-29\",\r\n \"created_at\": \"2025-10-29T22:57:09.528399Z\",\r\n \"schedule\": [\r\n {\r\n \"payment\": 24.13,\r\n \"iof\": 0.10,\r\n \"balance\": 202.92,\r\n \"interest\": 0.09,\r\n \"principal\": 24.04,\r\n \"additional_value\": 0.00,\r\n \"present_value\": null,\r\n \"status\": null,\r\n \"period\": 1,\r\n \"running_day\": 3,\r\n \"late_day\": null,\r\n \"paid_value\": null,\r\n \"payment_date\": \"2025-11-01\"\r\n },\r\n {\r\n \"payment\": 24.13,\r\n \"iof\": 0.15,\r\n \"balance\": 178.88,\r\n \"interest\": 1.01,\r\n \"principal\": 23.12,\r\n \"additional_value\": 0.00,\r\n \"present_value\": null,\r\n \"status\": null,\r\n \"period\": 2,\r\n \"running_day\": 33,\r\n \"late_day\": null,\r\n \"paid_value\": null,\r\n \"payment_date\": \"2025-12-01\"\r\n }\r\n // ... restante do schedule omitido para brevidade\r\n ],\r\n \"schedule_type\": \"MONTHLY\",\r\n \"borrower_type\": null,\r\n \"amortization_type\": \"PRICE\",\r\n \"interest_compounding_type\": \"COMPOUND\",\r\n \"financed_iof\": true,\r\n \"last_payment_date\": \"2026-08-01\",\r\n \"interest_pre_type\": \"BASE_365\",\r\n \"amortization_frequency\": \"MONTHLY\",\r\n \"grace_period_amortization\": [],\r\n \"interest_rate_frequency\": \"MONTHLY\",\r\n \"validation_errors\": null,\r\n \"insurance_amount\": 0,\r\n \"equated_monthly_installment\": 8.44\r\n}"},{"id":"752061ff-4a0e-4e1e-84b8-5fea146e612e","name":"200 OK - Simulação por Valor de Parcela","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\r\n \"payment_value\": 1000,\r\n \"interest_rate\": 0.04,\r\n \"tac_amount\": 0,\r\n \"finance_fee\": 0,\r\n \"iofType\": \"PERSON\",\r\n \"num_payments\": 10,\r\n \"first_payment_date\": \"2025-11-01\",\r\n \"disbursement_date\": \"2025-10-16\",\r\n \"borrower_type\": \"PERSON\",\r\n \"schedule_type\": \"MONTHLY\"\r\n}","options":{"raw":{"language":"json"}}},"url":"/banking/originator/products//preview"},"_postman_previewlanguage":"json","header":[{"key":"Content-Type","value":"application/json","description":"","type":"text"}],"cookie":[],"responseTime":null,"body":"{\r\n \"id\": \"37c9d351-21ce-41cf-8735-9b4ae659225b\",\r\n \"expiration_date\": \"2025-10-29T23:59:59.528422Z\",\r\n \"total_processing_cost\": 2.93,\r\n \"annual_interest_rate\": 0.601032,\r\n \"annual_effective_interest_rate\": 0.668083,\r\n \"monthly_effective_interest_rate\": 0.043562,\r\n \"iof_amount\": 2.93,\r\n \"finance_fee\": 0,\r\n \"interest_rate\": 0.040000,\r\n \"tac_amount\": 0,\r\n \"discount_amount\": 0,\r\n \"borrower_id\": null,\r\n \"product_id\": \"760a6c7e-5dea-4a32-afad-8b9413d0aea7\",\r\n \"discount_rate\": 0.0,\r\n \"total_amount_owed\": 241.30,\r\n \"financed_amount\": 202.93,\r\n \"iof_daily_rate\": 0.000082,\r\n \"iof_base_rate\": 0.0038,\r\n \"requested_amount\": 200,\r\n \"payment_amount\": 24.13,\r\n \"disbursement_amount\": 200.00,\r\n \"num_periods\": 10,\r\n \"first_payment_date\": \"2025-11-01\",\r\n \"issue_date\": \"2025-10-29\",\r\n \"disbursement_date\": \"2025-10-29\",\r\n \"created_at\": \"2025-10-29T22:57:09.528399Z\",\r\n \"schedule\": [\r\n {\r\n \"payment\": 24.13,\r\n \"iof\": 0.10,\r\n \"balance\": 202.92,\r\n \"interest\": 0.09,\r\n \"principal\": 24.04,\r\n \"additional_value\": 0.00,\r\n \"present_value\": null,\r\n \"status\": null,\r\n \"period\": 1,\r\n \"running_day\": 3,\r\n \"late_day\": null,\r\n \"paid_value\": null,\r\n \"payment_date\": \"2025-11-01\"\r\n },\r\n {\r\n \"payment\": 24.13,\r\n \"iof\": 0.15,\r\n \"balance\": 178.88,\r\n \"interest\": 1.01,\r\n \"principal\": 23.12,\r\n \"additional_value\": 0.00,\r\n \"present_value\": null,\r\n \"status\": null,\r\n \"period\": 2,\r\n \"running_day\": 33,\r\n \"late_day\": null,\r\n \"paid_value\": null,\r\n \"payment_date\": \"2025-12-01\"\r\n }\r\n // ... restante do schedule omitido para brevidade\r\n ],\r\n \"schedule_type\": \"MONTHLY\",\r\n \"borrower_type\": null,\r\n \"amortization_type\": \"PRICE\",\r\n \"interest_compounding_type\": \"COMPOUND\",\r\n \"financed_iof\": true,\r\n \"last_payment_date\": \"2026-08-01\",\r\n \"interest_pre_type\": \"BASE_365\",\r\n \"amortization_frequency\": \"MONTHLY\",\r\n \"grace_period_amortization\": [],\r\n \"interest_rate_frequency\": \"MONTHLY\",\r\n \"validation_errors\": null,\r\n \"insurance_amount\": 0,\r\n \"equated_monthly_installment\": 8.44\r\n}"}],"_postman_id":"a096b741-6797-4ea7-b211-5e41e7a0e8b5"},{"name":"5.a — Enviar um KYC externo","id":"fa42fe61-db68-458c-97dc-74b37533f428","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Accept","value":"*/*"},{"key":"Authorization","value":"{{originator_access_token}}","type":"text"}],"body":{"mode":"raw","raw":"{\n \"name\": \"Nome Sobrenome\",\n \"taxpayer_id\": \"1234567890\",\n \"kyc_validation_hash\": \"\"\n}","options":{"raw":{"headerFamily":"json","language":"json"}}},"url":"https://sandbox.platform.flowfinance.com.br/banking/originator/persons/background-check/external?force=true","description":"

