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1 - 债务模拟：
CRÉDITO NOVO
Request
POST
/debt_simulation- 分期金额
- 放款金额
Request Body
{
"borrower": {
"person_type": "natural"
},
"financial": {
"first_due_date": "2024-12-07",
"installment_face_value": 100,
"disbursement_date": "2024-11-05",
"limit_days_to_disburse": 3,
"number_of_installments": 4,
"monthly_interest_rate": 0.018,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0
},
"collaterals": [
{
"collateral_type": "private_payroll"
}
]
}
Request Body
{
"borrower": {
"person_type": "natural"
},
"financial": {
"first_due_date": "2024-12-07",
"disbursed_amount": 1000,
"disbursement_date": "2024-11-05",
"limit_days_to_disburse": 3,
"number_of_installments": 4,
"monthly_interest_rate": 0.018,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0
},
"collaterals": [
{
"collateral_type": "private_payroll"
}
]
}
信息
上述请求中进行了 2 项模拟。第一项固定了客户的分期金额（放款金额可变），第二项固定了放款金额（分期金额可变）。
Response
STATUS
200 (OK)Response Body
{
"type": "debt",
"key": "<Debt Key>",
"status": "finished",
"event_datetime": "2024-11-05 16:50:00",
"data": {
"interest_type": "pre_price_days",
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"interest_payment_month_period": 1,
"principal_grace_period": 0,
"principal_amortization_month_period": 1,
"operation_type": "structured_operation",
"post_fixed_interest_base": "workdays",
"post_fixed_interest_rate": null,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.018,
"daily_rate": 0.00058669
},
"issue_date": "2024-11-05",
"number_of_installments": 4,
"requester_key": "e5eb6a0a-e003-4cbd-b702-5a25bf71af0a",
"final_disbursement_amount": 0.0,
"disbursement_options": [
{
"iof_amount": 3.93,
"total_pre_fixed_amount": 17.8715883143,
"cet": 0.0257,
"annual_cet": 0.355163,
"contract_fees": [
{
"fee_type": "tac",
"amount_type": "percentage",
"amount": 0.6,
"fee_amount": 2.29
},
{
"fee_type": "ted_fee",
"amount_type": "absolute",
"amount": 1.0,
"fee_amount": 1.0
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "insurance_premium",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "tac",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
}
],
"contract_fee_amount": 2.29,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"disbursement_date": "2024-11-05",
"first_due_date": "2024-12-21",
"installments": [
{
"calendar_days": 34,
"workdays": 23.0,
"business_due_date": "2024-12-21",
"due_date": "2024-12-21",
"due_principal": 382.13,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 7.6967422515,
"tax_amount": 0.257341482602818,
"total_amount": 100,
"principal_amortization_amount": 92.3032577485,
"installment_number": 1
},
{
"calendar_days": 29,
"workdays": 19.0,
"business_due_date": "2025-01-21",
"due_date": "2025-01-21",
"due_principal": 289.8267422515,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 4.9718040699,
"tax_amount": 0.4909156601748966,
"total_amount": 100,
"principal_amortization_amount": 95.0281959301,
"installment_number": 2
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-02-21",
"due_date": "2025-02-21",
"due_principal": 194.7985463214,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 3.5742034136,
"tax_amount": 0.7432500400879712,
"total_amount": 100,
"principal_amortization_amount": 96.4257965864,
"installment_number": 3
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2025-03-21",
"due_date": "2025-03-21",
"due_principal": 98.372749735,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 1.6288385793,
"tax_amount": 0.9841050988526828,
"total_amount": 100,
"principal_amortization_amount": 98.3711614207,
"installment_number": 4
}
],
"issue_amount": 382.13,
"disbursed_issue_amount": 374.91,
"assignment_amount": 382.13,
"final_disbursement_amount": 374.91,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.018,
