Open Finance · 4 Fases · FAPI · LGPD
Open Finance natively integrated
BACEN-mandated Open Finance fully embedded in the Revenu platform. Share data, initiate payments, and access credit proposals through standardized APIs with built-in consent management.
Consent GrantActive
TitularJoão Silva
Scopesaccounts, transactions
Expira12 meses
FAPICertified
Phase 1
Data
Phase 2
Payments
Phase 3
Credit
Phase 4
Insurance
Consent granted — FAPI certified
mTLS + OAuth 2.0
4
Phases covered
FAPI
Certified
mTLS
Security
LGPD
Consent
OAuth 2.0
Authentication
BACEN
Regulation
All 4 Phases Covered
Complete implementation of BACEN's Open Finance regulation, from data sharing to insurance and investment products.
Phase 1
Data Sharing
Standardized APIs for sharing customer account data, transaction history, and product information across participating institutions with granular consent controls.
Phase 2
Payment Initiation
Initiate PIX and TED payments directly from third-party applications. Seamless checkout experiences with real-time payment confirmation and status tracking.
Phase 3
Credit Proposals
Enable customers to receive and compare credit offers from multiple institutions. Forward credit proposals with standardized terms and conditions.
Phase 4
Insurance & Investment
Extend Open Finance to insurance policies and investment products. Portability and comparison across institutions with full regulatory compliance.
Complete Open Finance, one API
LGPD consent management
Create, query and revoke consents with granular scope control.
Consent — Request
1curl https://api.revenu.com/open-finance/consents \2-u:prod_key \3-d holder_cpf='12345678900' \4-d scopes='accounts,transactions' \5-d expiration_months=12▌
Response — 200 OK
{
"consent_id": "cns_7xMn8kR5",
"status": "active",
"scopes": "accounts,transactions",
"expires_at": "2027-03-21T14:30:00Z",
"fapi_compliant": true
}▌
Enterprise Open Finance, production-ready
Open Finance
Data Sharing
Standardized APIs for account data, transactions and products between participating institutions.
Payment Initiation
PIX and TED initiated from third-party apps with transparent checkout and real-time confirmation.
Credit Proposals
Customers receive and compare credit offers from multiple institutions via standardized API.
Insurance & Investments
Portability and comparison of policies and investment products between institutions.
Security
OAuth 2.0
Industry-standard authorization framework for secure API access. Token-based authentication with configurable scopes and expiration policies.
FAPI Compliance
Financial-grade API security profile ensuring the highest level of protection for financial data. Certified implementation following OpenID Foundation standards.
mTLS
Mutual TLS authentication for all API communications. Certificate-based identity verification ensuring both client and server authenticity.
Consent Management
LGPD-compliant consent lifecycle management. Granular permissions, time-limited access, and one-click revocation with full audit trail.
Platform
Native Directory
Native integration with BACEN participant directory. Automatic institution and endpoint discovery.
Webhooks
Events for consent grant/revoke, data received, payment initiated and proposal received.
Automatic Refresh
Access tokens automatically renewed within consent period. Zero manual intervention.
Analytics
Dashboard with consent volume, data sharing, payments initiated and compliance metrics.
Native Open Finance vs. build in-house
Build in-house
Com Revenu
Phases
Partial (1-2)
4 complete phases
Security
Basic OAuth
FAPI + certified mTLS
Consent
Manual implementation
Native LGPD + lifecycle
Directory
Manual integration
Automatic discovery
Certification
Long process
FAPI-certified built-in
Maintenance
Manual updates
Continuous BACEN compliance
Case Study
“We implemented all 4 phases of Open Finance in 6 weeks with Revenu. What would take 12+ months in-house was ready with FAPI certification included.”
Head de Inovação, Banco Digital Beta
6 weeks
4 phases implemented
FAPI
Certification included
12+ months
Saved
100%
Compliance BACEN
Test Open Finance now
Sandbox with consent, data sharing and simulated payment initiation.
Free sandbox4 simulated phasesTest FAPI
Sandbox
Test Open Finance
4 phases in sandbox.
Free sandbox environment · No credit card
BACEN certified
BACEN
ISO 27001
PCI DSS v4.0
LGPD
MED 2.0
ISO 20022
Em conformidade com a Resolução Conjunta BACEN nº 1/2020, Resolução BCB nº 32/2020 e instruções normativas subsequentes.
Start building today
Direct access to complete banking infrastructure: accounts, cards, payments and capital. Build your financial products on your terms, without unnecessary intermediaries.