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Issuance with Immediate Signature (/signed_debt)

This endpoint issues the debt and processes the contract signature via opt-in in a single call. Disbursement occurs on the date informed in the disbursement_date field, which may differ from the issuance date. No pre-registration is required; just provide the borrower's data within the issuance request.

Request​

ENDPOINT
/signed_debt
METHOD
POST
Try it in the Playground
Request Body
{
    "borrower": {
        "name": "Dante Ferrarini",
        "email": "",
        "phone": {
            "number": "185633631",
            "area_code": "15",
            "country_code": "086"
        },
        "is_pep": false,
        "address": {
            "city": "São Paulo",
            "state": "SP",
            "number": "",
            "street": "Rua Gilberto Sabino",
            "postal_code": "05425020",
            "neighborhood": "Pinheiros",
            "complement": ""
        },
        "role_type": "issuer",
        "birth_date": "1993-09-10",
        "person_type": "natural",
        "attached_documents_list": [
            {
                "selfie": "250e7e95-57c8-40bd-a0cd-0be8eb172916"
            }
        ],
        "individual_document_number": "31057466093"
    },
    "financial": {
        "interest_type": "pre_price_days",
        "disbursement_date": "2026-04-07",
        "fine_configuration": {
            "monthly_rate": 0.01,
            "interest_base": "calendar_days",
            "contract_fine_rate": 0.02
        },
        "disbursed_amount": 1000,
        "monthly_interest_rate": 0.052,
        "credit_operation_type": "ccb",
        "interest_grace_period": 0,
        "number_of_installments": 2,
        "principal_grace_period": 0
    },
    "simplified": true,
    "additional_data": {
        "contract": {
            "contract_number": "DWF1761222116",
            "signatures": [
                {
                    "signer": {
                        "name": "Dante Ferrarini",
                        "email": "",
                        "phone": {
                            "number": "185633631",
                            "area_code": "15",
                            "country_code": "086"
                        },
                        "document_number": "31057466093"
                    },
                    "signature": {
                        "timestamp": "28-01-2026 06:36:35",
                        "ip_address": "192.168.1.1",
                        "signature_file": {
                            "file_url": "https://qitech.com.br/signature.pdf",
                            "file_type": "pdf"
                        }
                    }
                }
            ]
        }
    },
    "requester_identifier_key": "d1905ef5-19df-4183-bf0e-802b8229933c",
    "purchaser_document_number": "32402502000135",
    "disbursement_bank_accounts": [
        {
            "name": "Dante Ferrarini",
            "ispb_number": "32402502",
            "account_digit": "5",
            "branch_number": "0001",
            "account_number": "7617846",
            "document_number": "31057466093",
            "percentage_receivable": 100
        }
    ]
}

Request Body Details​

FieldTypeDescriptionLength
borrower*objectBorrower object - The debtor of the credit operationBorrower Object
financial*objectContains all financial details and calculation parameters of the operationFinancial Object
simplifiedbooleanIf true, uses the simplified issuance flow-
additional_data*objectAdditional contract data, including signaturesAdditional Data Object
requester_identifier_keystringRequester identifier keyUUID
purchaser_document_number*stringCNPJ of the assignee – The purchaser of the credit operation (FIDC)14
disbursement_bank_accounts*arrayBorrower's bank account data for receiving the disbursementDisbursement Bank Account Object

Borrower Object​

FieldTypeDescriptionLength
name*stringBorrower's full name100
emailstringBorrower's email address254
phoneobjectBorrower's phone dataPhone Object
is_pep*booleanPolitically Exposed Person indicator5
address*objectBorrower's residential addressAddress Object
role_typestringBorrower's role in the operation (e.g., "issuer")10
birth_date*dateBorrower's date of birth (Format: "YYYY-MM-DD")10
person_type*stringPerson classification (natural or legal)7
attached_documents_listarrayList of attached documents (e.g., selfie)Attached Documents Object
individual_document_number*stringBorrower's CPF - numbers only11

Attached Documents Object​

FieldTypeDescriptionLength
selfiestringDOCUMENT_KEY of the selfie document submitted via uploadUUID

Address Object​

FieldTypeDescriptionLength
city*stringCity name100
state*stringState abbreviation (two uppercase letters)2
numberstringStreet number10
street*stringStreet name100
complementstringAddress complement (free text)100
postal_code*stringPostal code (CEP) - numbers only8
neighborhood*stringNeighborhood name100