"daily_rate": 0.00058669
}
},
{
"iof_amount": 4.77,
"total_pre_fixed_amount": 24.2597288075,
"cet": 0.0243,
"annual_cet": 0.334037,
"contract_fees": [
{
"fee_type": "tac",
"amount_type": "percentage",
"amount": 0.6,
"fee_amount": 2.25
},
{
"fee_type": "ted_fee",
"amount_type": "absolute",
"amount": 1.0,
"fee_amount": 1.0
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "insurance_premium",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "tac",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
}
],
"contract_fee_amount": 2.25,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"disbursement_date": "2024-11-06",
"first_due_date": "2025-01-21",
"installments": [
{
"calendar_days": 62,
"workdays": 41.0,
"business_due_date": "2025-01-21",
"due_date": "2025-01-21",
"due_principal": 375.74,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 13.9149280115,
"tax_amount": 0.437656505989534,
"total_amount": 100,
"principal_amortization_amount": 86.0850719885,
"installment_number": 1
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-02-21",
"due_date": "2025-02-21",
"due_principal": 289.6549280115,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 5.3146959395,
"tax_amount": 0.722070128765373,
"total_amount": 100,
"principal_amortization_amount": 94.6853040605,
"installment_number": 2
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2025-03-21",
"due_date": "2025-03-21",
"due_principal": 194.969623951,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 3.2283291407,
"tax_amount": 0.9601685182659746,
"total_amount": 100,
"principal_amortization_amount": 96.7716708593,
"installment_number": 3
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2025-04-07",
"due_date": "2025-04-07",
"due_principal": 98.1979530917,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 1.8017757158,
"tax_amount": 1.2239426674782687,
"total_amount": 100,
"principal_amortization_amount": 98.1982242842,
"installment_number": 4
}
],
"issue_amount": 375.74,
"disbursed_issue_amount": 367.72,
"assignment_amount": 375.74,
"final_disbursement_amount": 367.72,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.018,
"daily_rate": 0.00058669
}
},
{
"iof_amount": 4.74,
"total_pre_fixed_amount": 24.0392857898,
"cet": 0.0243,
"annual_cet": 0.334673,
"contract_fees": [
{
"fee_type": "tac",
"amount_type": "percentage",
"amount": 0.6,
"fee_amount": 2.26
},
{
"fee_type": "ted_fee",
"amount_type": "absolute",
"amount": 1.0,
"fee_amount": 1.0
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "insurance_premium",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "tac",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
}
],
"contract_fee_amount": 2.26,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"disbursement_date": "2024-11-07",
"first_due_date": "2025-01-21",
"installments": [
{
"calendar_days": 61,
"workdays": 40.0,
"business_due_date": "2025-01-21",
"due_date": "2025-01-21",
"due_principal": 375.96,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 13.6944849939,
"tax_amount": 0.4317001860605122,
"total_amount": 100,
"principal_amortization_amount": 86.3055150061,
"installment_number": 1
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-02-21",
"due_date": "2025-02-21",
"due_principal": 289.6544849939,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 5.3146959395,
"tax_amount": 0.714305933832412,
"total_amount": 100,
"principal_amortization_amount": 94.6853040605,
"installment_number": 2
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2025-03-21",
"due_date": "2025-03-21",
"due_principal": 194.9691809334,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 3.2283291407,
"tax_amount": 0.952233241255512,
"total_amount": 100,
"principal_amortization_amount": 96.7716708593,
