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Open Banking, direct integrations and crypto

Banks and crypto, connectedto your operation.

Connect accounts and transactions from European banks through Open Banking (PSD2) and Brazilian banks through Brazil's Open Finance, plus direct bank integrations. Bring your financial data into one place, wire in payments and feed categorization, reconciliation and your ERP.

Book a demoIntegrations (Portuguese)

Connected sources

4 sources · 1 needs attention

  • ItaúOpen Finance BrazilChecking · Head office · Balance and statementUpdated 09:41
  • BradescoDirect integrationChecking · Branch 02 · Statement and payment returnsUpdating
  • SantanderOpen Finance BrazilCollections account · Head office · Consent expires in 5 daysNeeds attentionUpdating
  • Crypto walletWalletTreasury · USDT · 3 new transactionsUpdating

Balances per account, each in its own currency. Sample data.

The routine today

Your finance team works in many places.And stitches it together by hand.

Balances at the banks, payments in different portals, transactions in wallets and records in the ERP. When that information is disconnected, the team has to find, check and organize the data before anything moves.

  1. 01

    Scattered information

    Accounts, companies and wallets in different places, with no consistent view of balances and transactions.

  2. 02

    Collection on repeat

    Portal logins, downloads and imports that come back every day, account by account.

  3. 03

    Manual checking

    Hours spent matching each transaction to a payment, a receipt or an ERP record.

  4. 04

    Close with loose ends

    Differences and missing information that only show up once they reach finance and accounting.

  • Bank A portal

    Token on the phone

  • statement_branch02.ofx

    Downloaded at 08:12

  • Payments portal

    Bank B

  • reconciliation_v7.xlsx

    Last edited: yesterday

  • Crypto wallet

    Manual export

  • ERP · open items

    214 items

Illustration of a disconnected routine.

From connection to ERP

Every connection feedsa workflow.

Openi brings together the information from your connected sources and routes it to categorization, reconciliation and your systems. Rules run the routine; your team handles the exceptions that need a closer look.

  1. 01 · ConnectAutomatic

    Source identified

    Source
    Itaú · Open Finance Brazil
    Account
    Checking · Head office
    Received
    Nov 6 · 09:41
  2. 02 · StructureAutomatic

    Data organized

    Type
    Pix received
    Counterparty
    Distribuidora Aurora
    Amount
    R$12,480.00
  3. 03 · Categorize and reconcileAutomatic

    Account and match found

    Account
    Sales revenue
    Match
    Invoice 4471 · NF-e 000.482.120
    Item
    Closed automatically
    CategorizationReconciliation
  4. 04 · Post to the ERPAutomatic

    Entry sent

    Target
    Company ERP
    Entry
    Sent · 09:43
    Status
    Reconciled
    ERP integration and workflows

Exception · Inter · Checking · Branch 03

R$1,260.00 debit with no matching item

No rule found a match in the ERP. The item goes to the mismatch queue, with both sides in view.

Next step: finance links the open item or categorizes the expense.

Team decision

Categorization, reconciliation and posting to the ERP depend on the modules and rules set up for your operation.Sample data.

Coverage

Connect the institutionsand systems you work with.

Combine Open Banking and direct integrations to match the institutions, data and services your company uses. The same institution can offer different services through different paths.

Full catalog (Portuguese)

  • Path 1

    Through Open Banking

    Data sharing authorized by the account holder: European banks through Open Banking (PSD2), Brazilian banks through Brazil's Open Finance, which also allows Pix payment initiation, depending on each institution's services.

    • Accounts, balances and transactions
    • Cards and investments (Brazil's Open Finance)
    • Pix initiated with authorization at the bank (Brazil)

  • Path 2

    Direct integrations

    Connectors between Openi and financial institutions, card acquirers and banking services, wired into your company's processes.

