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Introduction

The transfer of ownership of bank slips (tombamento) consists of the process of changing the collection portfolio and settlement account associated with already registered bank slips.

In an ownership transfer, there will always be an origin account and collection portfolio and a destination account and collection portfolio.

  • The origin account and portfolio are those where the bank slips were originally registered.

  • The destination account and portfolio are those to which the bank slips will be transferred (tombado).

What is changed?

  • Collection portfolio
  • Settlement account

What is NOT changed?

  • Billing beneficiary data
  • Payment slip number for payment
  • Pix QR Code for payment (in BolePix cases)

Use Cases​

Collateral composition​

Collection bank slips from a portfolio can be used in composing collateral for a credit operation. In this scenario, the destination account holder tomba the bank slips from their simple collection portfolio to the collection portfolio linked to the operation's collateral account.

Assignment of credit rights​

In cases where the collection bank slip is linked to an anticipated credit right, it is possible — after completing the anticipation — to tombar the bank slips to the portfolio of the new creditor of the anticipated right.

Attention!

The bank slip ownership transfer API does not formalize the fiduciary assignment or the anticipation of credit rights. It only reflects what should happen with the financial flow of the asset linked to the tombado collection bank slip.

Process Flow​

Bank slip tombamento is the process of transferring ownership of registered bank slips from one portfolio to another. This flow consists of four main stages, which must be executed in sequence through API calls.

Below, we describe how each of them works.

1. Batch opening

The first step consists of creating a tombamento batch, which will group all bank slips to be transferred. As soon as the batch is created, it is returned with the initial status opened. At this stage, the origin account keys, destination portfolio, and the new associated Pix key must be informed.

2. Including bank slips in the batch

With the batch open, it is possible to add the bank slips that will be included in the ownership transfer. During this stage, the batch status remains opened, indicating that it is still in preparation and can receive new bank slips.

3. Sending the bank slips

After including all desired bank slips, it is necessary to send the batch for processing. At the moment the sending is performed, the batch status is updated to sent, and a webhook is triggered to inform the status change. This sending marks the beginning of the tombamento operational flow.

4. Tombamento approval

Finally, batch approval must be performed by the destination account, confirming the ownership transfer of the bank slips. After approval, the batch status changes to processing, indicating that the tombamento is in progress. When the process is completed successfully, the system sends a final webhook with status approved, confirming that the ownership transfer has been finalized.

We share below the link that presents an organizational chart of the complete flow, including the associated endpoints and respective status changes at each stage of the process: