Konsi Consignado API & Open Finance Integration

Consignado rate comparison and simulation engine

You run a comparison site or internal tool that needs live consignado rates. We deliver an API that returns simulations for a given value, term, and profile (INSS, CLT, state server), with fields such as bank_id, monthly_rate, CET, installment, and total_cost. This maps to Open Finance: structured product data with clear consent; you can cache and display offers or feed pricing models. Auth follows the app’s login and session flow; we document request/response and error handling.

Loan origination and proposal tracking

Banks or correspondentes need to track proposals created via Konsi (or mirror the flow in their systems). Our implementation can expose proposal list and status (e.g. pending, approved, contracted, disbursed) with timestamps and product details. Data feeds CRM and loan-origination systems; consent and retention follow LGPD. Fields: proposal_id, status, bank, product_type, created_at, updated_at.

Portabilidade and refinancing alerts

A service notifies users when they can reduce installments via portabilidade or get cash-out via refinancing. We deliver endpoints that list portabilidade and refinancing options for a given contract or benefit, with new rate and savings or troco. This aligns with Open Finance’s goal of empowering consumers with transparent options; data is used only with explicit consent and for the stated purpose.

Eligibility and margin pre-qualification

Partners need to know if a user is eligible for consignado and what margin is available before sending them to a bank. Our API can expose eligibility result and margem consignável (e.g. from the app’s calculadora or eligibility step), supporting pre-qualification flows that reduce drop-off. Data must be handled per LGPD (lawful basis, minimal data, retention limits).

Multi-bank offer aggregation for reporting

Analytics or compliance teams need a normalized view of offers across the 22+ institutions Konsi partners with. We provide an aggregation API that returns offer lists with bank, product, rate, CET, and terms in a consistent schema—suitable for internal reporting, rate benchmarking, and Open Data–style transparency, always with user consent where personal data is involved.

Auth and session (pseudo)

// App login / session (pseudo)
POST /api/v1/konsi/auth/login
Content-Type: application/json
{ "identifier": "<CPF/email>", "password": "<PWD>" }

Response 200: { "session_token": "...", "refresh_token": "...", "user_id": "..." }
Response 401: { "error": "invalid_credentials" }
// MFA or app-specific steps per protocol analysis

Loan simulation (pseudo)

// Simulate consignado offers (pseudo)
POST /api/v1/konsi/simulate
Content-Type: application/json
Authorization: Bearer <SESSION_TOKEN>

{
  "amount_brl": 5000, "term_months": 120,
  "profile": "INSS", "benefit_type": "aposentadoria"
}

Response: {
  "offers": [{ "bank_id": "...", "monthly_rate_pct": 1.59,
    "cet_monthly_pct": 1.69, "installment_brl": 98.73,
    "total_brl": 11847.60 }], "as_of": "2025-03-13T..."
}

Proposal status (pseudo)

// List proposals and status (pseudo)
GET /api/v1/konsi/proposals?status=pending,approved
Authorization: Bearer <SESSION_TOKEN>

Response: {
  "proposals": [{ "id": "...", "bank": "...", "product": "consignado",
    "status": "approved", "created_at": "...", "updated_at": "..." }]
}
Error 429: rate limit; retry with backoff

Deliverables

• API specification (OpenAPI / Swagger)
• Protocol and auth flow analysis (login, session, token)
• Runnable API source code (Python / Node.js) for simulation, proposals, portabilidade
• Test scripts and interface documentation
• Compliance notes (LGPD, Open Finance Brasil, consent, retention)

Key integration areas

Loan simulation and rate comparison, proposal and contract status, portabilidade and refinancing data, eligibility and margem consignável, and multi-bank offer aggregation. We support Android and iOS protocol analysis and deliver source code you can host and extend.

About us

We are a technical service studio specializing in app interface integration and authorized API integration. We provide protocol analysis, interface refactoring, Open Data integration, and third-party interface integration, plus automated data scripting and interface documentation. Our team has years of experience in mobile and fintech; we serve global clients with compliant, professional solutions. Services start at $300, with an option to deliver results first and pay upon satisfaction.

• Financial and banking apps: transaction records, statement queries, loan and consignado integration
• Compliant, lawful implementations to meet local and privacy requirements (e.g. LGPD, Open Finance Brasil)
• Android and iOS; ready-to-use API source code, docs, and test plans

Contact

For inquiries, quotes, or to submit your target app and requirements, please use the link below:

Contact us

Process

1. Confirm requirements: integration scenario and interface needs (e.g. simulation, proposals, portabilidade).
2. Protocol analysis and interface design (2–5 business days, depending on complexity).
3. Development and internal validation (3–8 business days).
4. Delivery of documentation, examples, and test cases (1–2 business days).
5. Typical first delivery: 5–15 business days; complex or multi-bank flows may take longer.

FAQ

What do I need to provide?

How long until delivery?

How do you ensure compliance?