    • Statements and balances with no downloads
    • Payments, including batches, with returns tracked
    • Boletos and Pix collection requests issued (Brazil)
    • Card acquirer sales, fees and settlements
  • ItaúBankOpen Finance Brazil

    Business accounts and personal accounts: balances and transactions

    Account holder's consent

  • BradescoBankOpen Finance Brazil

    Business accounts and personal accounts: balances and transactions

    Account holder's consent

  • SantanderBankOpen Finance Brazil

    Business accounts and personal accounts: balances and transactions

    Account holder's consent

  • CaixaBankOpen Finance Brazil

    Business accounts and personal accounts: balances and transactions

    Account holder's consent

  • Banco do BrasilBankOpen Finance Brazil

    Business accounts and personal accounts: balances and transactions

    Account holder's consent

  • NubankBankOpen Finance Brazil

    Business accounts and personal accounts: balances and transactions

    Account holder's consent

  • InterBankOpen Finance Brazil

    Business accounts and personal accounts: balances and transactions

    Account holder's consent

  • BTG PactualBankOpen Finance Brazil

    Business accounts, personal accounts and investments: balances and transactions

    Account holder's consent

  • SicoobCredit unionOpen Finance Brazil

    Business accounts and personal accounts: balances and transactions

    Account holder's consent

  • SicrediCredit unionOpen Finance Brazil

    Business accounts and personal accounts: balances and transactions

    Account holder's consent

16 more Brazilian banks and credit unions in the catalog, plus the full list of Brazil's Open Finance institutions.

Find an institution

Brazil's Open Finance alone has more than 800 participating institutions. Availability of each institution, account and service is confirmed when you connect and during onboarding.

Open Banking

Bank data connectedwith the account holder's authorization.

The account holder picks the institution and the data, authorizes it at the bank and follows the connection. Authorized data arrives in one format, from European and Brazilian banks alike, ready for financial management, reconciliation and your systems.

Connection journey

  1. 1Pick the institutionOn Openi's connection screen.
  2. 2Choose the dataAccounts, plus cards or investments in Brazil.
  3. 3Authorize at the bankAuthentication happens on the institution's own screens.
  4. 4Follow the connectionStatus, last update and consents due for renewal.

Selecione a instituição

Sua instituição financeira

  • Itaú
  • Bradesco
  • Santander
  • Nubank
  • Inter
  • Caixa

3 de 3 selecionados

ContasSaldos e extrato
Cartões de créditoFaturas e lançamentos
InvestimentosPosições e rendimentos

Openi connection screens.

Open Banking connections

3 connections · 1 to renew

  • Itaú · Head office · CheckingAccounts and cards · Updated 09:41Active
  • BTG Pactual · Head office · InvestmentsInvestments · Updated 09:20Active
  • Santander · Branch 02 · CheckingAccounts · Expires in 5 daysRenew

Sample data.

Available data

Accounts
Account details, balances and transactions.
Cards
Statements and card transactions, through Brazil's Open Finance.
Investments
Positions and transactions, through Brazil's Open Finance.

Reading isn't paying

Data consent
Authorizes reading the chosen information for a set period, and can be revoked at the bank itself.
Payment authorization
Covers one specific payment (Pix, in Brazil) and is confirmed by the account holder at the bank, every time.

Available data, history and update frequency vary by institution and connection.

Direct integrations

Direct integrationsfor multi-bank operations.

Connect financial institutions and card acquirers to your company's processes. Information arrives without portal logins, operations go out to the bank and every response comes back to the same place, tied to the internal process.

  1. 01

    Accounts and transactions

    Balances and statements received every day, with no downloads or imports.

  2. 02

    Multi-bank operations

    Accounts across institutions and companies, organized, each data point with its source.

  3. 03

    Payments, collections and returns

    Payments sent one by one or in batches, collection requests issued, processing tracked and exceptions handled.

  4. 04

    Connected to your systems

    Bank responses tied to the financial and accounting records in the ERP.

Connected services

Today · 3 companies

  • Head office · Bank AAcct 1204-7 · Statement and balance · 09:40Received
  • Branch 02 · Bank BAcct 8890-1 · Payments · 09:32Return received
  • Branch 02 · Bank BAcct 8890-1 · Payments · 09:32Payee details don't match1 exception
  • Branch 05 · Card acquirerMerchant 0451 · Sales and settlements · 08:15Processed

Sample data.

Financial institutions
Openi
ERP and systems

Payments and collections

Pay, collect and get paidinside your finance workflow.

Pay, collect and get paid, tied to your company's commitments and records. Follow authorizations, confirmations and exceptions all the way to reconciliation against the statement. In Brazil, on its local rails.

From captured boleto to reconciled debit.

Boletos (Brazilian payment slips) captured through DDA and payments added in Openi go out to the bank, one by one or in batches: Pix, Brazil's instant payments, initiated through Brazil's Open Finance with the account holder's authorization, or through a direct integration, with each payment's return tracked. Every debit comes back reconciled with the commitment behind it.

