Homologation Roadmap - Credit Pay

Summary

1. Debt inquiry

You can query the debt later to retrieve information or track its current status:

ENDPOINT

/v2/credit_operation/REQUESTER-IDENTIFIER-KEY

METHOD

GET

Test in Playground

Path params

Field	Type	Description	Max. Char.
requester_identifier_key *	string	Client tracking key for the request	UUID

Response

STATUS

200

Response Body

{
   "credit_operation_key":"0773a1b1-675a-4a10-80a2-a10308c7281e",
   "issue_amount":15367.14,
   "origin_key":"0773a1b1-675a-4a10-80a2-a10308c7281e",
   "total_iof":367.14,
   "assigned_at":null,
   "disbursement_start_date":"2026-03-23",
   "disbursement_end_date":"2026-03-23",
   "issue_date":"2026-03-23",
   "requester_identifier_key":"494598fd200",
   "installments":[
      {
         "business_due_date":"2026-06-08",
         "due_date":"2026-06-06",
         "calendar_days":75,
         "due_interest":0,
         "due_principal":15367.14,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":2432.7,
         "principal_amortization_amount":0,
         "tax_amount":0,
         "total_amount":2432.7,
         "workdays":50,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"c0c716ca-1645-4cf6-bb6b-438a69693d79",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":15367.14,
         "original_pre_fixed_amount":2432.7,
         "original_principal_amortization_amount":0,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":1,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2026-07-06",
         "due_date":"2026-07-06",
         "calendar_days":30,
         "due_interest":399,
         "due_principal":15367.14,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":1503.02,
         "principal_amortization_amount":929.68,
         "tax_amount":8,
         "total_amount":2432.7,
         "workdays":21,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"46d7a106-004f-4f64-910c-bc9e2c010845",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":15367.14,
         "original_pre_fixed_amount":1503.02,
         "original_principal_amortization_amount":929.68,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":2,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2026-08-06",
         "due_date":"2026-08-06",
         "calendar_days":31,
         "due_interest":0,
         "due_principal":14437.46134964,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":1045.5,
         "principal_amortization_amount":1387.2,
         "tax_amount":15.47,
         "total_amount":2432.7,
         "workdays":23,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"af84c132-7311-412f-a5e4-a827047fda52",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":14437.46,
         "original_pre_fixed_amount":1045.5,
         "original_principal_amortization_amount":1387.2,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":3,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2026-09-08",
         "due_date":"2026-09-06",
         "calendar_days":31,
         "due_interest":0,
         "due_principal":13050.26167997,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":945.05,
         "principal_amortization_amount":1487.65,
         "tax_amount":20.37,
         "total_amount":2432.7,
         "workdays":21,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"8517161a-408a-400d-9a27-e4e54c87d9ec",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":13050.26,
         "original_pre_fixed_amount":945.05,
         "original_principal_amortization_amount":1487.65,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":4,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2026-10-06",
         "due_date":"2026-10-06",
         "calendar_days":30,
         "due_interest":0,
         "due_principal":11562.6067212,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":809.38,
         "principal_amortization_amount":1623.32,
         "tax_amount":26.22,
         "total_amount":2432.7,
         "workdays":21,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"8c14e19c-a70e-4b0b-b0b5-d655f6136537",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":11562.61,
         "original_pre_fixed_amount":809.38,
         "original_principal_amortization_amount":1623.32,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":5,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2026-11-06",
         "due_date":"2026-11-06",
         "calendar_days":31,
         "due_interest":0,
         "due_principal":9939.28802441,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":719.76,
         "principal_amortization_amount":1712.94,
         "tax_amount":32.03,
         "total_amount":2432.7,
         "workdays":21,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"4a880580-5873-4c12-8d32-3cf95b416417",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":9939.29,
         "original_pre_fixed_amount":719.76,
         "original_principal_amortization_amount":1712.94,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":6,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2026-12-07",
         "due_date":"2026-12-06",
         "calendar_days":30,
         "due_interest":0,
         "due_principal":8226.34916112,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":575.84,
         "principal_amortization_amount":1856.86,
         "tax_amount":39.28,
         "total_amount":2432.7,
         "workdays":19,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"94db881b-0054-4c73-b969-89c37c082f39",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":8226.35,
         "original_pre_fixed_amount":575.84,
         "original_principal_amortization_amount":1856.86,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":7,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2027-01-06",
         "due_date":"2027-01-06",
         "calendar_days":31,
         "due_interest":0,
         "due_principal":6369.49243064,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":461.25,
         "principal_amortization_amount":1971.45,
         "tax_amount":46.72,
         "total_amount":2432.7,
         "workdays":21,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"d32e9f02-426d-4861-ad5c-fe541d2a4b94",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":6369.49,
         "original_pre_fixed_amount":461.25,
         "original_principal_amortization_amount":1971.45,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":8,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2027-02-10",
         "due_date":"2027-02-06",
         "calendar_days":31,
         "due_interest":0,
         "due_principal":4398.04366699,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":318.49,
         "principal_amortization_amount":2114.21,
         "tax_amount":55.48,
         "total_amount":2432.7,
         "workdays":22,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"0c6ef3ba-6d82-45e4-9f3f-9f9a89207f68",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":4398.04,
         "original_pre_fixed_amount":318.49,
         "original_principal_amortization_amount":2114.21,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":9,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2027-03-08",
         "due_date":"2027-03-06",
         "calendar_days":28,
         "due_interest":0,
         "due_principal":2283.83070016,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":148.87,
         "principal_amortization_amount":2283.83,
         "tax_amount":65.17,
         "total_amount":2432.7,
         "workdays":18,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"470dd63a-89eb-4c6c-8cd6-f570d469aa35",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":2283.83,
         "original_pre_fixed_amount":148.87,
         "original_principal_amortization_amount":2283.83,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":10,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      }
   ],
   "first_due_date":"2026-06-06",
   "requester_key":"3e69b448-9afb-4aef-9c0d-0a3059350d80",
   "original_total_iof":null,
   "contract_number":"ANT000000787",
   "credit_operation_status_enumerator":"waiting_signature",
   "operation_type_enumerator":"settlement_refinancing",
   "disbursement_date":"2026-03-23",
   "issuer_name":"Alan Mathison Turing",
   "issuer_document_number":"47003534819",
   "external_contract_fees":[
      {
         "amount_type":"absolute",
         "fee_amount":0,
         "tax_amount":0,
         "irrf_amount":0,
         "amount":0,
         "pis_amount":0,
         "amount_released":0,
         "fee_type":"tac",
         "cofins_amount":0,
         "csll_amount":0,
         "description":null,
         "net_fee_amount":0,
         "rebate_account":null
      }
   ],
   "cet":7.51,
   "annual_cet":138.34,
   "final_disbursement_amount":4885.12,
   "number_of_installments":10,
   "disbursement_issue_amount":15000,
   "prefixed_interest_rate":{
      "annual_rate":1.252191589,
      "daily_rate":0.0022578334,
      "interest_base":{
         "enumerator":"calendar_days",
         "year_days":360
      },
      "monthly_rate":0.07
   },
   "fine_configuration":{
      "contract_fine_rate":0.02,
      "fine_delay_rate":{
         "annual_rate":4.35025011,
         "daily_rate":0.0046696,
         "interest_base":{
            "enumerator":"calendar_days",
            "year_days":360
         },
         "monthly_rate":0.15
      }
   },
   "attached_documents":[
      {
         "document_key":"494598fd-c226-4332-a500-591ae3884673",
         "document_url":"https://storage.googleapis.com/sandbox-doc-api/documents/494598fd-c226-4332-a500-591ae3884673/3d684e68e7df4e557d0480d98e26be92.jpg",
         "signature_url":null,
         "document_type":"document_identification",
         "signature_required":false,
         "signed":false
      },
      {
         "document_key":"494598fd-c226-4332-a500-591ae3884673",
         "document_url":"https://storage.googleapis.com/sandbox-doc-api/documents/494598fd-c226-4332-a500-591ae3884673/3d684e68e7df4e557d0480d98e26be92.jpg",
         "signature_url":null,
         "document_type":"document_identification_back",
         "signature_required":false,
         "signed":false
      },
      {
         "document_key":"cb97f9f5-9b58-4a55-826f-8698f2b97230",
         "document_url":"https://storage.googleapis.com/sandbox-doc-api-private/documents/cb97f9f5-9b58-4a55-826f-8698f2b97230/CASTELLOBNPL-ALAN_MATHISON_TURING-CCB-ANT000000787-20260408055239.pdf",
         "signature_url":null,
         "document_type":"ccb_pre_price_days",
         "signature_required":true,
         "signed":false
      }
   ],
   "related_parties":[
      {
         "related_party_key":"70f0bc84-98e0-4d4c-9ea7-ed783746ba5c",
         "role_type":"issuer",
         "person_type":"natural",
         "name":"Alan Mathison Turing",
         "email":"",
         "individual_document_number":"47003534819"
      }
   ],
   "base_iof":308.75,
   "additional_iof":58.39,
   "assignment_amount":15444.19,
   "created_at":"2026-04-08T05:52:38Z",
   "total_prefixed_amount":8959.86
}