Esse endpoint deve ser utilizado para cadastrar uma validação de KYC feita de forma externa aos serviços da plataforma Celcoin.

Parâmetros do Body

name (string, obrigatório): Nome da Pessoa a ter o KYC salvo na base da plataforma Celcoin
\n
taxpayerId (string, obrigatório): O número do CPF da Pessoa.
\n
kyc_validation_hash (string, obrigatório): Campo para enviar o hash do KYC da Pessoa.
\n

Parâmetros do Requisição

force (boolean): Campo para indicar se o KYC do cliente irá substituir em caso de já ter um cadastrado.

Resposta

Em caso de sucesso será retornado um JSON com status_code \"200-OK\". Em caso de falha será retornado um código 40x com a mensagem indicativa do erro.

status (string): Status de retorno do processamento inicial.

Exemplo de JSON:

{\n    \"status\": \"NOT_REQUIRED\"\n}\n

\n","urlObject":{"protocol":"https","path":["banking","originator","persons","background-check","external"],"host":["sandbox","platform","flowfinance","com","br"],"query":[{"key":"force","value":"true"}],"variable":[]}},"response":[{"id":"f0998579-9d82-49ed-b919-6a64ae19d866","name":"400 - O campo 'taxpayer' é inválido","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Accept","value":"*/*"},{"key":"Authorization","value":"{{originator_access_token}}","type":"text"}],"body":{"mode":"raw","raw":"{\n \"name\": \"\",\n \"taxpayer_id\": \"\",\n \"kyc_validation_hash\": \"\"\n}","options":{"raw":{"headerFamily":"json","language":"json"}}},"url":{"raw":"https://sandbox.platform.flowfinance.com.br/banking/originator/persons/background-check/external?force=","protocol":"https","host":["sandbox","platform","flowfinance","com","br"],"path":["banking","originator","persons","background-check","external"],"query":[{"key":"force","value":""}]}},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Mon, 17 Feb 2025 19:38:44 GMT"},{"key":"Content-Type","value":"application/json"},{"key":"Content-Length","value":"191"},{"key":"Connection","value":"keep-alive"},{"key":"apigw-requestid","value":"GJN6wg_RmjQEPOQ="}],"cookie":[],"responseTime":null,"body":"{\n \"message\": \"Constraint violation error\",\n \"detail\": {\n \"taxpayer_id\": [\n \"invalid Brazilian corporate taxpayer registry number (CNPJ)\",\n \"invalid Brazilian individual taxpayer registry number (CPF)\"\n ]\n }\n}"},{"id":"7f52e8b9-54e4-4fd4-ad9a-4fba03d6d3d9","name":"400 - O campo 'taxpayer' é obrigatório","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Accept","value":"*/*"},{"key":"Authorization","value":"{{originator_access_token}}","type":"text"}],"body":{"mode":"raw","raw":"{\n \"name\": \"\",\n \"kyc_validation_hash\": \"\"\n}","options":{"raw":{"headerFamily":"json","language":"json"}}},"url":{"raw":"https://sandbox.platform.flowfinance.com.br/banking/originator/persons/background-check/external?force=","protocol":"https","host":["sandbox","platform","flowfinance","com","br"],"path":["banking","originator","persons","background-check","external"],"query":[{"key":"force","value":""}]}},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Mon, 17 Feb 2025 19:41:26 GMT"},{"key":"Content-Type","value":"application/json"},{"key":"Content-Length","value":"87"},{"key":"Connection","value":"keep-alive"},{"key":"apigw-requestid","value":"GJOUFgAJGjQEM-g="}],"cookie":[],"responseTime":null,"body":"{\n \"message\": \"Constraint violation error\",\n \"detail\": {\n \"taxpayer_id\": [\n \"must not be empty\"\n ]\n }\n}"},{"id":"62774562-a8c2-4eeb-afbf-7e08cbf28369","name":"400 - O campo 'force' é inválido","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Accept","value":"*/*"},{"key":"Authorization","value":"{{originator_access_token}}","type":"text"}],"body":{"mode":"raw","raw":"{\n \"name\": \"\",\n \"taxpayer_id\": \"34315132802\"\n}","options":{"raw":{"headerFamily":"json","language":"json"}}},"url":{"raw":"https://sandbox.platform.flowfinance.com.br/banking/originator/persons/background-check/external?force=","protocol":"https","host":["sandbox","platform","flowfinance","com","br"],"path":["banking","originator","persons","background-check","external"],"query":[{"key":"force","value":""}]}},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Mon, 17 Feb 2025 19:42:18 GMT"},{"key":"Content-Type","value":"application/json"},{"key":"Content-Length","value":"53"},{"key":"Connection","value":"keep-alive"},{"key":"apigw-requestid","value":"GJOcIg2eGjQEMXw="}],"cookie":[],"responseTime":null,"body":"{\n \"message\": \"Invalid value for parameter named force\"\n}"},{"id":"22a67550-91e7-44e8-b659-8efbfc7b054d","name":"200 - KYC enviado com sucesso","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Accept","value":"*/*"},{"key":"Authorization","value":"{{originator_access_token}}","type":"text"}],"body":{"mode":"raw","raw":"{\n \"name\": \"Nome Sobrenome\",\n \"taxpayer_id\": \"3111111111111\",\n \"kyc_validation_hash\": \"\"\n}","options":{"raw":{"headerFamily":"json","language":"json"}}},"url":{"raw":"https://sandbox.platform.flowfinance.com.br/banking/originator/persons/background-check/external?force=true","protocol":"https","host":["sandbox","platform","flowfinance","com","br"],"path":["banking","originator","persons","background-check","external"],"query":[{"key":"force","value":"true"}]}},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Date","value":"Mon, 17 Feb 2025 19:44:10 GMT"},{"key":"Content-Type","value":"application/json"},{"key":"Content-Length","value":"21"},{"key":"Connection","value":"keep-alive"},{"key":"apigw-requestid","value":"GJOttiECmjQENKA="}],"cookie":[],"responseTime":null,"body":"{\n \"status\": \"APPROVED\"\n}"}],"_postman_id":"fa42fe61-db68-458c-97dc-74b37533f428"},{"name":"6. — Cadastro do Tomador","id":"5b976b1d-f8c3-439e-a2ba-ae781a734d09","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"{{originator_access_token}}"}]},"isInherited":false},"method":"POST","header":[],"body":{"mode":"raw","raw":"{\r\n \"full_name\": \"Fulano de Tal\",\r\n \"taxpayer_id\": \"24309157823\", // CPF or CNPJ without special characters ( . - / )\r\n \"sex\": \"MALE\", // ENUM -> MALE, FEMALE or OTHER\r\n \"nationality\": \"Brasileiro\",\r\n \"birth_date\": \"1990-02-04\",\r\n \"occupation\": \"Analista de Onboarding\",\r\n \"pep\": false, // Politically Exposed Person - By default -> false\r\n \"email_address\": \"fulano.tal@email.com\",\r\n \"mothers_name\": \"Nome da Mãe\",\r\n \"phone\": {\r\n \"country_code\": \"+55\", // DDI - 55 -> Brazil\r\n \"area_code\": \"11\", // DDD - 11 -> Sao Paulo city\r\n \"number\": \"999999999\" // Phone number \r\n },\r\n \"address\": {\r\n \"street_number\": 123,\r\n \"street_name\": \"Av. Exemplo\",\r\n \"postal_code\": \"03273500\", // Postal code without special characters\r\n \"district\": \"Bairro Exemplo\",\r\n \"city\": \"São Paulo\",\r\n \"state_code\": \"SP\", // State - SP -> Sao Paulo - RJ -> Rio de Janeiro\r\n \"country_code\": \"BRA\" // Country - BRA -> Brazil\r\n }\r\n}","options":{"raw":{"language":"json"}}},"url":"https://sandbox.platform.flowfinance.com.br/banking/originator/persons","urlObject":{"protocol":"https","path":["banking","originator","persons"],"host":["sandbox","platform","flowfinance","com","br"],"query":[],"variable":[]}},"response":[],"_postman_id":"5b976b1d-f8c3-439e-a2ba-ae781a734d09"},{"name":"7. — Emissão da CCB","event":[{"listen":"prerequest","script":{"id":"3562420d-7188-4543-8ed1-57a74519ba13","exec":["var num = _.random(8,15);\r","pm.environment.set(\"numPayments\", num);\r","\r","const moment = require('moment');\r","pm.environment.set(\"disbursementDate\", moment().format(\"YYYY-MM-DD\"));\r","pm.environment.set(\"firstPaymentDate\", moment().add(5, 