sharing infrastructure without obtaining their own license. The platform functions as a thin intermediary layer between client infrastructure and the regulated environment, allowing customers to develop using official Open Finance and Central Bank API specifications rather than proprietary abstractions. Services include payment initiation across multiple modalities, transactional and credit data access, and SCR integration, with clients retaining full control over their infrastructure, operational data, and risk policies. The company holds a Payment Institution license as a Payment Initiation Service Provider (PISP) issued by the Central Bank of Brazil.