Phone Object​

FieldTypeDescriptionLength
number*stringPhone number9
area_code*stringArea code (DDD)2
country_code*stringInternational code (e.g., "055")3

Financial Object​

Ways to define the operation amount

The operation amount can be defined through the following mutually exclusive combinations (provide one and only one of the value keys, alongside the other required fields):

  • disbursed_amount + monthly_interest_rate + number_of_installments: provide the net amount to be disbursed, the interest rate and the number of installments — the system computes each installment value.
  • amount + monthly_interest_rate + number_of_installments: provide the gross amount (with IOF) of the operation — the system computes the net disbursement and each installment value.
  • final_disbursement_amount + monthly_interest_rate + number_of_installments: provide the final amount that must reach the recipient and the system inflates issue_amount to cover IOF.
  • installment_face_value + number_of_installments + (disbursed_amount or amount): provide the desired value per installment; when this combination is used without monthly_interest_rate, the system assumes a zero rate.
  • desired_installments: provide an array with the due date and total value of each installment individually — the system computes the disbursement value.
  • disbursed_amount + due_dates: provide the disbursement amount and an array with the due dates — the system computes the installment values for the informed irregular schedule.
FieldTypeDescriptionLength
interest_type*stringAmortization method20
disbursement_date*stringDisbursement date10
first_due_datestringDue date of the first installment (YYYY-MM-DD)10
limit_days_to_disburseintegerNumber of days after disbursement_date during which disbursement may still occur3
fine_configuration*objectFine and arrears configurationFine Configuration Object
monthly_interest_ratefloatMonthly interest rate. Optional when installment_face_value is used10,6
annual_interest_ratefloatAnnual interest rate (alternative to monthly_interest_rate)10,6
daily_interest_ratefloatDaily interest rate (alternative to monthly_interest_rate)10,6
disbursed_amountfloatNet amount to be disbursed15,2
amountfloatGross amount of the operation (issue_amount) — includes IOF15,2
final_disbursement_amountfloatFinal amount to reach the recipient — system inflates issue_amount to cover IOF15,2
installment_face_valuefloatDesired value of each installment15,2
number_of_installmentsintegerNumber of installments3
desired_installmentsarrayArray of installments with individually defined date and valueDesired Installments Object
due_datesarrayList of due dates (YYYY-MM-DD). Used with disbursed_amount for an irregular installment schedule-
total_ioffloatTotal IOF amount — when omitted, the system calculates it automatically15,2
credit_operation_type*stringCredit operation type (e.g., "ccb")10
interest_grace_periodintegerInterest grace period (in months)3
principal_grace_periodintegerPrincipal grace period (in months)3

Desired Installments Object​

FieldTypeDescriptionLength
due_date*stringInstallment due date (YYYY-MM-DD)10
total_amount*floatTotal installment amount15,2

Fine Configuration Object​

FieldTypeDescriptionLength
monthly_rate*floatMonthly arrears rate10,6
interest_base*stringArrears calculation base (e.g., "calendar_days")20
contract_fine_rate*floatContract fine rate10,6

Disbursement Bank Account Object​

FieldTypeDescriptionLength
namestringFull name of the destination account holder100
document_numberstringCPF or CNPJ of the destination account holder11 or 14
transfer_methodstringTransfer method. Values: pix, ted (default: pix)3
pix_transfer_typestringPix transfer subtype. Values: manual, key, qrcode6
ispb_numberstringISPB code of the financial institution8
bank_codestringCOMPE code of the financial institution (alternative to ispb_number)3
branch_numberstringBranch number (without check digit)4
account_numberstringAccount number (without check digit)19
account_digitstringAccount check digit (use zero in place of letters)1
account_typestringDestination account type. Values: checking_account, saving_account, salary_account, payment_account, deposit_account, guaranteed_account, investment_account20
pix_keystringRecipient's Pix key — required when pix_transfer_type = key-
qr_code_keystringUUID key of a Pix QR Code already registered — required when pix_transfer_type = qrcode36
qr_code_urlstringEMV string (copy-and-paste) of the Pix QR Code — alternative to qr_code_key250
digitable_linestringBank slip digitable line — used for disbursement via boleto47-48
end_to_end_idstringPix end-to-end identifier (populated in the response)32
percentage_receivablefloatPercentage of the disbursement allocated to this account. Required when amount_receivable is not provided3
amount_receivablefloatFixed amount allocated to this account. Required when percentage_receivable is not provided15,2
Supported disbursement modes

