Our banking products are crafted to meet your financial needs and support you in achieving your economic goals.

Introduction

In a dynamic financial environment, our company offers comprehensive banking services to empower businesses to optimize and expand their operations. Our API allows seamless integration of financial functionalities, providing flexibility and efficiency in managing credit operations with a focus on transparency and security.

Operation Simulations:
Our API supports simulations for various credit modalities, including interest rate calculations, installment planning, anticipation, and FGTS withdrawals, delivering a tailored experience for each type of operation.

Calculation Modalities:
- Interest Rate Calculation: Computes the interest rate applied to loans, offering clarity on associated costs.
- Anticipation of Installments: Allows users to prepay installments, providing financial benefits for early loan settlements.
- FGTS Withdrawal: Integrates with FGTS, allowing users to use funds either as a payment or to reduce their debt balance.
Credit Policy:
Our credit policy guides the granting and management of loans, balancing the supply of credit with risk mitigation.

Key Elements:
- Risk Analysis: Evaluates factors such as credit history, financial capacity, and other criteria.
- Documentation Requirements: Specifies the necessary documents for credit application.
- Interest Rate Policy: Sets the applicable rates for different loan types.
- Credit Limits: Determines the maximum credit available based on the customer’s financial profile.
- Payment Terms: Defines payment schedules to ensure financial sustainability.
- Continuous Monitoring: Procedures for ongoing tracking during the loan's lifecycle.
Data and Document Management:
For credit approval, complete customer registration is required, including personal, banking, and verification documents. We use a Bureau engine to validate this data, ensuring that the credit aligns with our policy.
Formalization and Signature:
After credit approval, formalization takes place through the signing of the Credit Note (CCB). The digital signature process is facilitated via a platform where the customer verifies their identity with a selfie and document, ensuring compliance and security.
Monitoring and Review:
Every credit operation undergoes an internal review process, validating all provided information and ensuring compliance with our credit policy before final disbursement.

By choosing our banking solution, you are embracing a unique opportunity to transform your company into a leader in the financial sector. With our platform, you will be able to offer personalized financial services with speed, efficiency, and security. CDC excels in the banking process, ensuring fast and effective integration tailored to your needs, while you deliver exceptional experiences to your customers.