business_due_date (installments)

In each object under installments[], pay attention to business_due_date: it is the installment due date on the business-day calendar (working / banking days). It may match due_date or differ when the natural calendar date falls on a non-business day—use both fields together when reconciling schedules and cut-offs.

operation_type_enumerator

When operation_type_enumerator is settlement_refinancing, the credit operation is a refinancing debt—that is, it is issued under the refinancing flow (settling prior credit operations). Use this field to distinguish refinancing debts from other operation types.

2. Renegotiation — Batch simulation

Overview

Before creating a proposal, you can simulate batch renegotiation values for operations. The simulation shows affected installments, discounts, and the total amount due across multiple operations.

When amortization_type is present_amount, send paid_amount, discount_amount, and installment_key on each installment in operations[].installments[], as in the batch proposal.

Attention

Batch renegotiation can only include operations from the same issuer and the same integration key. There is a limit of 50 operations per batch renegotiation.

Request

ENDPOINT

/renegotiation/batch_proposal_simulation

METHOD

POST

Warning

The discount_amount and discount_percentage fields must not be sent together in the same payload (root level).

Note

At the root, discount_amount and discount_percentage are mutually exclusive global discount options. paid_amount and discount_amount in operations[].installments[] are used with present_amount per installment and do not replace the root-level rule.

Request Body

{
    "amortization_type": "present_amount",
    "reference_date": "2026-04-08",
    "discount_percentage": 0.0,
    "operations": [
        {
            "debt_key": "1baea8a0-0fca-4f7c-8857-a227d4da72f8",
            "installments": [
                {
                    "installment_key": "ca5741c7-99a2-42e7-92a1-9328a36e4e88",
                    "paid_amount": 500,
                    "discount_amount": 50
                }
            ]
        },
        {
            "debt_key": "2cbfb9b1-1fdb-5f8d-9967-b338e5eb83f9",
            "installments": [
                {
                    "installment_key": "2ef25ed8-7124-44f5-9e3d-1d1a7196166e",
                    "paid_amount": 150,
                    "discount_amount": 10
                }
            ]
        }
    ]
}

Body parameters

Field	Type	Description	Max length
amortization_type*	string	Amortization type	Amortization type values
reference_date*	string	Reference date for present value (must be D+1)	10
discount_percentage	float	Discount percentage on present value ((1 − percentage) × present value)	10
discount_amount	float	Discount amount on present value	10
operations*	array	Operations to renegotiate	Operations object

Operations object

Field	Type	Description	Max length
debt_key*	string	Unique credit operation key (DEBT-KEY)	UUID
installments*	array	Installments to renegotiate	Installments object

Installments object

Field	Type	Description	Max length
installment_key*	string	Installment key	UUID
paid_amount	float	Amount paid or allocated on the installment (BRL). Required when amortization_type is present_amount.	15,2
discount_amount	float	Discount in BRL on the installment. Required when amortization_type is present_amount (use 0 if none). Optional for other types.	15,2

Amortization type values

Value	Description
present_amount	Simulation with present value per installment. Each installments[] entry must include installment_key, paid_amount, and discount_amount.
installment_payment	Payment for specific installments in the payload. Requires each installment’s installment_key.

3. Renegotiation — Batch proposal

Overview

After simulating values, you can create a batch renegotiation proposal for multiple operations. The proposal generates a single payment method (bank slip and/or Pix) covering all operations in the batch.