"installment_number": 3
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2025-04-07",
"due_date": "2025-04-07",
"due_principal": 98.1975100741,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 1.8017757157,
"tax_amount": 1.2158904130882027,
"total_amount": 100,
"principal_amortization_amount": 98.1982242843,
"installment_number": 4
}
],
"issue_amount": 375.96,
"disbursed_issue_amount": 367.96,
"assignment_amount": 375.96,
"final_disbursement_amount": 367.96,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.018,
"daily_rate": 0.00058669
}
},
{
"iof_amount": 4.71,
"total_pre_fixed_amount": 23.8187134405,
"cet": 0.0244,
"annual_cet": 0.335196,
"contract_fees": [
{
"fee_type": "tac",
"amount_type": "percentage",
"amount": 0.6,
"fee_amount": 2.26
},
{
"fee_type": "ted_fee",
"amount_type": "absolute",
"amount": 1.0,
"fee_amount": 1.0
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "insurance_premium",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "tac",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
}
],
"contract_fee_amount": 2.26,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"disbursement_date": "2024-11-08",
"first_due_date": "2025-01-21",
"installments": [
{
"calendar_days": 60,
"workdays": 39.0,
"business_due_date": "2025-01-21",
"due_date": "2025-01-21",
"due_principal": 376.18,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 13.4739126445,
"tax_amount": 0.42570834978906,
"total_amount": 100,
"principal_amortization_amount": 86.5260873555,
"installment_number": 1
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-02-21",
"due_date": "2025-02-21",
"due_principal": 289.6539126445,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 5.3146959395,
"tax_amount": 0.706541738899451,
"total_amount": 100,
"principal_amortization_amount": 94.6853040605,
"installment_number": 2
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2025-03-21",
"due_date": "2025-03-21",
"due_principal": 194.968608584,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 3.2283291407,
"tax_amount": 0.9442979642450494,
"total_amount": 100,
"principal_amortization_amount": 96.7716708593,
"installment_number": 3
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2025-04-21",
"due_date": "2025-04-21",
"due_principal": 98.1969377247,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 1.8017757158,
"tax_amount": 1.20783815869566,
"total_amount": 100,
"principal_amortization_amount": 98.1982242842,
"installment_number": 4
}
],
"issue_amount": 376.18,
"disbursed_issue_amount": 368.21,
"assignment_amount": 376.18,
"final_disbursement_amount": 368.21,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.018,
"daily_rate": 0.00058669
}
}
]
}
}
2 - 操作发行：
"collateral_data" 对象中的 "registration_number" 字段是指雇佣关系的工号。该字段在雇佣关系查询中返回。
CRÉDITO NOVO
Request
POST
/debt- 无法定代理人
- 有法定代理人
Request Body
{
"borrower": {
"name": "Nome devedor",
"email":"email.devedor@gmail.com",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"political_exposition": "not_exposed",
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2023-09-21",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.0166,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 101.84,
"limit_days_to_disburse": 7,
"number_of_installments": 10,
"principal_grace_period": 0,
"rebates": [ // Opcional
{
"amount": 20,
"rebate_bank_account": {
"name": "Teste Ltda",
"document_number": "18533555000164",
"account_digit": "0",
"account_number": "4290001",
"branch_number": "0001",
"bank_code": "329"
},
"amount_type": "percentage",
"fee_type": "spread"
}
]
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_type": "private_payroll",
"collateral_data": {
"employer_document_number": "07940839000159",
"registration_number": "99999999999-A"
}