The field combination depends on transfer_method and pix_transfer_type:

  • QI Tech internal account or TED: bank_code/ispb_number + branch_number + account_number + account_digit + document_number + name + percentage_receivable.
  • Pix manual: pix_transfer_type = manual + account data (same as TED).
  • Pix by key: pix_transfer_type = key + pix_key.
  • Pix by QR Code (registered): pix_transfer_type = qrcode + qr_code_key.
  • Pix by QR Code (copy-and-paste): qr_code_url + transfer_method = pix.
  • Boleto payment: digitable_line + amount_receivable.

Additional Data Object​

FieldTypeDescriptionLength
contract*objectContract dataContract Object

Contract Object​

FieldTypeDescriptionLength
contract_number*stringUnique contract identifier number20
signatures*arrayList of digital signature evidence objects (Opt-in)Signature Object

Signature Object​

FieldTypeDescriptionLength
signer*objectSigner identification dataSigner Object
signature*objectDigital signature evidence dataSignature Details Object

Signer Object​

FieldTypeDescriptionLength
name*stringSigner's full name255
document_number*stringSigner's CPF11
emailstringSigner's email100
phoneobjectSigner's phone dataPhone Object

Signature Details Object​

FieldTypeDescriptionLength
ip_address*stringIP address used in the signature45
timestamp*stringSignature date and time (ISO 8601: YYYY-MM-DDTHH:mm:ssZ)24
signature_file*objectDigital signature fileSignature File Object

Signature File Object​

FieldTypeDescriptionLength
file_url*stringDirect link to the signed contract document (PDF)2048
file_type*stringSignature file format (e.g., "pdf")4

Response​

The response to the issuance request returns the payment schedule and a DEBT-KEY, which identifies the debt at QI SCD.

STATUS
201
Response Body
{
    "webhook_type": "debt",
    "key": "72760166-4ddf-41fb-8a8c-605f8f4fc35c",
    "status": "issued",
    "event_datetime": "2026-04-07 23:59:28",
    "data": {
        "borrower": {
            "name": "Dante Ferrarini",
            "document_number": "31057466093",
            "related_party_key": "24fac77e-7782-4f72-b31a-daee288e34ed"
        },
        "contract": {
            "document_key": null,
            "number": "DWF1761222116",
            "urls": [],
            "signature_information": [
                {
                    "signer_name": "Dante Ferrarini",
                    "signer_document_number": "31057466093",
                    "signer_role": "issuer",
                    "signer_email": null,
                    "signer_external_key": null,
                    "signature_url": null
                }
            ]
        },
        "requester_identifier_key": "d1905ef5-19df-4183-bf0e-802b8229933c",
        "iof_charge_method": "financed",
        "collaterals": [],
        "contract_fees": [
            {
                "fee_type": "spread",
                "fee_amount": 3.02
            }
        ],
        "external_contract_fees": [
            {
                "fee_type": "tac",
                "fee_amount": 0,
                "tax_amount": 0,
                "net_fee_amount": 0
            }
        ],
        "external_contract_fee_amount": 0,
        "net_external_contract_fee_amount": 0,
        "contract_fee_amount": 3.02,
        "issue_amount": 1007.62,
        "assignment_amount": 1010.64,
        "cet": "5,8200%",
        "annual_cet": "97,0501%",
        "number_of_installments": 2,
        "base_iof": 3.79,
        "additional_iof": 3.83,
        "total_iof": 7.62,
        "ipoc_code": "324025020203131057466093DWF1761222116",
        "prefixed_interest_rate": {
            "annual_rate": 0.8373372409,
            "created_at": "2026-04-07T23:59:22",
            "daily_rate": 0.0016911989,
            "interest_base": "calendar_days",
            "monthly_rate": 0.052
        },
        "installments": [
            {
                "accrual_reference_date": null,
                "additional_costs": [],
                "advanced_paid_amount": 0,
                "bank_slip_key": null,
                "business_due_date": "2026-05-07",
                "calendar_days": 30,
                "digitable_line": null,
                "due_date": "2026-05-07",
                "due_interest": 0,
                "due_principal": 1007.62,
                "fine_amount": null,
                "has_interest": true,
                "installment_history": [],
                "installment_key": "1dea396f-beb1-4df3-9822-35800b4c095a",
                "installment_number": 1,
                "installment_payment": [],
                "installment_status": "created",
                "installment_type": "principal",
                "original_due_principal": 1007.62,
                "original_pre_fixed_amount": 52.3996159,
                "original_principal_amortization_amount": 491.4903841,
                "original_total_amount": 543.89,
                "paid_amount": 0,
                "paid_at": null,
                "post_fixed_amount": 0,
                "pre_fixed_amount": 52.3996159,
                "principal_amortization_amount": 491.4903841,
                "qr_code_key": null,
                "qr_code_url": null,
                "renegotiation_proposal_key": null,
                "tax_amount": 1.20906634,
                "total_accrual_amount": null,
                "total_amount": 543.89,
                "total_paid_amount": 0,
                "workdays": 20
            },
            {
                "accrual_reference_date": null,
                "additional_costs": [],
                "advanced_paid_amount": 0,
                "bank_slip_key": null,
                "business_due_date": "2026-06-08",
                "calendar_days": 31,
                "digitable_line": null,
                "due_date": "2026-06-07",
                "due_interest": 0,
                "due_principal": 516.1296159,
                "fine_amount": null,
                "has_interest": true,
                "installment_history": [],
                "installment_key": "370e73d1-55d8-431e-9b22-d08fb8297999",
                "installment_number": 2,
                "installment_payment": [],
                "installment_status": "created",
                "installment_type": "principal",
                "original_due_principal": 516.1296159,
                "original_pre_fixed_amount": 27.7603841,
                "original_principal_amortization_amount": 516.1296159,
                "original_total_amount": 543.89,
                "paid_amount": 0,
                "paid_at": null,
                "post_fixed_amount": 0,
                "pre_fixed_amount": 27.7603841,
                "principal_amortization_amount": 516.1296159,
                "qr_code_key": null,
                "qr_code_url": null,
                "renegotiation_proposal_key": null,
                "tax_amount": 2.58168034,
                "total_accrual_amount": null,
                "total_amount": 543.89,
                "total_paid_amount": 0,
                "workdays": 20
            }
        ],
        "total_pre_fixed_amount": 80.16
    }
}
Attention

