Introduction

One of the features we can offer in our integration is the possibility to manage accounts and transfers to QI Tech accounts or other financial institutions via API, but that's not all - we provide the possibility to OPEN an account via API. Whether for yourself or for third parties.

Like other APIs, service activation must be done with our team and calls are authenticated.

Account opening occurs in two mandatory stages. In the first stage, a POST request is sent with preliminary data to make the account reservation. After this request, a query is automatically executed to the Central Bank, specifically to the repository linked to the BC Protege+ project. This system allows individuals and legal entities to voluntarily register restrictions indicating at which financial institutions they do not want new accounts to be opened in their names, as a fraud prevention measure.

In this flow, the initial status of the reservation is pending_bacen_validation. If the query is approved, a webhook of type account_request.status_change is triggered, updating the status to pending_kyc_analysis.

After approval in the KYC analysis, a new webhook account_request.status_change is sent, changing the status to pending_additional_data — a stage that indicates the completion of the analysis and the need to send complementary information.

In the second stage, a PATCH request must be made containing the additional data necessary to finalize the process and formalize the account opening.