For amortization type present_amount, each installment listed under operations[].installments[] must include paid_amount (amount paid or allocated for that installment), discount_amount (discount in BRL applied to the installment), and installment_key.

Attention

Batch renegotiation can only include operations from the same issuer and the same integration key. There is a limit of 50 operations per batch renegotiation.

Request

ENDPOINT

/renegotiation/batch_proposal

METHOD

POST

Warning

The discount_amount and discount_percentage fields must not be sent together in the same payload (root level).

Note

At the root of the body, discount_amount and discount_percentage are mutually exclusive options for a global discount on the present value. The paid_amount and discount_amount fields inside each object in operations[].installments[] define the per-installment composition when amortization_type is present_amount (they are required in this mode and do not conflict with the root-level rule).

Request Body

{
    "amortization_type": "present_amount",
    "reference_date": "2026-04-08",
    "proposal_due_date": "2026-04-15",
    "discount_percentage": 0.0,
    "payment_type": "pix",
    "request_control_key": "94b31045-c8e7-45be-a88d-2ae25c5df5db",
    "operations": [
        {
            "debt_key": "1baea8a0-0fca-4f7c-8857-a227d4da72f8",
            "installments": [
                {
                    "installment_key": "ca5741c7-99a2-42e7-92a1-9328a36e4e88",
                    "paid_amount": 500,
                    "discount_amount": 50
                }
            ]
        },
        {
            "debt_key": "2cbfb9b1-1fdb-5f8d-9967-b338e5eb83f9",
            "installments": [
                {
                    "installment_key": "2ef25ed8-7124-44f5-9e3d-1d1a7196166e",
                    "paid_amount": 150,
                    "discount_amount": 10
                }
            ]
        }
    ]
}

Body parameters

Field	Type	Description	Max length
amortization_type*	string	Amortization type	Amortization type values
reference_date*	string	Reference date for present value calculation (D+1)	10
proposal_due_date*	string	Renegotiation proposal due date	10
payment_type*	string	Payment type	Payment type values
request_control_key	string	Optional control key for tracking and unique identification	UUID
discount_percentage	float	Discount percentage on present value	10
discount_amount	float	Discount amount on present value	10
operations*	array	Operations to renegotiate	Operations object

Operations object

Field	Type	Description	Max length
debt_key*	string	Unique credit operation key (DEBT-KEY)	UUID
installments*	array	Installments to renegotiate	Installments object

Installments object

Field	Type	Description	Max length
installment_key*	string	Installment key	UUID
paid_amount	float	Amount paid or allocated on the installment (BRL). Required when amortization_type is present_amount.	15,2
discount_amount	float	Discount amount in BRL on the installment. Required when amortization_type is present_amount (use 0 if none). Optional per installment for other amortization types.	15,2

Payment type values

Value	Description
bank_slip	Bank slip (generates slip and Pix)
pix	Pix only
internal	Internal transfer (automatic processing)
manual	Manual payment (no payment method generated)

Amortization type values

Value	Description
present_amount	Present value per installment. Each installments[] item must include installment_key, paid_amount, and discount_amount.
installment_payment	Payment for specific installments. Requires each installment’s installment_key.

4. Refinancing simulation

Request

ENDPOINT

/debt_simulation

METHOD

POST

Request Body

{
  "borrower": {
    "person_type": "natural"
  },
  "refinanced_credit_operations": [
    {
      "operation_key": "0207544f-2e9c-4eac-993e-7590e4dc14ae"
    }
  ],
  "financial": {
    "disbursed_amount": 200000,
    "interest_type": "pre_price_days",
    "credit_operation_type": "ccb",
    "annual_interest_rate": 2.32,
    "disbursement_date": "2023-04-01",
    "interest_grace_period": 0,
    "principal_grace_period": 0,
    "number_of_installments": 2,
    "fine_configuration": {
      "contract_fine_rate": 0.02,
      "interest_base": "calendar_days",
      "monthly_rate": 0.01
    }
  }
}

Attention

Send borrower, financial, and refinanced_credit_operations with operation_key for each operation to refinance. See Definitions (refinancing simulation).

Response

STATUS

200

Response Body

{
   "type":"debt",
   "key":"a61f8266-5a59-40ea-a87d-a3f907516fac",
   "status":"finished",
   "event_datetime":"2026-04-08 06:07:41",
   "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":"settlement_refinancing",
      "post_fixed_interest_base":"workdays",
      "post_fixed_interest_rate":null,
      "prefixed_interest_rate":{
         "interest_base":"calendar_days_365",
         "annual_rate":2.32,
         "monthly_rate":0.1051676747,
         "daily_rate":0.0032929847
      },
      "issue_date":"2023-04-01",
      "number_of_installments":2,
      "requester_key":"3e69b448-9afb-4aef-9c0d-0a3059350d80",
      "final_disbursement_amount":179510.48,
      "refinanced_credit_operations":[
         {
            "refinanced_credit_operation_key":"0207544f-2e9c-4eac-993e-7590e4dc14ae",
            "refinanced_credit_operation_status":"pending_payment",
            "due_balance":20489.52,
            "due_balance_reference_date":"2023-04-01",
            "original_deadline":348
         }
      ],
      "total_pre_fixed_amount":32213.66,
      "iof_amount":1529.88,
      "cet":0.1109,
      "annual_cet":2.5332,
      "disbursement_date":"2023-04-01",
      "installments":[
         {
            "calendar_days":30,
            "workdays":18,
            "business_due_date":"2023-05-02",
            "due_date":"2023-05-01",
            "due_principal":201529.88,
            "has_interest":true,
            "post_fixed_amount":0,
            "pre_fixed_amount":20889.54357681,
            "tax_amount":236.116277,
            "total_amount":116871.77,
            "principal_amortization_amount":95982.22642319,
            "installment_number":1
         },
         {
            "calendar_days":31,
            "workdays":23,
            "business_due_date":"2023-06-01",
            "due_date":"2023-06-01",
            "due_principal":105547.65357681,
            "has_interest":true,
            "post_fixed_amount":0,
            "pre_fixed_amount":11324.11642319,
            "tax_amount":527.94936319,
            "total_amount":116871.77,
            "principal_amortization_amount":105547.65357681,
            "installment_number":2
         }
      ],
      "external_contract_fees":[
         {
            "fee_type":"tac",
            "amount_type":"absolute",
            "amount":0,
            "fee_amount":0,
            "tax_amount":0,
            "net_fee_amount":0,
            "csll_amount":0,
            "irrf_amount":0,
            "pis_amount":0,
            "cofins_amount":0,
            "amount_released":0,
            "description":null
         }
      ],
      "contract_fee_amount":604.59,
      "external_contract_fee_amount":0,
      "net_external_contract_fee_amount":0,
      "contract_fees":[
         {
            "fee_type":"spread",
            "amount_type":"percentage",
            "amount":0.3,
            "fee_amount":604.59
         }
      ],
      "issue_amount":201529.88,
      "disbursed_issue_amount":200000,
      "assignment_amount":202134.47,
      "disbursement_options":[
         {
            "iof_amount":1529.88,
            "total_pre_fixed_amount":32213.66,
            "cet":0.1109,
            "annual_cet":2.5332,
            "contract_fees":[
               {
                  "fee_type":"spread",
                  "amount_type":"percentage",
                  "amount":0.3,
                  "fee_amount":604.59
               }
            ],
            "external_contract_fees":[
               {
                  "fee_type":"tac",
                  "amount_type":"absolute",
                  "amount":0,
                  "fee_amount":0,
                  "tax_amount":0,
                  "net_fee_amount":0,
                  "csll_amount":0,
                  "irrf_amount":0,
                  "pis_amount":0,
                  "cofins_amount":0,
                  "amount_released":0,
                  "description":null
               }
            ],
            "contract_fee_amount":604.59,
            "external_contract_fee_amount":0,
            "net_external_contract_fee_amount":0,
            "disbursement_date":"2023-04-01",
            "first_due_date":"2023-05-01",
            "installments":[
               {
                  "calendar_days":30,
                  "workdays":18,
                  "business_due_date":"2023-05-02",
                  "due_date":"2023-05-01",
                  "due_principal":201529.88,
                  "has_interest":true,
                  "post_fixed_amount":0,
                  "pre_fixed_amount":20889.54357681,
                  "tax_amount":236.116277,
                  "total_amount":116871.77,
                  "principal_amortization_amount":95982.22642319,
                  "installment_number":1
               },
               {
                  "calendar_days":31,
                  "workdays":23,
                  "business_due_date":"2023-06-01",
                  "due_date":"2023-06-01",
                  "due_principal":105547.65357681,
                  "has_interest":true,
                  "post_fixed_amount":0,
                  "pre_fixed_amount":11324.11642319,
                  "tax_amount":527.94936319,
                  "total_amount":116871.77,
                  "principal_amortization_amount":105547.65357681,
                  "installment_number":2
               }
            ],
            "issue_amount":201529.88,
            "disbursed_issue_amount":200000,
            "assignment_amount":202134.47,
            "final_disbursement_amount":179510.48,
            "prefixed_interest_rate":{
               "interest_base":"calendar_days_365",
               "annual_rate":2.32,
               "monthly_rate":0.1051676747,
               "daily_rate":0.0032929847
            },
            "refinanced_credit_operations":[
               {
                  "refinanced_credit_operation_key":"0207544f-2e9c-4eac-993e-7590e4dc14ae",
                  "refinanced_credit_operation_status":"pending_payment",
                  "due_balance":20489.52,
                  "due_balance_reference_date":"2023-04-01",
                  "original_deadline":348
               }
            ]
         }
      ]
   }
}

Definitions (refinancing simulation)

Request body

Field	Type	Description
borrower *	object	Borrower object — Borrower of the simulated operation
refinanced_credit_operations *	array	Refinanced credit operations — Operations to refinance
financial *	object	Financial object — Terms of the new operation

Borrower object

Field	Type	Description
person_type	string	Person type — natural or legal

Financial object

Field	Type	Description
disbursed_amount	float	Disbursed / nominal amount of the new operation
interest_type	enum	Interest type — Amortization and interest calculation
credit_operation_type	enum	Credit operation type — Agreement type (e.g. CCB)
annual_interest_rate	float	Annual prefixed interest rate (decimal)
disbursement_date	date	Disbursement date (YYYY-MM-DD)
interest_grace_period	int	Interest grace period (months)
principal_grace_period	int	Principal grace period (months)
number_of_installments	int	Number of installments
fine_configuration	object	Fine configuration object — Late interest and penalty

Refinanced credit operations object

Field	Type	Description
operation_key	string (UUID)	Credit operation key to settle with this refinancing

Fine configuration object

Field	Type	Description
contract_fine_rate	float	Late penalty rate as a decimal
interest_base	enum	Interest base — Interest calculation basis
monthly_rate	float	Monthly late interest rate as a decimal

5. Creating a refinancing

Request

ENDPOINT

/signed_debt

METHOD

POST

Request Body

{
    "additional_data": {
        "contract": {
            "contract_number": "ANT000000787",
            "signed": true,
            "signatures": [
                {
                    "signer": {
                        "name": "Alan Mathison Turing",
                        "phone": {
                            "number": "912345678",
                            "area_code": "11",
                            "country_code": "055"
                        },
                        "email": "alan.turing@email.com",
                        "document_number": "96969879003"
                    },
                    "signature": {
                        "ip_address": "168.211.22.84",
                        "timestamp": "27-10-2025 11:07:15",
                        "signature_file": {
                            "file_url": "http://qitech.com.br/signature.pdf",
                            "file_type": "pdf"
                        },
                        "geolocation": {
                            "long": "-46.63611",
                            "lat": "-23.5475"
                        },
                        "fingerprint_device": null
                    }
                }
            ]
        }
    },
    "financial": {
        "number_of_installments": 10,
        "credit_operation_type": "ccb",
        "interest_type": "pre_price_days",
        "monthly_interest_rate": 0.07,
        "disbursed_amount": 15000,
        "fine_configuration": {
            "contract_fine_rate": 0.02,
            "monthly_rate": 0.15,
            "interest_base": "calendar_days"
        },
        "interest_grace_period": 0,
        "disbursement_date": "2026-03-23",
        "first_due_date": "2026-06-06",
        "principal_grace_period": 0
    },
    "disbursement_bank_accounts": [
        {
            "account_digit": "5",
            "document_number": "32402502000135",
            "bank_code": "341",
            "account_number": "00002",
            "percentage_receivable": 100,
            "branch_number": "0001",
            "name": "Accout Name"
        }
    ],
    "purchaser_document_number": "32402502000135",
    "requester_identifier_key": "494598fd200",
    "refinanced_credit_operations": [
        {
            "operation_key": "9a8ec38d-8821-4043-8fcb-bfeb4c21c17e"
        }
    ],
    "borrower": {
        "email": "",
        "document_identification": "494598fd-c226-4332-a500-591ae3884673",
        "document_identification_back": "494598fd-c226-4332-a500-591ae3884673",
        "birth_date": "1998-06-03",
        "person_type": "natural",
        "is_pep": false,
        "mother_name": "Mother's full name",
        "profession": "Public server",
        "individual_document_number": "47003534819",
        "address": {
            "city": "São Paulo",
            "neighborhood": "CENTRO",
            "street": "Avenida Feliz",
            "complement": "",
            "postal_code": "49026100",
            "state": "SP",
            "number": ""
        },
        "phone": {
            "country_code": "055",
            "number": "912345678",
            "area_code": "11"
        },
        "document_identification_number": "47003534819",
        "name": "Alan Mathison Turing"
    }
}

