# Iniciador

> Iniciador is a Brazilian Open Finance infrastructure company providing the regulated APIs, rails, and managed operations that banks, payment institutions, fintechs, and platforms use to participate in Brazil's Open Finance ecosystem. It operates as a Payment Initiator, Data Receptor, Account Holder, and Data Transmitter, and is a FAPI / Open Finance Brasil OAuth2 + OpenID Connect provider (private_key_jwt, mTLS-bound tokens, PAR, PS256 request objects).

This llms.txt was generated by the API Evangelist enrichment pipeline from the provider's public discovery surface (apis.yml + harvested well-known documents). It is not published by Iniciador.

## Products

- Payment Initiator (Iniciadora de Pagamentos) — Pix payment initiation
- Data Receptor (Receptora de Dados) — consented financial data receiving
- Account Holder / Data Transmitter — regulated OFB participant roles
- Pague com Seu Banco, Pix Inteligente, Pix Biometria, Pix Automatico, Pix por Aproximacao
- Pagamentos Agenticos (agentic payments)
- Dados Bancarios (real-time banking data), Cadastro Expresso (one-click onboarding)

## APIs

- Iniciador Open Finance API: https://docs.iniciador.com.br (base URL https://api.iniciador.com.br)

## Authentication

- OIDC discovery: https://api.iniciador.com.br/.well-known/openid-configuration
- Authorization server metadata (RFC 8414): https://api.iniciador.com.br/.well-known/oauth-authorization-server
- JWKS: https://api.iniciador.com.br/jwks
- Authorization endpoint: https://auth.iniciador.com.br/auth
- Token endpoint (mTLS): https://api-mtls.iniciador.com.br/token
- Profile: FAPI / Open Finance Brasil — private_key_jwt, mTLS-bound tokens, PAR, PS256, LoA2/LoA3

## Docs

- Developer documentation: https://docs.iniciador.com.br
- Consent portal: https://portal.iniciador.com.br
- Status page: https://status.iniciador.com.br
- Trust center: https://trust.iniciador.com.br
- Security policy (RFC 9116): https://iniciador.com.br/.well-known/security.txt
- Terms & privacy: https://iniciador.com.br/iniciador-politica-privacidade-termos.pdf

## Repo artifacts

- Authentication profile: authentication/iniciador-authentication.yml
- OAuth scopes: scopes/iniciador-scopes.yml
- Conformance: conformance/iniciador-conformance.yml
- Well-known index: well-known/iniciador-well-known.yml
- Domain security: security/iniciador-domain-security.yml
- Trust center: security/iniciador-trust-center.yml
- Vulnerability disclosure: security/iniciador-vulnerability-disclosure.yml
- Lifecycle: lifecycle/iniciador-lifecycle.yml