Submit counter-proposals

POST https://api.caas.staging.bancocdc.com.br/ect/counter-proposals

Submits an array of counter-proposals (N:N). We enqueue each, validate it, and forward them to Dataprev's inclusao-garantias endpoint in batches. A single object is also accepted (wrapped into a 1-item array). Each item in the array gets its own result in the response.

Proposal fields

Field	Type	Required	Description
numeroProposta	string	yes	Your proposal id; echoed back so you can match the result. Must be unique per institution.
idSolicitacaoProposta	int	yes	Lead's id_dataprev (from the reserve response).
dataHoraValidadeProposta	string ddMMyyyyHHmmss	yes	Proposal validity; must be in the future.
contatos	array	yes	Contact channels offered to the worker (see contact types below).
contatos[].tipo	int	yes	Contact type: 0=URL, 1=WhatsApp, 2=phone, 3=e-mail, 4=other.
contatos[].contato	string	yes	The contact value (phone number, URL, e-mail).
codigoSolicitante	int	yes	Always CDC's code (470).
numeroParcelas	int	yes	Number of installments.
valorParcela	decimal	yes	Installment amount.
valorLiberado	decimal	yes	Amount released to the worker.
valorEmprestimo	decimal	yes	Total financed amount.
valorIOF	decimal	yes	IOF tax.
valorTaxaAnual	decimal	yes	Annual interest rate (%).
valorCETAnual	decimal	yes	Annual total effective cost / CET (%).
valorTaxaMensal	decimal	yes	Monthly interest rate (%).
valorCETMensal	decimal	yes	Monthly CET (%).
temGarantias	bool	no (default false)	Whether this proposal uses the FGTS guarantee.
valorSaldoDisponivelGarantiaFgts	decimal	when temGarantias=true	FGTS available balance.
valorMultaRescisoriaGarantiaFgts	decimal	when temGarantias=true	FGTS termination penalty.
percVerbaRescisoriaGarantia	number	when temGarantias=true	Termination allowance (%, up to 35%).

Contact types (contatos[].tipo)

tipo	Meaning
0	URL
1	WhatsApp
2	Phone
3	E-mail
4	Other

For WhatsApp (tipo: 1), send the value formatted as <phone>?text=<url-encoded text>.

Guarantee & business rules (validated by Dataprev)

• Without guarantee → send exactly 1 proposal, without guarantee (FJ).
• With guarantee → send exactly 2 proposals: one with guarantee and one without. The
  guaranteed proposal must have a lower interest rate than the non-guaranteed one (FJ).
• At most 2 proposals per solicitação (OL).
• Guarantee values in the proposal must be ≤ the solicitação's values and satisfy the
  100% coverage rule (FI).
• valorLiberado must be < valorParcela × numeroParcelas (BL) and ≤ valorEmprestimo (BQ).
• valorCETAnual must be > valorCETMensal (OV); monthly rate within the system cap (TN).
• dataHoraValidadeProposta must be in the future (OU); worker must be loan-eligible (HU).

Our pre-validation (before sending to Dataprev)

• If the idSolicitacaoProposta exists in our base, the temGarantias flag must match
  the lead's guarantee status (synced from Dataprev) — otherwise the item is blocked.
• The lead must still be available to you (reserved/active); otherwise blocked.
• dataHoraValidadeProposta must not be in the past.

Response fields

Field	Description
total	Number of proposals processed.
aceitas	Number accepted by Dataprev (status = aceita).
resultados[]	One result per submitted proposal.
resultados[].numeroProposta	Echo of the id you sent, so you can match the result.
resultados[].contraproposta_hash	Our id for the submitted counter-proposal (use it to look up status).
resultados[].status	Final state of the proposal (see table).
resultados[].codigo_retorno_dataprev	Dataprev return code (BD = success).
resultados[].mensagem	Human-readable result message.

status values

Status	Meaning
aceita	Dataprev accepted the proposal (codigo_retorno_dataprev = BD).
rejeitada	Dataprev rejected the proposal (any code other than BD).
bloqueada	Blocked by us before sending (guarantee-flag mismatch or lead unavailable).
enviada	Sent (HTTP 2xx) but without an item-level confirmation from Dataprev.
cancelada_expirada	dataHoraValidadeProposta was in the past.
erro	Technical failure talking to Dataprev (retry scheduled).

Dataprev return codes (codigo_retorno_dataprev) — from Dataprev's Manual Leilão de
Propostas (v1.8):

Code	Meaning
BD	Inclusion completed successfully.
OU	Proposal validity date must be later than the current date.
OV	Annual CET must be greater than the monthly CET.
SC	Referenced solicitação must be valid (validity date in the future).
HA	Number of proposals for the solicitação exceeds the system limit.
SE	numeroProposta must be unique for the institution.
SO	Solicitação already has a registered (averbado) loan.
HV	Number of installments above the system maximum.
TN	Monthly interest rate above the allowed maximum.
BL	valorLiberado must be less than valorParcela × numeroParcelas.
BQ	valorLiberado must be ≤ valorEmprestimo.
HU	Worker is not loan-eligible.
OL	Invalid number of proposals submitted (max. 2).
FJ	Invalid proposal (with/without-guarantee rules; guaranteed proposal must have a lower rate).
FI	Invalid guarantee values (exceed the solicitação / insufficient coverage).
BC	Invalid CBC — check codigoSolicitante.
GB	Badly formatted date — use ddMMyyyyHHmmss.
OT	Value exceeds the max number of characters for the field.
GA, SD, PI, IO, SB, GE, PN	Required field filled incorrectly — check the field's rules.