'days').format(\"YYYY-MM-DD\"));"],"type":"text/javascript","packages":{},"requests":{}}},{"listen":"test","script":{"id":"99fea000-275b-4695-a5e6-04f9d55daf75","exec":["pm.environment.set(\"ccbId\", pm.response.json().id);"],"type":"text/javascript","packages":{},"requests":{}}}],"id":"708c2592-2525-40af-aba1-bbccdcf4ce16","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"{{originator_access_token}}"}]},"isInherited":false},"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n \"borrower\": {\n \"id\": \"{{borrowerid}}\"\n },\n \"product\": {\n \"id\": \"{{productId}}\"\n },\n \"funding\": {\n \"id\": \"{{fundingId}}\"\n },\n \"balance_check_id\": \"{{balanceCheckId}}\",\n \"simulation_id\": \"{{id}}\",\n \"first_payment_date\": \"2025-11-10\",\n \"disbursement_date\": \"2025-10-22\",\n \"amortization_type\": \"PRICE\",\n \"amortization_frequency\": \"MONTHLY\",\n \"interest_rate_frequency\": \"MONTHLY\",\n \"signature_collect_method\": \"LINK\",\n \"signature_provider\": \"CLICKSIGN\"\n}","options":{"raw":{"language":"json"}}},"url":"https://sandbox.platform.flowfinance.com.br/banking/originator/applications","urlObject":{"protocol":"https","path":["banking","originator","applications"],"host":["sandbox","platform","flowfinance","com","br"],"query":[],"variable":[]}},"response":[{"id":"3e8c6447-6630-485b-b806-59c942cc3d49","name":"06 - Application Created","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n \"product\": {\n \"id\": \"cabe38ea-b345-4b13-90cf-045b8962b7fe\"\n },\n \"funding\": {\n \"id\": \"ecc143f4-e1cc-499b-ae1f-be6a47004dca\"\n },\n \"borrower\": {\n \"id\": \"403e66a1-a8ff-4e8f-86e3-a8f6bb918f8c\"\n },\n \"balance_check_id\": \"{{balanceCheckId}}\", // Got on 4th step. 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Date","domain":"","path":""}],"responseTime":null,"body":"{\n \"id\": \"bbe86e59-1a39-495b-884e-6d4adc516cfb\",\n \"product\": {\n \"id\": \"cabe38ea-b345-4b13-90cf-045b8962b7fe\"\n },\n \"borrower\": {\n \"id\": \"403e66a1-a8ff-4e8f-86e3-a8f6bb918f8c\"\n },\n \"requested_amount\": 100,\n \"interest_rate\": 0.01,\n \"interest_pre_type\": \"BASE_360\",\n \"annual_interest_rate\": 0.126825,\n \"tac_amount\": 0,\n \"finance_fee\": 0,\n \"num_payments\": 2,\n \"first_payment_date\": \"2025-10-28\",\n \"disbursement_date\": \"2025-09-28\",\n \"allow_disbursement_on_sign\": null,\n \"issue_date\": \"2025-09-28\",\n \"status\": \"AGREEMENT_RENDERING\",\n \"cession_status\": \"NOT_CEDED\",\n \"status_description\": null,\n \"loan_details\": {\n \"total_processing_cost\": 0.75,\n \"annual_interest_rate\": 0.126825,\n \"interest_rate\": 0.01,\n \"annual_effective_interest_rate\": 0.195547,\n \"monthly_effective_interest_rate\": 0.014995,\n \"total_amount_owed\": 102.28,\n 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\"categoria\": \"avencer\",\n \"descricao\": \"A vencer de 61 a 90 dias\",\n \"valor\": \"1265.6\"\n },\n {\n \"categoria\": \"avencer\",\n \"descricao\": \"A vencer de 721 a 1080 dias\",\n \"valor\": \"7058.45\"\n }\n ],\n \"valor\": 33931.59\n },\n {\n \"modalidade\": {\n \"titulo\": \"Limites\",\n \"subtitulo\": \"Cheque especial\"\n },\n \"variacaoCambial\": \"Não\",\n \"vencimentos\": [\n {\n \"categoria\": \"avencer\",\n \"descricao\": \"A vencer (prazo não especificado)\",\n \"valor\": \"1820\"\n }\n ],\n \"valor\": 1820\n }\n ],\n \"carteiraAtiva\": 67326.89,\n \"carteiraDeCredito\": 67855.87,\n \"relacoesInterfinanceiras\": 0,\n \"garantiasPrestadas\": 0,\n \"coobrigacao\": 0,\n \"responsabilidadeTotal\": 67855.87,\n \"limiteDeCredito\": 6054.14,\n \"creditosALiberar\": 0,\n \"riscoTotal\": 73910.01\n }\n }\n}"}],"_postman_id":"12ce9f4c-1a7e-4905-b706-f387f49f0407"}],"id":"c9bc91be-5776-4b3b-8d70-ff8d143b2a4a","description":"