Attention

Refinancing creation uses the same POST /signed_debt flow as standard issuance, with refinanced_credit_operations listing operations to settle. The example below also includes additional_data.contract (opt-in signatures) and disbursement_bank_accounts.

Body parameters

Field	Type	Description	Max. chars
additional_data *	object	Contract metadata and signature evidence under additional_data.contract (contract number, signed flag, signatures[] with signer and evidence).	-
borrower *	object	Borrower object — Borrower of the credit operation.	-
disbursement_bank_accounts *	array	Disbursement bank account — Account for disbursement	-
financial *	object	Financial object — Financial terms; use "natural" for person_type when applicable.	-
purchaser_document_number *	string	Assignee (purchaser) CNPJ (digits only, no formatting).	-
requester_identifier_key	string	Client tracking key for the request.	-
refinanced_credit_operations *	array of objects	Refinanced credit operations — Operations to settle with this refinancing.	-

Borrower object

Field	Type	Description	Max. chars
name *	string	Borrower full name	100
email	string	Borrower email	254
phone	object	Phone object — Contact phone	-
is_pep *	boolean	PEP indicator (http://www.portaldatransparencia.gov.br/download-de-dados/pep)	-
address *	object	Address object — Borrower address	-
role_type *	enum	Default: issuer	-
birth_date *	date	Borrower birth date (YYYY-MM-DD)	-
mother_name *	string	Mother’s full name	100
nationality	string	Nationality	50
person_type *	string	Person type — natural or legal (default: natural for individuals)	-
individual_document_number *	string	Borrower CPF (digits only)	11
document_identification *	string	DOCUMENT_KEY of the borrower’s photo ID PDF (RG or CNH)	-
document_identification_back	string	DOCUMENT_KEY of the back of the photo ID (uploaded beforehand).	11

Address object

Field	Type	Description	Max. chars
city *	string	City	100
state *	string	State (two uppercase letters)	2
number *	string	Street number	10
street *	string	Street name	100
complement *	string	Address complement (free text)	100
postal_code *	string	Postal code (https://www.buscacep.correios.com.br/)	8
neighborhood *	string	Neighborhood	100

Phone object

Field	Description	Example	Max. chars
number *	string	Phone number	10
area_code *	string	Area code (https://ddd.guiamais.com.br/)	2
country_code *	string	Country code (https://ddi.guiamais.com.br/)	3

Disbursement bank account

Debt issuance must include bank details for disbursement; by default this is an account in the borrower’s name.

Field	Type	Description	Max. chars
name	string	Account holder name	50
document_number	string	Account holder CPF	11
bank_code *	string	COMPE bank code (https://www.bcb.gov.br/pom/spb/estatistica/port/ASTR003.pdf)	3
branch_number *	string	Branch number (do not include branch check digit)	4
account_number *	string	Account number (without account check digit)	10
account_digit *	string	Account check digit (use zero instead of letters)	1
account_type	enum	Account type	1

Financial object

The financial object describes the credit operation’s financial terms.

Field	Type	Description	Max. chars
disbursed_amount *	float	Disbursed / nominal amount of the credit operation	-
interest_type	enum	Interest type — Amortization and interest calculation	-
credit_operation_type	enum	Credit operation type — Agreement type	-
annual_interest_rate	float	Annual prefixed interest rate as a decimal	-
disbursement_date	date	Disbursement date	-
interest_grace_period	int	Interest grace period (months)	-
principal_grace_period	int	Principal grace period	-
number_of_installments	int	Number of installments	-
fine_configuration	object	Fine configuration — Late interest and penalty	-

Fine configuration object

Fine configuration defines late penalty and interest for the credit operation.

Field	Type	Description	Max. chars
contract_fine_rate	float	Late penalty rate	-
interest_base	enum	Interest base — Interest calculation basis	-
monthly_rate	float	Monthly late interest rate	-

Refinanced credit operations

Field	Type	Description	Max. chars
operation_key	string	Key of the operation to refinance	UUID

Enumerators

Person type

Value	Description
legal	Legal entity
natural	Natural person

Account type

Value	Description
checking_account	Checking account
deposit_account	Deposit account
guaranteed_account	Guaranteed account
investment_account	Investment account
payment_account	Payment account
saving_account	Savings account
salary_account	Salary account

Interest type

Value	Description
pre_price_days	Price method (equal installments) with daily prefixed interest
pre_price	Price method (equal installments) with prefixed interest in fixed 30-day periods
pre_sac	SAC (constant amortization) with daily prefixed interest
post_sac	SAC with prefixed rate plus post-fixed index (CDI, IPCA, or IGP-M), daily
post_price	Price method with prefixed rate plus post-fixed index in fixed 30-day periods
post_price_days	Price method with prefixed rate plus post-fixed index, daily

Credit operation type

Value	Description
ccb	Bank credit note (Cédula de Crédito Bancário)
cce	Export credit note
cci	Real estate credit note
nce	Export credit note (alternative)

Interest base

Value	Description
workdays	Business days, 252-day year
calendar_days	Calendar days, 360-day year
calendar_days_365	Calendar days, 365-day year

Fee type

Each fee type must be enabled and configured by QI Tech in advance.

