Open Finance Brasil — Accounts API

Name: Open Finance Brasil — Accounts API
Brand: Open Finance Brasil — Accounts API
Availability: InStock

✓ Official Vendor SpecFinanceBankingoauth2,openIdConnect7 EndpointsREST

For Agents

Read a Brazilian customer's bank account information — identification, balances, transactions, and overdraft limits — through the regulated Open Finance Brasil Accounts API.

Install Jentic One Beta

Connect the Open Finance Brasil — Accounts API to your agent

Jentic One is a self-hosted execution layer for AI agents. It lets your agent call the Open Finance Brasil — Accounts API, or any other public or private API you need. You set the rules, the agent never sees your credentials, and every call is logged.

Two steps, two machines. Install the instance in a safe environment, then register your agent from wherever it runs.

Step 1: Jentic One Host machine

# On the machine that will host your Jentic One instance:
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh

Step 2: Agent machine

# On the machine where your agent runs (keep this separate from the instance):
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh
jentic register       # connects your agent to your Jentic One instance

Jentic One is in public beta. The setup above keeps your agent separate from the instance, which is what you want before using real credentials: an agent running as the same OS user as Jentic One can read its stored keys directly. Just evaluating? A single local install is fine to start. See the secure deployment guide for the tiers.

Capabilities

What an agent can do with Open Finance Brasil — Accounts API.

List all accounts the customer has shared via /accounts and inspect a specific account through /accounts/{accountId}

Retrieve current and available balances for an account at /accounts/{accountId}/balances

Pull paginated transaction history through /accounts/{accountId}/transactions

GET STARTED

Start building with Open Finance Brasil — Accounts API

Explore with Jentic

View OpenAPI Document

The Open Finance Brasil Accounts API is the standardised Phase 2 specification published by the Open Finance Brasil consortium for sharing demand deposit, savings, and prepaid account information across regulated Brazilian financial institutions. It defines seven endpoints covering account listing, identification, balances, transactions, current-day transactions, overdraft limits, and reserved balances. Customer-permissioned access uses OAuth 2.0 with FAPI security profile and OpenID Connect, and every transmitting institution must conform to the same payload shape under the Brazilian Central Bank regulation.

Use Cases

Patterns agents use Open Finance Brasil — Accounts API for, with concrete tasks.

★ Multi-Bank Aggregator

Build a personal-finance or treasury app that aggregates Brazilian customer balances and transactions across regulated institutions. Once consent is granted under Open Finance Brasil, the app calls /accounts and /accounts/{id}/balances per institution and unifies the results — every transmitting bank conforms to the same payload, removing the per-institution adapter work that is needed in the US.

Call /accounts and then /accounts/{accountId}/balances for each accountId and return total available funds across the customer's permissioned accounts.

Cash-Flow Forecasting

Pull /accounts/{accountId}/transactions and /accounts/{accountId}/transactions-current to produce a daily cash-flow forecast for a small business. The current-transactions endpoint surfaces same-day movements not yet posted to the historical ledger, which is critical for treasury teams aligning payment runs to incoming deposits.

For accountId X, fetch /transactions for the last 90 days plus /transactions-current and combine into a daily series.

Credit Decisioning Inputs

Use the Accounts API alongside other Open Finance Brasil phases to input bank balance, transaction patterns, overdraft usage, and reserved balances into a credit decision. Lenders authorised under the consortium can request the customer's permission and read the same shape across all institutions, accelerating underwriting compared with statement-upload flows.

For accountId X, call /balances and /overdraft-limits and pass the values into the lender's risk model.

Agent-Driven Personal Finance Assistant

An AI agent acting as a personal-finance assistant for a Brazilian customer can use Jentic to discover the right Accounts API operation when asked "what is my balance?" or "how much did I spend last week?". Jentic stores the customer's OAuth token securely and injects it on each call, so the agent works across institutions without holding the bank credentials.

Through Jentic, find the operation for "list accounts" and call it for the consented customer, then fetch /balances for each.

Key Endpoints

7 endpoints — the open finance brasil accounts api is the standardised phase 2 specification published by the open finance brasil consortium for sharing demand deposit, savings, and prepaid account information across regulated brazilian financial institutions.

METHOD

PATH

DESCRIPTION

GET

/accounts

List the customer's permissioned accounts

GET

/accounts/{accountId}

Get account identification details

GET

/accounts/{accountId}/balances

Current and available balances

GET

/accounts/{accountId}/transactions

Historical paginated transactions

GET

/accounts/{accountId}/transactions-current

Same-day transactions

GET

/accounts/{accountId}/overdraft-limits

Configured overdraft limits

GET

/accounts/{accountId}/reserved-balances

Reserved balance amounts

GET

/accounts

List the customer's permissioned accounts

GET

/accounts/{accountId}

Get account identification details

GET

/accounts/{accountId}/balances

Current and available balances

GET

/accounts/{accountId}/transactions

Historical paginated transactions

GET

/accounts/{accountId}/transactions-current

Same-day transactions

Why Jentic?

Three things that make agents converge on Jentic-routed access.

Credential isolation

Open Finance Brasil requires OAuth 2.0 access tokens issued under the FAPI profile, including holder-of-key checks. Jentic stores tokens encrypted in MAXsystem and applies them at execution alongside the FAPI-required headers, so agents do not handle the FAPI plumbing or raw tokens directly.

Intent-based discovery

Agents query Jentic with intents like "list a customer's accounts" or "get the balance on a Brazilian account" and receive the matching Accounts API operation with its consent and account-id parameters typed correctly.

Time to first call

Direct Open Finance Brasil integration: 2-4 weeks including FAPI security profile, mTLS, consent management, and directory onboarding. Through Jentic (with consent handled in the host app): under 1 hour to call the first operation.

FAQs

Specific to using Open Finance Brasil — Accounts API through Jentic.

What authentication does the Open Finance Brasil Accounts API use?

The Accounts API uses OAuth 2.0 with the FAPI (Financial-grade API) security profile and OpenID Connect for customer authorisation. Jentic stores the resulting access token encrypted in MAXsystem and injects it on each call, so the agent never sees the raw token even when querying balances or transactions.

Can I read same-day transactions through the Open Finance Brasil Accounts API?

Yes. /accounts/{accountId}/transactions-current returns the customer's current-day movements that have not yet been posted to the historical /transactions endpoint. Use it for treasury and reconciliation flows that need intra-day visibility.

What are the rate limits for the Open Finance Brasil Accounts API?

Limits are set by each transmitting institution under the framework defined by the consortium and Brazilian Central Bank. Designs typically permit a few requests per second per consent. Watch for HTTP 429 and retry with backoff; coordinate batch reads with the customer's consent window.

How do I list a customer's accounts with the Accounts API through Jentic?

Use the Jentic search query "list a customer's bank accounts in Brazil". Jentic returns the GET /accounts operation with its query schema; the agent supplies the consent ID and Jentic applies the FAPI-compliant headers and OAuth token. Sign up at https://app.jentic.com/sign-up.

Is the Open Finance Brasil Accounts API free?

The specification is free and open. Access depends on being a regulated participant or a partner of one — institutions transmit data to authorised receivers under the consortium's directory. The technical access itself does not have a per-call vendor charge.

Does the Accounts API cover credit cards or loans?

No. The Accounts API covers demand deposit, savings, and prepaid accounts only. Credit-card data is in the separate Credit Cards Accounts API and loans live in the Loans API — both are separate Open Finance Brasil specifications.