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The Brazilian profile layers regulated behavior on top of Lender’s generic lending baseline. Everything here is reached through the BR-prefixed endpoints (/api/v1/br/...) and applies to loans originated under the Brazil jurisdiction. Portuguese domain terms are kept as-is, with a gloss — see Core concepts for the full list.

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CET — Custo Efetivo Total

CET (Custo Efetivo Total, total effective cost of credit) is the all-in cost disclosed to the borrower — interest plus taxes and fees. Lender persists the CET disclosure at origination and exposes it per loan account: GET /api/v1/br/loan-accounts/{id}/cet-disclosure

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IOF and tax preview

IOF (Imposto sobre Operações Financeiras) is the federal tax on credit operations. The Brazilian profile pins the IOF rates, so a preview and the disbursement that follows it compute the same amounts. Preview the daily and the additional IOF component, and the net amount the borrower receives, before you originate: POST /api/v1/br/tax/preview
Brazilian compound-interest (juros compostos) capitalization requires the borrower’s explicit consent. Lender records that consent as an integrity-checked ceremony: the client submits the clause text and its hash, and the server canonicalizes the text, recomputes the hash, and rejects any mismatch — so the recorded consent is provably the clause the borrower saw. POST /api/v1/br/loan-applications/{id}/capitalization-consents

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PDD staging

PDD (Provisão para Devedores Duvidosos) is loan-loss provisioning. Each loan account sits in a PDD stage, and stage changes are tracked transitions rather than silent overwrites. How many days a loan is overdue is what drives staging. The later stages also suspend interest accrual, so the accrual run skips those accounts.

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Credit operation descriptor

The credit descriptor is the SCR-style credit-operation profile for a loan account — the regulated description of the operation. GET /api/v1/br/loan-accounts/{id}/credit-descriptor

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Prepayment quote

A Brazilian loan account settles early against a prepayment quote: create the quote first, then prepay with its identifier. The quote is valid for 24 hours and accepts one settlement, and the amount you settle must equal the quote’s net settlement amount. The BR prepayment route mirrors the generic one and takes the same X-Idempotency key.

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CDC caps

Brazilian consumer-credit (CDC) products can carry regulatory caps — for example a late-fee ceiling. Lender enforces caps by rejecting a charge that would violate them, rather than silently clamping the amount, so the contract and its audit trail stay explicit about what was refused.

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Business calendar

Brazilian date math (accruals, schedule dates, settlement) uses a Brazilian business calendar with ANBIMA holidays and an Actual/252 day-count convention, so installment and accrual dates land on business days.

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BR products

Brazilian products are created and versioned through jurisdiction-aware aliases that accept the BR extensions:
  • POST /api/v1/br/loan-products, GET /api/v1/br/loan-products, GET /api/v1/br/loan-products/{id}
  • POST /api/v1/br/loan-products/{id}/versions, POST /api/v1/br/loan-products/{id}/activate

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Next steps

Consignado privado

The flagship Brazilian journey — payroll-deducted lending end to end.