Value	Description
tac	Account opening fee
spread	Premium on the credit operation acquisition amount
warranty_analysis	Collateral analysis fee
ted_fee	TED transfer fee
spread_ted_fee	Premium on TED fee in the acquisition amount

Response

STATUS

200

Response Body

{
   "data":{
      "total_pre_fixed_amount":8959.86,
      "contract_fee_amount":77.05,
      "requester_identifier_key":"494598fd200",
      "ipoc_code":"324025020203147003534819ANT000000787",
      "contract_fees":[
         {
            "fee_type":"spread",
            "fee_amount":46.1
         },
         {
            "fee_amount":30.34,
            "fee_type":"spread_refinancing"
         },
         {
            "fee_type":"spread_refinancing",
            "fee_amount":0.61
         }
      ],
      "iof_charge_method":"financed",
      "contract":{
         "document_key":"cb97f9f5-9b58-4a55-826f-8698f2b97230",
         "number":"ANT000000787",
         "signature_information":[
            {
               "signature_url":null,
               "signer_role":"issuer",
               "signer_external_key":null,
               "signer_name":"Alan Mathison Turing",
               "signer_document_number":"47003534819",
               "signer_email":null
            }
         ],
         "urls":[
            "https://storage.googleapis.com/sandbox-doc-api-private/documents/cb97f9f5-9b58-4a55-826f-8698f2b97230/CASTELLOBNPL-ALAN_MATHISON_TURING-CCB-ANT000000787-20260408055239.pdf"
         ]
      },
      "external_contract_fee_amount":0,
      "cet":"7,5100%",
      "total_iof":367.14,
      "borrower":{
         "document_number":"47003534819",
         "related_party_key":"70f0bc84-98e0-4d4c-9ea7-ed783746ba5c",
         "name":"Alan Mathison Turing"
      },
      "collaterals":[
         
      ],
      "prefixed_interest_rate":{
         "daily_rate":0.0022578334,
         "annual_rate":1.252191589,
         "monthly_rate":0.07,
         "created_at":"2026-04-08T05:52:38",
         "interest_base":"calendar_days"
      },
      "annual_cet":"138,3385%",
      "assignment_amount":15444.19,
      "base_iof":308.75,
      "external_contract_fees":[
         {
            "net_fee_amount":0,
            "fee_type":"tac",
            "fee_amount":0,
            "tax_amount":0
         }
      ],
      "issue_amount":15367.14,
      "additional_iof":58.39,
      "installments":[
         {
            "business_due_date":"2026-06-08",
            "workdays":50,
            "has_interest":true,
            "original_due_principal":15367.14,
            "total_paid_amount":0,
            "total_amount":2432.7,
            "digitable_line":null,
            "qr_code_url":null,
            "original_pre_fixed_amount":2432.7,
            "installment_payment":[
               
            ],
            "due_principal":15367.14,
            "paid_at":null,
            "tax_amount":0,
            "installment_status":"created",
            "original_principal_amortization_amount":0,
            "post_fixed_amount":0,
            "additional_costs":[
               
            ],
            "installment_number":1,
            "fine_amount":null,
            "renegotiation_proposal_key":null,
            "calendar_days":75,
            "principal_amortization_amount":0,
            "installment_history":[
               
            ],
            "installment_key":"c0c716ca-1645-4cf6-bb6b-438a69693d79",
            "advanced_paid_amount":0,
            "qr_code_key":null,
            "bank_slip_key":null,
            "due_interest":0,
            "original_total_amount":2432.7,
            "paid_amount":0,
            "pre_fixed_amount":2432.7,
            "due_date":"2026-06-06",
            "accrual_reference_date":null,
            "installment_type":"principal",
            "total_accrual_amount":null
         },
         {
            "installment_type":"principal",
            "accrual_reference_date":null,
            "total_accrual_amount":null,
            "original_total_amount":2432.7,
            "pre_fixed_amount":1503.02134964,
            "paid_amount":0,
            "due_date":"2026-07-06",
            "bank_slip_key":null,
            "due_interest":399.36701987,
            "calendar_days":30,
            "installment_history":[
               
            ],
            "principal_amortization_amount":929.67865036,
            "advanced_paid_amount":0,
            "installment_key":"46d7a106-004f-4f64-910c-bc9e2c010845",
            "qr_code_key":null,
            "installment_number":2,
            "post_fixed_amount":0,
            "additional_costs":[
               
            ],
            "fine_amount":null,
            "renegotiation_proposal_key":null,
            "installment_status":"created",
            "original_principal_amortization_amount":929.67865036,
            "tax_amount":8.00453318,
            "digitable_line":null,
            "original_pre_fixed_amount":1503.02134964,
            "qr_code_url":null,
            "paid_at":null,
            "due_principal":15367.14,
            "installment_payment":[
               
            ],
            "business_due_date":"2026-07-06",
            "has_interest":true,
            "workdays":21,
            "original_due_principal":15367.14,
            "total_amount":2432.7,
            "total_paid_amount":0
         },
         {
            "original_total_amount":2432.7,
            "pre_fixed_amount":1045.50033033,
            "paid_amount":0,
            "due_date":"2026-08-06",
            "installment_type":"principal",
            "accrual_reference_date":null,
            "total_accrual_amount":null,
            "calendar_days":31,
            "installment_history":[
               
            ],
            "principal_amortization_amount":1387.19966967,
            "advanced_paid_amount":0,
            "installment_key":"af84c132-7311-412f-a5e4-a827047fda52",
            "qr_code_key":null,
            "bank_slip_key":null,
            "due_interest":0,
            "original_principal_amortization_amount":1387.19966967,
            "installment_status":"created",
            "tax_amount":15.47005072,
            "installment_number":3,
            "additional_costs":[
               
            ],
            "post_fixed_amount":0,
            "fine_amount":null,
            "renegotiation_proposal_key":null,
            "business_due_date":"2026-08-06",
            "original_due_principal":14437.46134964,
            "workdays":23,
            "has_interest":true,
            "total_amount":2432.7,
            "total_paid_amount":0,
            "digitable_line":null,
            "original_pre_fixed_amount":1045.50033033,
            "qr_code_url":null,
            "paid_at":null,
            "due_principal":14437.46134964,
            "installment_payment":[
               