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644799"
}
},
"purchaser_document_number": "32402502000135",
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
]
}
Request Body
{
"borrower": {
"name": "Nome devedor",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"political_exposition": "not_exposed",
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"related_parties": [
{
"role_type": "issuer_legal_representative",
"person_type": "natural",
"name": "REPRESENTANTE EXEMPLO",
"email": "representante.exemplo@exemplo.com",
"individual_document_number": "79795844067",
"birth_date": "1970-04-20",
"mother_name": "MÃE DO REPRESENTANTE",
"phone": {
"country_code": "55",
"area_code": "11",
"number": "999999999"
},
"address": {
"street": "RUA EXEMPLO",
"number": "123",
"complement": "APTO 123",
"neighborhood": "BAIRRO EXEMPLO",
"postal_code": "12345678",
"city": "SÃO PAULO",
"state": "SP"
}
}
],
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-09-21",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 1000,
"limit_days_to_disburse": 7,
"number_of_installments": 84,
"principal_grace_period": 0,
"rebates": [ // Opcional
{
"amount": 20,
"rebate_bank_account": {
"name": "Teste Ltda",
"document_number": "18533555000164",
"account_digit": "0",
"account_number": "4290001",
"branch_number": "0001",
"bank_code": "329"
},
"amount_type": "percentage",
"fee_type": "spread"
}
]
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_type": "private_payroll",
"collateral_data": {
"employer_document_number": "07940839000159",
"registration_number": "99999999999-A"
}
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644715"
}
},
"purchaser_document_number": "32402502000135",
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
]
}
Response
STATUS
201 (Created)Response Body
Response Body
{
"webhook_type": "debt",
"key": "<Debt Key>",
"status": "waiting_signature",
"event_datetime": "2024-11-07 23:19:22",
"data": {
"borrower": {
"name": "Nome devedor",
"document_number": "14471835092",
"related_party_key": "28b7fc16-6d1f-467d-9667-62a8c13daea6"
},
"contract": {
"number": "TST0000644710",
"urls": [
"https://storage.googleapis.com/sandbox-doc-api/documents/a2e9c83a-3666-4def-8b27-e96fabb8705c/NOME_DEVEDOR-CCB-TST0000644710-20241107231916.pdf"
],
"signature_information": [
{
"signer_name": "Nome devedor",
"signer_document_number": "14471835092",
"signer_role": "issuer",
"signer_email": null,
"signer_external_key": null,
"signature_url": null
}
]
},
"requester_identifier_key": "eb859ebe-3a41-49bf-a6c3-d6902039ec00",
"iof_charge_method": "financed",
"collaterals": [
{
"absolute_amount": null,
"collateral_constituted": false,
"collateral_data": {
"registration_number": "99999999999-A",
"employer_document_number": "07940839000159"
},
"collateral_key": "26c7f4f4-51f3-41fa-b880-9691211136aa",
"collateral_type": "private_payroll",
"created_at": "2024-11-07T23:19:16.413448",
"external_key": null,
"percentage": 1,
"updated_at": "2024-11-07T23:19:16.413441"
}
],
"disbursement_options": [
{
"disbursement_date": "2024-11-07",
"contract_fees": [
{
"fee_type": "spread",
"fee_amount": 4.55
},
{
"fee_type": "ted_fee",
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}
],
"external_contract_fees": [
{
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}
],
"contract_fee_amount": 6.05,
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"assignment_amount": 914.3,
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"cet": "2,0100%",
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{
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},
{
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{
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"business_due_date": "2025-10-21",
"calendar_days": 28,
"due_date": "2025-10-21",
