specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Belvo
providerId: belvo
created: '2026-06-21'
modified: '2026-06-21'
reconciled: false
tags:
- Open Finance
- Open Banking
- Bank Data
- Aggregation
- Payments
- Pix
- Latin America
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Belvo spend. Belvo bills under a sales-led commercial
  agreement rather than published self-serve rates, so cost is typically a
  function of the products consumed (aggregation retrievals across accounts,
  transactions, balances, owners, incomes, recurring expenses vs. payment
  initiation), the number of Links / connections maintained, request volume,
  and country coverage. Exact unit rates are not published and are not
  reconciled here.
notes: >-
  Unit economics depend on the signed order form. During reconciliation, map
  Belvo invoice line items (per product, per request or per Link, per country)
  to the meters below and verify against the commercial agreement.
sources:
- https://belvo.com
- https://developers.belvo.com
- https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Belvo
serviceCategory: Financial Services
billingModel:
  pricingCategory: Commitment-Based
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
focusColumns:
  ServiceName: Belvo API
  ServiceCategory: Financial Services
  ProviderName: Belvo
  PublisherName: Belvo
  InvoiceIssuerName: Belvo
  BillingCurrency: USD
  ChargeCategory: Usage
  PricingCategory: Commitment-Based
meters:
- name: active_links
  description: Number of active Links (end-user connections) maintained, often a primary billing dimension.
  unit: links
  aggregation: sum
  dimensions:
  - account
  - country
  - access_mode
- name: aggregation_retrievals
  description: Data retrieval calls against accounts, transactions, balances, and owners resources.
  unit: requests
  aggregation: sum
  dimensions:
  - account
  - resource
  - country
- name: enrichment_requests
  description: Income and recurring-expense insight requests derived from account activity.
  unit: requests
  aggregation: sum
  dimensions:
  - account
  - resource
- name: payment_transactions
  description: Pix / Open Finance payment initiations processed via payment intents in Brazil.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - provider
- name: webhook_deliveries
  description: Asynchronous webhook notifications delivered for aggregation and payment events.
  unit: events
  aggregation: sum
  dimensions:
  - account
  - event_type
principles:
- name: Visibility
  description: Reconcile Belvo invoices against active Links and per-resource retrievals; track which products drive spend.
- name: Allocation
  description: Tag Links and API usage by product line, country, and team; map to internal cost centers.
- name: Optimization
  description: Prefer recurrent Links plus webhooks over high-frequency polling; delete unused Links; only retrieve enrichment resources when needed.
- name: Accountability
  description: Assign owners per integration; review active-Link counts and retrieval volume monthly against the commercial commitment.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com