  1. Preparation
  2. Authorization
  3. Processing
  4. Confirmation
  5. Reconciliation

Authorized isn't paid: a payment only counts as confirmed once the bank's return comes in, and as reconciled once the debit shows on the statement.

Today's payments

  • Fornecedor NortePix · Open Finance Brazil-R$12,480.00
    Step 5 of 5: ReconciliationReconciled
  • Batch 0312 · 18 suppliersBatch payment · direct integration-R$96,430.00
    Step 3 of 5: ProcessingProcessing
  • Power bill, branch 03Boleto captured via DDA · direct integration-R$3,912.40
    Step 4 of 5: ConfirmationConfirmed by the bank
  • Prestador LestePix · Open Finance Brazil-R$2,180.00
    Step 2 of 5: AuthorizationAwaiting authorization

    The account holder confirms the payment at the bank.

Sample data.

Crypto

Financial and accounting contextfor crypto transactions.

Bring transactions from connected wallets in next to your bank accounts, with each transaction's data, and run that activity through the same categorization, reconciliation and accounting integration.

  1. 01

    Connected sources

    Supported wallets and sources are confirmed with the team in the demo.

  2. 02

    Transaction data

    Asset, quantity, origin, destination, date, identifier and fee, depending on the source.

  3. 03

    Transaction context

    Receipt, payment, fee or transfer between the company's own wallets.

  4. 04

    Accounting continuity

    Categorization, reconciliation and posting to the books, just like a bank account.

Wallets · today's transactions

Selected transaction

Receipt · USDT

Categorized
Asset
USDT
Quantity
2,500.00 USDT
Origin
0x8f3c…a41e
Destination
Treasury wallet
Date
Nov 6 · 08:52
Identifier
0x5b1e…c09d
Fee
—
Context
Customer payment
Category
Accounts receivable
Reconciliation
Invoice 2026-118 · reconciled

Quantities shown in each asset's own unit. No amount in reais is added to the bank balances. Sample data.

Onboarding

Connectivity set upfor your operation.

We map the sources and services you need, set up the connections and validate the data and operation flows with your company's systems. Timing depends on the institutions and services involved.

  1. 1MapInstitutions, accounts, wallets, systems and goals for each company.
  2. 2Set upConnections, consents and authorizations for each service.
  3. 3ValidateIncoming data, operations and integration with your systems.
  4. 4MonitorUpdates, processing and day-to-day exceptions.

Security and governance

Data and operationsunder control at every step.

Every access and every operation goes through an authorization from someone entitled to give it.

Openi security (Portuguese)
  • Data consentThe account holder chooses what to share and for how long, and can revoke it at the bank itself.
  • Passwords stay putWith Open Banking, authentication happens on the institution's own screens. Openi only receives what was authorized.
  • Payment authorizationPayments through Brazil's Open Finance are confirmed by the account holder at the bank, one by one.
  • Companies kept apartEach company's accounts, wallets and data stay separate, operated in one place.
  • Who does whatOpeni is a technology company, not a financial institution: it doesn't lend money or hold funds. Accounts and payments stay with the institutions.

Customer stories

Connectivity at workin real operations.

All customer stories
Fiotec

Bank accounts

4,000 bank accounts monitored through Brazil's Open Finance

Fiotec reads 4,000 bank accounts through Brazil's 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 statements downloaded by hand.

accounts connected through Brazil's Open Finance
4,000
of transactions read every month
Thousands
Read the full case

FAQ

Before you connect.What people ask when signing up.

Didn't find what you were looking for?

Talk to a specialist and get your answer straight from our team.

Talk to a specialist

European banks through Open Banking (PSD2); Brazilian banks, credit unions and payment accounts through Brazil's Open Finance, which has more than 800 participating institutions; financial institutions and card acquirers through direct integrations; crypto wallets; and your ERP. The integrations catalog (in Portuguese) lists what's available, and coverage for each service is confirmed in the demo.

Demo

See Openiin your operation.

Leave your details. An Openi specialist will get back to you by email.

  1. You leave your details

    It takes less than a minute.

  2. A specialist gets in touch

    To understand your banks, your ERP and what takes up the most time today.

  3. You see Openi at work

    Reconciliation, categorization and reporting in cases like yours.
or chat on WhatsApp

Demo environment: details are not stored or sent.