            ]
         },
         {
            "installment_number":4,
            "additional_costs":[
               
            ],
            "post_fixed_amount":0,
            "fine_amount":null,
            "renegotiation_proposal_key":null,
            "original_principal_amortization_amount":1487.65495877,
            "installment_status":"created",
            "tax_amount":20.37194701,
            "digitable_line":null,
            "original_pre_fixed_amount":945.04504123,
            "qr_code_url":null,
            "paid_at":null,
            "installment_payment":[
               
            ],
            "due_principal":13050.26167997,
            "business_due_date":"2026-09-08",
            "original_due_principal":13050.26167997,
            "has_interest":true,
            "workdays":21,
            "total_paid_amount":0,
            "total_amount":2432.7,
            "installment_type":"principal",
            "accrual_reference_date":null,
            "total_accrual_amount":null,
            "original_total_amount":2432.7,
            "pre_fixed_amount":945.04504123,
            "paid_amount":0,
            "due_date":"2026-09-06",
            "bank_slip_key":null,
            "due_interest":0,
            "calendar_days":31,
            "installment_history":[
               
            ],
            "principal_amortization_amount":1487.65495877,
            "advanced_paid_amount":0,
            "installment_key":"8517161a-408a-400d-9a27-e4e54c87d9ec",
            "qr_code_key":null
         },
         {
            "renegotiation_proposal_key":null,
            "post_fixed_amount":0,
            "additional_costs":[
               
            ],
            "installment_number":5,
            "fine_amount":null,
            "tax_amount":26.22309023,
            "installment_status":"created",
            "original_principal_amortization_amount":1623.31869679,
            "installment_payment":[
               
            ],
            "due_principal":11562.6067212,
            "paid_at":null,
            "digitable_line":null,
            "qr_code_url":null,
            "original_pre_fixed_amount":809.38130321,
            "workdays":21,
            "has_interest":true,
            "original_due_principal":11562.6067212,
            "total_paid_amount":0,
            "total_amount":2432.7,
            "business_due_date":"2026-10-06",
            "total_accrual_amount":null,
            "accrual_reference_date":null,
            "installment_type":"principal",
            "due_date":"2026-10-06",
            "original_total_amount":2432.7,
            "paid_amount":0,
            "pre_fixed_amount":809.38130321,
            "due_interest":0,
            "bank_slip_key":null,
            "installment_key":"8c14e19c-a70e-4b0b-b0b5-d655f6136537",
            "advanced_paid_amount":0,
            "qr_code_key":null,
            "calendar_days":30,
            "principal_amortization_amount":1623.31869679,
            "installment_history":[
               
            ]
         },
         {
            "business_due_date":"2026-11-06",
            "has_interest":true,
            "workdays":21,
            "original_due_principal":9939.28802441,
            "total_amount":2432.7,
            "total_paid_amount":0,
            "digitable_line":null,
            "original_pre_fixed_amount":719.76113671,
            "qr_code_url":null,
            "paid_at":null,
            "due_principal":9939.28802441,
            "installment_payment":[
               
            ],
            "installment_status":"created",
            "original_principal_amortization_amount":1712.93886329,
            "tax_amount":32.02510499,
            "installment_number":6,
            "post_fixed_amount":0,
            "additional_costs":[
               
            ],
            "fine_amount":null,
            "renegotiation_proposal_key":null,
            "calendar_days":31,
            "installment_history":[
               
            ],
            "principal_amortization_amount":1712.93886329,
            "advanced_paid_amount":0,
            "installment_key":"4a880580-5873-4c12-8d32-3cf95b416417",
            "qr_code_key":null,
            "bank_slip_key":null,
            "due_interest":0,
            "original_total_amount":2432.7,
            "pre_fixed_amount":719.76113671,
            "paid_amount":0,
            "due_date":"2026-11-06",
            "installment_type":"principal",
            "accrual_reference_date":null,
            "total_accrual_amount":null
         },
         {
            "original_principal_amortization_amount":1856.85673048,
            "installment_status":"created",
            "tax_amount":39.28366099,
            "fine_amount":null,
            "installment_number":7,
            "additional_costs":[
               
            ],
            "post_fixed_amount":0,
            "renegotiation_proposal_key":null,
            "business_due_date":"2026-12-07",
            "total_amount":2432.7,
            "total_paid_amount":0,
            "original_due_principal":8226.34916112,
            "workdays":19,
            "has_interest":true,
            "original_pre_fixed_amount":575.84326952,
            "qr_code_url":null,
            "digitable_line":null,
            "paid_at":null,
            "due_principal":8226.34916112,
            "installment_payment":[
               
            ],
            "pre_fixed_amount":575.84326952,
            "paid_amount":0,
            "original_total_amount":2432.7,
            "due_date":"2026-12-06",
            "installment_type":"principal",
            "accrual_reference_date":null,
            "total_accrual_amount":null,
            "installment_history":[
               
            ],
            "principal_amortization_amount":1856.85673048,
            "calendar_days":30,
            "qr_code_key":null,
            "advanced_paid_amount":0,
            "installment_key":"94db881b-0054-4c73-b969-89c37c082f39",
            "bank_slip_key":null,
            "due_interest":0
         },
         {
            "original_pre_fixed_amount":461.25123635,
            "qr_code_url":null,
            "digitable_line":null,
            "paid_at":null,
            "due_principal":6369.49243064,
            "installment_payment":[
               
            ],
            "business_due_date":"2027-01-06",
            "total_amount":2432.7,
            "total_paid_amount":0,
            "workdays":21,
            "has_interest":true,
            "original_due_principal":6369.49243064,
            "fine_amount":null,
            "installment_number":8,
            "post_fixed_amount":0,
            "additional_costs":[
               
            ],
            "renegotiation_proposal_key":null,
            "installment_status":"created",
            "original_principal_amortization_amount":1971.44876365,
            "tax_amount":46.7193928,
            "bank_slip_key":null,
            "due_interest":0,
            "installment_history":[
               