Remember to save the returned DEBT-KEY, as it will be required for queries, renegotiations, and chargebacks of the operation.

Response Body Details​

FieldTypeDescription
webhook_typestringEvent type identifier
keystringDEBT-KEY — unique identifier of the debt at QI SCD (UUID)
statusstringCurrent debt status
event_datetimestringEvent date and time (ISO 8601)
dataobjectData Object — Operation data

Data Object​

FieldTypeDescription
borrowerobjectBorrower Response Object — Borrower data
contractobjectContract Response Object — Contract data
requester_identifier_keystringRequester identifier key (UUID)
iof_charge_methodstringIOF charge method — always "financed"
collateralsarrayList of operation collaterals
contract_feesarrayContract Fees Object — QI Tech fees charged in the operation
external_contract_feesarrayExternal Contract Fees Object — External fees charged in the operation
external_contract_fee_amountfloatTotal amount of external fees
net_external_contract_fee_amountfloatNet amount of external fees after taxes
contract_fee_amountfloatTotal amount of QI Tech fees
issue_amountfloatNominal amount of the credit operation
assignment_amountfloatAssignment amount of the credit operation
cetstringMonthly Total Effective Cost
annual_cetstringAnnual Total Effective Cost
number_of_installmentsintegerNumber of installments
base_ioffloatBase IOF amount
additional_ioffloatAdditional IOF amount
total_ioffloatTotal IOF amount
ipoc_codestringBrazilian credit registration code generated by QI Tech
prefixed_interest_rateobjectInterest Rate Response Object — Nominal interest rate
installmentsarrayInstallments Response Object — Operation installments
disbursement_accountarrayDisbursement Account Response Object — Disbursement account data (only for PIX-by-key or QR Code disbursements)
total_pre_fixed_amountfloatTotal pre-fixed interest amount across all installments

Disbursement Account Response Object​

Returned only when the disbursement is via PIX key (pix_key) or QR Code (qr_code_key / qr_code_url). For TED, manual PIX, or bank-slip disbursements, the disbursement_account field is not present in the response.

FieldTypeDescription
namestringDestination account holder's name (always in clear text).
document_numberstringCPF or CNPJ of the destination account holder. CPF (11 digits) is returned masked as ***XXXXXX** when the account was resolved via QR Code; CNPJ (14 digits) is returned in full. In the pix_key flow with DICT lookup, it is returned without masking.
pix_keystringRecipient's PIX key (client input or extracted from the decoded QR Code).
qr_code_keystringUUID of the PIX QR Code when disbursement was via registered QR.
qr_code_urlstringEMV copy-and-paste of the QR Code when disbursement was via copy-and-paste QR.
account_branchstringDestination account branch (populated in pix_key flow with DICT lookup).
account_numberstringDestination account number.
account_digitstringDestination account check digit.
account_typestringDestination account type.
ispbstringISPB code of the destination financial institution.
percentage_receivablefloatPercentage of the disbursement allocated to this account.
amount_receivablefloatFixed amount allocated to this account.
end_to_end_idstringPIX end-to-end identifier, assigned after decoding/lookup.
Conditional behavior

The disbursement_account field is strictly populated with name and document_number when the flow is PIX (key or QR Code). The remaining fields depend on the disbursement type: for example, in qr_code_url the account_branch/account_number/account_digit fields are null because the dynamic EMV does not carry them.

Borrower Response Object​

FieldTypeDescription
namestringBorrower's full name
document_numberstringBorrower's CPF
related_party_keystringUnique borrower identifier at QI Tech (UUID)

Contract Response Object​

FieldTypeDescription
document_keystringContract document key
numberstringContract number
urlsarrayList of contract document URLs
signature_informationarraySignature Information Object — Signature information

Signature Information Object​

FieldTypeDescription
signer_namestringSigner's full name
signer_document_numberstringSigner's CPF
signer_rolestringSigner's role in the operation
signer_emailstringSigner's email
signer_external_keystringSigner's external key
signature_urlstringURL of the signed document

Contract Fees Object​

FieldTypeDescription
fee_typestringFee type
fee_amountfloatFee amount

External Contract Fees Object​

FieldTypeDescription
fee_typestringExternal fee type
fee_amountfloatExternal fee amount
tax_amountfloatTax amount on the fee
net_fee_amountfloatNet fee amount after taxes

Interest Rate Response Object​

FieldTypeDescription
annual_ratefloatAnnual interest rate
created_atstringRate creation timestamp (ISO 8601)
daily_ratefloatDaily interest rate
interest_basestringInterest calculation base
monthly_ratefloatMonthly interest rate

Installments Response Object​

FieldTypeDescription
accrual_reference_datestringInstallment calculation reference date
additional_costsarrayList of additional installment costs
advanced_paid_amountfloatAmount paid in advance
bank_slip_keystringBank slip key
business_due_datestringDue date adjusted to the next business day
calendar_daysintegerCalendar days between installments
digitable_linestringBank slip digitable line
due_datestringInstallment due date
due_interestfloatOutstanding interest amount on the due date before payment
due_principalfloatOutstanding balance at the installment moment
fine_amountfloatApplied fine amount
has_interestbooleanIndicates whether interest applies to the installment
installment_historyarrayInstallment event history
installment_keystringUnique installment identifier (UUID)
installment_numberintegerInstallment number
installment_paymentarrayList of payments made on the installment
installment_statusstringCurrent installment status
installment_typestringInstallment type — always "principal"
original_due_principalfloatOriginal outstanding balance at issuance
original_pre_fixed_amountfloatOriginal pre-fixed interest amount at issuance
original_principal_amortization_amountfloatOriginal principal amortization amount at issuance
original_total_amountfloatOriginal total installment amount at issuance
paid_amountfloatAmount already paid on the installment
paid_atstringPayment date
post_fixed_amountfloatPost-fixed interest amount — always 0
pre_fixed_amountfloatCurrent pre-fixed interest amount
principal_amortization_amountfloatPrincipal amortization amount
qr_code_keystringPix QR Code key
qr_code_urlstringPix QR Code URL
renegotiation_proposal_keystringRenegotiation proposal key, when applicable
tax_amountfloatIOF amount on the installment
total_accrual_amountfloatTotal accrued interest amount
total_amountfloatTotal installment amount
total_paid_amountfloatTotal amount paid on the installment so far
workdaysintegerBusiness days between installments