aid: iniciador
name: Iniciador
description: >-
  Iniciador is a Brazilian Open Finance infrastructure company that provides the
  regulated rails, APIs, and managed operations banks, payment institutions,
  fintechs, and platforms use to participate in Brazil's Open Finance ecosystem.
  It operates as a Payment Initiator (Iniciadora de Pagamentos), Data Receptor,
  Account Holder, and Data Transmitter, reportedly processing roughly one in
  three Pix initiations nationally and over a billion API data calls monthly.
  Its product surface spans Pague com Seu Banco, Pix Inteligente, Pix Biometria,
  Pix Automatico, Pix por Aproximacao, agentic payments, and data products such
  as real-time Dados Bancarios and Cadastro Expresso one-click onboarding. The
  platform is a FAPI / Open Finance Brasil OAuth2 + OpenID Connect provider using
  private_key_jwt client authentication, mTLS-bound access tokens, pushed
  authorization requests (PAR), and PS256 signed request objects.
url: https://raw.githubusercontent.com/api-evangelist/iniciador/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://iniciador.com.br/pt/opengraph-image
x-type: company
x-source: vc-portfolio
x-backed-by:
- prosus-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Open Finance
- Open Banking
- Payments
- Pix
- Brazil
- FAPI
- OAuth
- Financial Services
apis:
- name: Iniciador Open Finance API
  description: >-
    Iniciador's regulated Open Finance Brasil API surface for payment initiation
    and financial data sharing (accounts, credit cards, loans, financings,
    investments, exchanges, and more), authorized via FAPI-secured OAuth2/OIDC
    with private_key_jwt, mTLS-bound tokens, and pushed authorization requests.
  humanURL: https://docs.iniciador.com.br
  baseURL: https://api.iniciador.com.br
  tags:
  - Open Finance
  - Payments
  - Pix
  - FAPI
  properties:
  - type: Authentication
    url: authentication/iniciador-authentication.yml
  - type: OAuthScopes
    url: scopes/iniciador-scopes.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: TrustCenter
  url: security/iniciador-trust-center.yml
- type: Website
  url: https://iniciador.com.br
- type: DeveloperPortal
  url: https://docs.iniciador.com.br
- type: Documentation
  url: https://docs.iniciador.com.br
- type: APIReference
  url: https://docs.iniciador.com.br
- type: Login
  url: https://accounts.iniciador.com.br/sign-in
- type: TermsOfService
  url: https://iniciador.com.br/iniciador-politica-privacidade-termos.pdf
- type: PrivacyPolicy
  url: https://iniciador.com.br/iniciador-politica-privacidade-termos.pdf
- type: StatusPage
  url: https://status.iniciador.com.br
- type: Compliance
  url: security/iniciador-trust-center.yml
- type: Security
  url: https://iniciador.com.br/.well-known/security.txt
- type: SecurityTxt
  url: well-known/iniciador-security.txt
- type: VulnerabilityDisclosure
  url: security/iniciador-vulnerability-disclosure.yml
- type: WellKnown
  url: well-known/iniciador-well-known.yml
- type: Authentication
  url: authentication/iniciador-authentication.yml
- type: OAuthScopes
  url: scopes/iniciador-scopes.yml
- type: Conformance
  url: conformance/iniciador-conformance.yml
- type: DomainSecurity
  url: security/iniciador-domain-security.yml
- type: Lifecycle
  url: lifecycle/iniciador-lifecycle.yml
- type: LLMsTxt
  url: llms/iniciador-llms.txt
- type: LinkedIn
  url: https://www.linkedin.com/company/iniciador1
- type: YouTube
  url: https://www.youtube.com/@IniciadorOF
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence