Open Finance Integration for AI Agents
Open Finance Brasil is the system regulated by Brazil's central bank that lets account holders share banking data and initiate payments across institutions, with the holder's consent. The agent reaches Open Finance data through an authorized institution or aggregator that your company contracts, always with the account holder's consent. The scope is defined in the diagnosis.
What AI agents do with Open Finance
Cash flow across all banks
With your company's consent, the agent reads balances and statements from each account and builds the day's consolidated cash position. The CFO sees everything in one place.
Multibank reconciliation
The agent matches inflows from several banks to the open items in your ERP, wherever the customer paid. Mismatches go to a review queue.
Credit analysis with authorized data
For companies that sell on credit terms, the agent reads the data the customer agreed to share and prepares a summary for the analyst to set the limit.
Consent renewal
The agent tracks consents that are close to expiring and warns the owner before the data stops arriving.
Connect Open Finance once. The agents use it within your rules.
- Through the APIConnected through the app’s API: iTeam learns the endpoints from the documentation and the scope is confirmed in the diagnosis.
- Each agent gets the right accessYou decide what each agent can read or do in Open Finance, by area and by person.
- Human approval where it mattersSensitive actions wait until someone with the authority approves them.
- A trail and a cost for every actionWho asked, what the agent did in Open Finance and what it cost, all on record.
Ready-made AI teams that use Open Finance
Often used together with Open Finance
Questions about Open Finance and AI agents
Does iTeam integrate with Open Finance?
Yes, through a participating institution or an authorized aggregator that your company contracts, such as Pluggy or Belvo. iTeam is not a regulated institution and does not access the system directly.
How do consent and data protection work?
Every access depends on the account holder's consent, with a defined term and scope, in line with Brazil's data-protection law (LGPD). The agent reads only what was authorized, and every query is recorded in the audit trail.
Can it initiate payments?
Payment initiation depends on the provider you contract and always goes through human approval in iTeam.