"due_interest": 0.0,
"due_principal": 100.303625722,
"fine_amount": null,
"has_interest": true,
"installment_number": 10,
"post_fixed_amount": null,
"pre_fixed_amount": 1.5318141716,
"principal_amortization_amount": 100.3081858284,
"tax_amount": 2.8130427633716497,
"total_amount": 101.84,
"workdays": 20.0,
"installment_status": null,
"installment_type": null
}
],
"first_due_date": "2025-01-21",
"prefixed_interest_rate": {
"monthly_rate": 0.0166,
"daily_rate": 0.00054142,
"annual_rate": 0.21843191,
"interest_base": "calendar_days_365"
}
},
{
"disbursement_date": "2024-11-13",
"contract_fees": [
{
"fee_type": "spread",
"fee_amount": 4.56
},
{
"fee_type": "ted_fee",
"fee_amount": 1.5
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0
}
],
"contract_fee_amount": 6.06,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"assignment_amount": 917.27,
"issue_amount": 912.71,
"cet": "2,0200%",
"annual_cet": "27,0802%",
"base_iof": 15.827906861727051,
"additional_iof": 3.468298,
"total_iof": 19.3,
"total_pre_fixed_amount": 105.691548961,
"installments": [
{
"additional_costs": [],
"business_due_date": "2025-01-21",
"calendar_days": 68,
"due_date": "2025-01-21",
"due_interest": 0.0,
"due_principal": 912.71,
"fine_amount": null,
"has_interest": true,
"installment_number": 1,
"post_fixed_amount": null,
"pre_fixed_amount": 34.2195628621,
"principal_amortization_amount": 67.6204371379,
"tax_amount": 0.3770515574809304,
"total_amount": 101.84,
"workdays": 45.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-02-21",
"calendar_days": 31,
"due_date": "2025-02-21",
"due_interest": 0.0,
"due_principal": 845.0895628621,
"fine_amount": null,
"has_interest": true,
"installment_number": 2,
"post_fixed_amount": null,
"pre_fixed_amount": 14.2997636051,
"principal_amortization_amount": 87.5402363949,
"tax_amount": 0.7106516390537982,
"total_amount": 101.84,
"workdays": 23.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-03-21",
"calendar_days": 28,
"due_date": "2025-03-21",
"due_interest": 0.0,
"due_principal": 757.5493264672,
"fine_amount": null,
"has_interest": true,
"installment_number": 3,
"post_fixed_amount": null,
"pre_fixed_amount": 11.5685715131,
"principal_amortization_amount": 90.2714284869,
"tax_amount": 0.9400866562625766,
"total_amount": 101.84,
"workdays": 18.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-04-21",
"calendar_days": 33,
"due_date": "2025-04-21",
"due_interest": 0.0,
"due_principal": 667.2778979803,
"fine_amount": null,
"has_interest": true,
"installment_number": 4,
"post_fixed_amount": null,
"pre_fixed_amount": 12.025984633,
"principal_amortization_amount": 89.814015367,
"tax_amount": 1.17835988161504,
"total_amount": 101.84,
"workdays": 21.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-05-21",
"calendar_days": 28,
"due_date": "2025-05-21",
"due_interest": 0.0,
"due_principal": 577.4638826133,
"fine_amount": null,
"has_interest": true,
"installment_number": 5,
"post_fixed_amount": null,
"pre_fixed_amount": 8.8184725787,
"principal_amortization_amount": 93.0215274213,
"tax_amount": 1.4340198667267607,
"total_amount": 101.84,
"workdays": 19.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-06-21",
"calendar_days": 31,
"due_date": "2025-06-21",
"due_interest": 0.0,
"due_principal": 484.442355192,
"fine_amount": null,
"has_interest": true,
"installment_number": 6,
"post_fixed_amount": null,
"pre_fixed_amount": 8.1972396908,
"principal_amortization_amount": 93.6427603092,
"tax_amount": 1.6816366896326136,
"total_amount": 101.84,
"workdays": 22.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-07-21",
"calendar_days": 31,
"due_date": "2025-07-21",
"due_interest": 0.0,
"due_principal": 390.7995948828,
"fine_amount": null,
"has_interest": true,
"installment_number": 7,
"post_fixed_amount": null,
"pre_fixed_amount": 6.6127072945,
"principal_amortization_amount": 95.2272927055,
"tax_amount": 1.95215950046275,
"total_amount": 101.84,
"workdays": 21.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-08-21",
"calendar_days": 30,
"due_date": "2025-08-21",
"due_interest": 0.0,
"due_principal": 295.5723021773,
"fine_amount": null,
"has_interest": true,
"installment_number": 8,
"post_fixed_amount": null,
"pre_fixed_amount": 4.8387153664,
"principal_amortization_amount": 97.0012846336,
"tax_amount": 2.227149495187456,
"total_amount": 101.84,
"workdays": 22.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-09-21",
"calendar_days": 33,
"due_date": "2025-09-21",
"due_interest": 0.0,
"due_principal": 198.5710175437,
"fine_amount": null,
"has_interest": true,
"installment_number": 9,
"post_fixed_amount": null,
"pre_fixed_amount": 3.5787172455,
"principal_amortization_amount": 98.2612827545,
"tax_amount": 2.521974083176997,
"total_amount": 101.84,
"workdays": 23.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-10-21",
"calendar_days": 28,
"due_date": "2025-10-21",
"due_interest": 0.0,
"due_principal": 100.3097347892,
"fine_amount": null,
"has_interest": true,
"installment_number": 10,
"post_fixed_amount": null,
"pre_fixed_amount": 1.5318141718,
"principal_amortization_amount": 100.3081858282,
"tax_amount": 2.8048174921281284,
"total_amount": 101.84,
"workdays": 20.0,
"installment_status": null,
"installment_type": null
}
],
"first_due_date": "2025-01-21",
"prefixed_interest_rate": {
"monthly_rate": 0.0166,
"daily_rate": 0.00054142,
"annual_rate": 0.21843191,
"interest_base": "calendar_days_365"
}
},
{
"disbursement_date": "2024-11-14",
"contract_fees": [
{
"fee_type": "spread",
"fee_amount": 4.57
},
{
"fee_type": "ted_fee",
"fee_amount": 1.5
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0
}
],
"contract_fee_amount": 6.07,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"assignment_amount": 917.77,
"issue_amount": 913.2,
"cet": "2,0200%",
"annual_cet": "27,0870%",
"base_iof": 15.755779674642707,
"additional_iof": 3.47016,
"total_iof": 19.23,
"total_pre_fixed_amount": 105.1973906257,
"installments": [
{
"additional_costs": [],
"business_due_date": "2025-01-21",
"calendar_days": 67,
"due_date": "2025-01-21",
"due_interest": 0.0,
"due_principal": 913.2,
"fine_amount": null,
"has_interest": true,
"installment_number": 1,
"post_fixed_amount": null,
"pre_fixed_amount": 33.7254045271,
"principal_amortization_amount": 68.1145954729,
"tax_amount": 0.3742215875281126,
"total_amount": 101.84,
"workdays": 44.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-02-21",
"calendar_days": 31,
"due_date": "2025-02-21",
"due_interest": 0.0,
"due_principal": 845.0854045271,
"fine_amount": null,
"has_interest": true,
"installment_number": 2,
"post_fixed_amount": null,
"pre_fixed_amount": 14.2997636051,
"principal_amortization_amount": 87.5402363949,
"tax_amount": 0.7034733396694164,
"total_amount": 101.84,
"workdays": 23.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-03-21",
"calendar_days": 28,
"due_date": "2025-03-21",
"due_interest": 0.0,
"due_principal": 757.5451681322,
"fine_amount": null,
"has_interest": true,
"installment_number": 3,
"post_fixed_amount": null,
"pre_fixed_amount": 11.5685715131,
"principal_amortization_amount": 90.2714284869,
"tax_amount": 0.9326843991266508,
"total_amount": 101.84,
"workdays": 18.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-04-21",
"calendar_days": 33,
"due_date": "2025-04-21",
"due_interest": 0.0,
"due_principal": 667.2737396453,
"fine_amount": null,
"has_interest": true,
"installment_number": 4,
"post_fixed_amount": null,
"pre_fixed_amount": 12.025984633,
"principal_amortization_amount": 89.814015367,
"tax_amount": 1.170995132354946,
"total_amount": 101.84,
"workdays": 21.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-05-21",
"calendar_days": 28,
"due_date": "2025-05-21",
"due_interest": 0.0,
"due_principal": 577.4597242783,
"fine_amount": null,
"has_interest": true,
"installment_number": 5,
"post_fixed_amount": null,
"pre_fixed_amount": 8.8184725787,
"principal_amortization_amount": 93.0215274213,
"tax_amount": 1.4263921014782142,
"total_amount": 101.84,
"workdays": 19.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-06-21",
"calendar_days": 31,
"due_date": "2025-06-21",
"due_interest": 0.0,
"due_principal": 484.438196857,
"fine_amount": null,
"has_interest": true,
"installment_number": 6,
"post_fixed_amount": null,
"pre_fixed_amount": 8.1972396908,
"principal_amortization_amount": 93.6427603092,
"tax_amount": 1.6739579832872593,
"total_amount": 101.84,
"workdays": 22.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-07-21",
"calendar_days": 31,
"due_date": "2025-07-21",
"due_interest": 0.0,
"due_principal": 390.7954365478,
"fine_amount": null,
"has_interest": true,
"installment_number": 7,
"post_fixed_amount": null,
"pre_fixed_amount": 6.6127072945,
"principal_amortization_amount": 95.2272927055,
"tax_amount": 1.944350862460899,
"total_amount": 101.84,
"workdays": 21.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-08-21",
"calendar_days": 30,
"due_date": "2025-08-21",
"due_interest": 0.0,
"due_principal": 295.5681438423,
"fine_amount": null,
"has_interest": true,
"installment_number": 8,
"post_fixed_amount": null,
"pre_fixed_amount": 4.8387153664,
"principal_amortization_amount": 97.0012846336,
"tax_amount": 2.219195389847501,
"total_amount": 101.84,
"workdays": 22.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-09-21",
"calendar_days": 33,
"due_date": "2025-09-21",
"due_interest": 0.0,
"due_principal": 198.5668592087,
"fine_amount": null,
"has_interest": true,
"installment_number": 9,
"post_fixed_amount": null,
"pre_fixed_amount": 3.5787172455,
"principal_amortization_amount": 98.2612827545,
"tax_amount": 2.513916657991128,
"total_amount": 101.84,
"workdays": 23.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-10-21",
"calendar_days": 28,
"due_date": "2025-10-21",
"due_interest": 0.0,
"due_principal": 100.3055764542,
"fine_amount": null,
"has_interest": true,
"installment_number": 10,
"post_fixed_amount": null,
"pre_fixed_amount": 1.5318141715,
"principal_amortization_amount": 100.3081858285,
"tax_amount": 2.79659222089858,
"total_amount": 101.84,
"workdays": 20.0,
"installment_status": null,
"installment_type": null
}
],
"first_due_date": "2025-01-21",
"prefixed_interest_rate": {
"monthly_rate": 0.0166,
"daily_rate": 0.00054142,
"annual_rate": 0.21843191,
"interest_base": "calendar_days_365"
}
}
]
}
}
Installments 对象
| 字段 | 描述 |
|---|---|
| additional_costs | 额外费用 |
| business_due_date | 工作日到期日 |
| calendar_days | 自然日数 |
| due_date | 到期日 |
| due_interest | 到期利息 |
| due_principal | 到期本金 |
| fine_amount | 到期罚款 |
| has_interest | 表示到期是否有利息 |
| installment_number | 分期编号 |
| installment_status | 分期状态 |
| installment_type | 分期类型 |
| post_fixed_amount | 利息后分期金额 |
| pre_fixed_amount | 利息前分期金额 |
| principal_amortization_amount | 分期本金摊销金额 |
| tax_amount | 分期利息金额 |
| total_amount | 分期总金额 |
| workdays | 工作日数 |
Prefixed Interest Rate 对象
| 字段 | 描述 |
|---|---|
| monthly_rate | 月利率 |
| daily_rate | 日利率 |
| annual_rate | 年利率 |
| interest_base | 利率计算基础 |
Webhooks
若操作未在最后一个放款日期选项前完成签署或核批，合作伙伴将收到操作取消通知 webhook：
WEBHOOK TYPE
debtSTATUS
CanceledWebhook Body
Webhook Body
{
"key": "<Debt Key>",
"status": "canceled",
"webhook_type": "debt",
"event_datetime": "2025-03-18 13:46:31",
"data": {
"cancel_reason": "<CANCEL_REASON>",
"cancel_reason_enumerator": "<CANCEL_REASON_ENUMERATOR>"
}
}
Data 对象
| 字段 | 描述 |
|---|---|
| cancel_reason | 取消原因 |
| cancel_reason_enumerator | 取消原因枚举值 |
3 - 文件收集与操作正式化
发送合同补充数据是操作正式化的必要条件。
我们强烈建议通过 QI Sign 进行操作文件的收集和签署，这是我们内嵌防欺诈技术的专有电子签名平台。
由于 QI Sign 是内部开发并与我们的系统完全集成的，使用 QI Sign 可确保：
- 正式化流程完全自动化：签署后操作自动进入下一阶段。
- 文件自动上传：所有签署文件直接发送到信贷系统，无需人工干预。
- 安全性和可追溯性：流程安全、可审计，符合监管要求。
这种方法减少了操作错误，加快了信贷发放，并显著改善了客户体验。
为什么使用 QI Sign？
- 手机远程签名，具备符合法规的人脸识别功能。
- RESTful API 集成，便于签署流程自动化。
- 法律安全性，具有不同级别的身份验证。
- 可扩展解决方案，按需为需要数字化流程的企业服务。
QI Sign
QI Sign 是 QI Tech 的电子签名平台，内部开发以满足信贷市场的监管要求。 支持人脸生物特征识别和文件自动发送，确保正式化过程中的安全性、敏捷性和可追溯性。
如需更多信息或申请报价，请联系我们的商务团队： 📧 comercial@qitech.com.br 📞 (11) 2339-4763
Webhooks
合同签署后，合作伙伴将收到有关合同签署情况的 webhook，body 如下：
{
"key": "<Debt Key>",
"status": "signed",
"signers": [
{
"id": "3271efd3-89ba-43aa-b032-af9a459e6096",
"images": {
"face_image_url": "https://qisign-face-images-bucket-sandbox.s3.amazonaws.com/fad7f924-d210-4ec4-9565-a57662a0a65a.jpeg",
"document_back_url": "https://qisign-personal-documents-bucket-sandbox.s3.amazonaws.com/8c7b68ba-07ad-4188-82ae-679833b2843b.jpeg",
"document_front_url": "https://qisign-personal-documents-bucket-sandbox.s3.amazonaws.com/f63cd291-5668-4926-be5d-9290aeda3f6e.jpeg",
"document_back_template": "cnh_back",
"document_front_template": "cnh_front"
},
"biometry": {
"face_validation": {
"score": 80,
"provider": "qitech",
"available": true
},
"fraud_base_flag": false
},
"document": {
"template": "cnh_front",
"face_match_score": 100
},
"liveness": {
"result": "live"
},
"signed_at": "2025-04-09T19:59:39Z",
"ip_address": "182.224.219.198",
"signer_data": {
"name": "Nome Trabalhador",
"email": "exemplo@qitech.com.br",
"phone": {
"number": "829549234",
"area_code": "11",
"international_dial_code": "55"
},
"address": {
"uf": "SP",
"city": "Sao Paulo",
"number": "123",
"street": "Rua tal do sal",
"complement": "Ap 23",
"postal_code": "00000-000",
"neighborhood": "Pinheiros"
},
"pix_key": "pix03@pix03.com",
"birthdate": "1996-03-13",
"document_number": "504.856.400-66",
"document_submission_method": "email",
"authentication_submission_method": "sms"
}
}
],
"webhook_type": "laas.credit_operation.status_change",
"event_datetime": "2025-04-09 20:00:19",
"signed_contract_url": "https://storage.googleapis.com/sandbox-doc-api/documents/9b55450e-fca5-44f2-9118-5851ed4bd92e/RESTAURANTEBEBBER-TRABALHADOR_SICQ-CCB-0000195364-2230409195718_signed.pdf"
}
Signers 对象
| 字段 | 描述 |
|---|---|
| id | 签署人 ID |
| images | 签署人图像 |
Images 对象
| 字段 | 描述 |
|---|---|
| face_image_url | 签署人面部图像 URL |
| document_back_url | 签署人证件背面图像 URL |
| document_front_url | 签署人证件正面图像 URL |
| document_back_template | 签署人证件背面模板 |
| document_front_template | 签署人证件正面模板 |
Biometry 对象
| 字段 | 描述 |
|---|---|
| face_validation | 签署人面部验证（true 或 false） |
| face_validation.score | 签署人面部评分（0 到 100） |
| face_validation.available | 签署人面部验证可用性（true 或 false） |
| face_validation.provider | 签署人面部验证提供商（qitech 或 external） |
| fraud_base_flag | 基础欺诈标志（true 或 false） |
Document 对象
| 字段 | 描述 |
|---|---|
| template | 证件模板（cnh_front, cnh_back, rg_front, rg_back） |
| face_match_score | 签署人面部评分（0 到 100） |
Liveness 对象
| 字段 | 描述 |
|---|---|
| result | 活体检测结果（live 或 spoof） |
Signer Data 对象
| 字段 | 描述 |
|---|---|
| name | 签署人姓名 |
| 签署人邮箱 | |
| phone | 签署人电话 |
Address 对象
| 字段 | 描述 |
|---|---|
| uf | 州/省份 |
| city | 城市 |
| number | 门牌号 |
| street | 街道 |
| complement | 补充信息 |
| postal_code | 邮政编码 |
| neighborhood | 社区/街区 |
枚举值
预留状态
ENUMERADOR
reservation_status| 状态 | 描述 |
|---|---|
| pending_auction | 预留已创建，等待拍卖开始 （接收提案请求）。 |
| pending_reservation | 预留已创建，待核批。 |
| pending_documents_submission | 预留已核批，待文件提交。 |
| reserved | 预留核批成功。核批流程完成。 |
| canceled | 若提交了无效文件，预留将被取消。 |
| pending_suspension | 预留已核批，已请求暂停。 |
| suspended | 预留已成功暂停。 |
| settled | 预留已成功清算。 |
| pending_deletion | 预留已核批，已请求删除。 |
| deleted | 预留已成功删除。 |