            ],
            "principal_amortization_amount":1971.44876365,
            "calendar_days":31,
            "qr_code_key":null,
            "advanced_paid_amount":0,
            "installment_key":"d32e9f02-426d-4861-ad5c-fe541d2a4b94",
            "installment_type":"principal",
            "accrual_reference_date":null,
            "total_accrual_amount":null,
            "pre_fixed_amount":461.25123635,
            "paid_amount":0,
            "original_total_amount":2432.7,
            "due_date":"2027-01-06"
         },
         {
            "due_date":"2027-02-06",
            "paid_amount":0,
            "pre_fixed_amount":318.48703317,
            "original_total_amount":2432.7,
            "total_accrual_amount":null,
            "accrual_reference_date":null,
            "installment_type":"principal",
            "qr_code_key":null,
            "installment_key":"0c6ef3ba-6d82-45e4-9f3f-9f9a89207f68",
            "advanced_paid_amount":0,
            "principal_amortization_amount":2114.21296683,
            "installment_history":[
               
            ],
            "calendar_days":31,
            "due_interest":0,
            "bank_slip_key":null,
            "tax_amount":55.47694825,
            "installment_status":"created",
            "original_principal_amortization_amount":2114.21296683,
            "renegotiation_proposal_key":null,
            "fine_amount":null,
            "post_fixed_amount":0,
            "additional_costs":[
               
            ],
            "installment_number":9,
            "total_paid_amount":0,
            "total_amount":2432.7,
            "workdays":22,
            "has_interest":true,
            "original_due_principal":4398.04366699,
            "business_due_date":"2027-02-10",
            "installment_payment":[
               
            ],
            "due_principal":4398.04366699,
            "paid_at":null,
            "qr_code_url":null,
            "original_pre_fixed_amount":318.48703317,
            "digitable_line":null
         },
         {
            "installment_payment":[
               
            ],
            "due_principal":2283.83070016,
            "paid_at":null,
            "qr_code_url":null,
            "original_pre_fixed_amount":148.86929984,
            "digitable_line":null,
            "total_paid_amount":0,
            "total_amount":2432.7,
            "workdays":18,
            "has_interest":true,
            "original_due_principal":2283.83070016,
            "business_due_date":"2027-03-08",
            "renegotiation_proposal_key":null,
            "fine_amount":null,
            "post_fixed_amount":0,
            "additional_costs":[
               
            ],
            "installment_number":10,
            "tax_amount":65.17139286,
            "installment_status":"created",
            "original_principal_amortization_amount":2283.83070016,
            "due_interest":0,
            "bank_slip_key":null,
            "qr_code_key":null,
            "installment_key":"470dd63a-89eb-4c6c-8cd6-f570d469aa35",
            "advanced_paid_amount":0,
            "principal_amortization_amount":2283.83070016,
            "installment_history":[
               
            ],
            "calendar_days":28,
            "total_accrual_amount":null,
            "accrual_reference_date":null,
            "installment_type":"principal",
            "due_date":"2027-03-06",
            "paid_amount":0,
            "pre_fixed_amount":148.86929984,
            "original_total_amount":2432.7
         }
      ],
      "net_external_contract_fee_amount":0,
      "number_of_installments":10
   },
   "status":"waiting_signature",
   "event_datetime":"2026-04-08 05:52:52",
   "key":"0773a1b1-675a-4a10-80a2-a10308c7281e",
   "webhook_type":"debt"
}

STATUS

400

Response Body

{
  "data": "{\"title\": \"Bad Request\", \"description\": \"Invalid request body.\", \"translation\": \"Corpo da requisição inválido.\", \"extra_fields\": {}, \"code\": \"LEG000069\"}"
}

6. Technical Specifications and Enums

Fees Object

Field	Type	Description
amount	float	Fee amount (in percentage or absolute value, depending on the value provided in the amount_type field)
amount_type	enum	Fee value unit
fee_amount	float	Absolute value of the fee charged in the operation
fee_type	string	Type of fee charged in the operation
type	string	Source of the fee charged in the operation

Installments Object

Field	Type	Description
calendar_days	integer	Number of calendar days between installments
due_date	string	Installment due date in calendar days
due_principal	float	Remaining principal on the installment due date before its payment
has_interest	boolean	true - If true, interest applies to the installment
installment_number	integer	Installment number
prefixed_amount	float	Fixed interest amount paid on the installment
principal_amortization_amount	float	Principal amount paid on the installment
tax_amount	float	Base IOF amount of installment
amount	float	Installment total value
due_interest	float	Remaining interest after the installment due date before its payment
period	float	Installment period
period_workdays	float	Installment period in business days
period_to_disbursement	float	Period until disbursement
period_workdays_to_disbursement	float	Business days until disbursement
calendar_days_to_disbursement	integer	Calendar days to disbursement
workdays	integer	Business days between installments
workdays_to_disbursement	integer	Business days until disbursement

Interest Rate Object

Field	Description
annual_rate	Annual fixed/floating interest rate expressed as a decimal
daily_rate	Daily fixed/floating interest rate expressed as a decimal
interest_base	Interest Base Enumerator - Interest calculation basis
monthly_rate	Monthly fixed/floating interest rate expressed as a decimal

Tax Configuration Object

Field	Description
base_rate	Base IOF rate value
additional_rate	Additional IOF rate value

Enumeratores

Person Type Enumerator

Enumerator	Description
legal	Legal person
natural	Natural person

Account Type Enumerator

Enumerator	Description
checking_account	Checking account

Amount Type Enumerator

Enumerator	Description
absolute	Absolute value
percentage	Percentage value

Interest Type Enumerator

Enumerator	Description
pre_price_days	Price amortization method (equal installments) with daily fixed-rate interest calculation
pre_price	Price amortization method (equal installments) with fixed-rate interest calculation over 30-day periods

Credit Operation Type Enumerator

Enumerator	Description
ccb	Bank Credit Note

Interest Base Enumerator

Enumerator	Description
workdays	Interest calculation basis in business days, assuming a 252-day year
calendar_days	Interest calculation basis in calendar days, assuming a 360-day year
calendar_days_365	Interest calculation basis in calendar days, assuming a 365-day year

Fee Type Enumerator

Each fee type must be previously enabled and configured by QI Tech

Enumerator	Description
spread	Premium included in the credit operation's acquisition value
spread_ted_fee	Premium on the TED transfer fee

Origin Type Enumerator

Each fee type must be previously enabled and configured by QI Tech

Enumerator	Description
internal	Internal fee
external	External fee