Esse serviço permite a realização de uma consulta a base de dados SCR do BACEN a partir de um CPF ou CNPJ..

SCR é a sigla para Sistema de Informações de Crédito, um banco de dados mantido pelo Banco Central do Brasil que registra informações sobre operações de crédito, financiamentos, avais e fianças de pessoas físicas e jurídicas. O sistema tem múltiplas finalidades: auxilia o Banco Central na fiscalização, permite que instituições financeiras troquem informações para avaliar o risco de crédito e oferece aos cidadãos a possibilidade de consultar seu próprio histórico de dívidas.

O SCR é um instrumento de registro gerido pelo BC e alimentado mensalmente pelas instituições financeiras.

O SCR permite à supervisão bancária a adoção de medidas preventivas, com o aumento da eficácia de avaliação dos riscos inerentes à atividade. Por meio dele, o BC consegue verificar operações de crédito atípicas e de alto risco, sempre preservando o sigilo bancário.

São registrados no SCR

- empréstimos e financiamentos;
- adiantamentos;
- operações de arrendamento mercantil;
- coobrigações e garantias prestadas;
- compromissos de crédito não canceláveis;
- operações baixadas como prejuízo e créditos contratados com recursos a liberar;
- demais operações que impliquem risco de crédito;
- operações de crédito que tenham sido objeto de negociação com retenção substancial de riscos e de benefícios ou de controle;
- operações com instrumentos de pagamento pós-pagos; e
- outras operações ou contratos com características de crédito reconhecidas pelo BC.

Mais detalhes em: https://www.bcb.gov.br/estabilidadefinanceira/scr

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