Organize funds by customer
Identify subaccounts with the reference used in your system. Review each customer's available balance, held funds and history.
Fintechs
Give your users a complete funding and withdrawal journey.
Bring Pix, Brazilian real balances and withdrawals into your fintech, wallet or platform. Your team designs the interface; the API connects payment flows and provides the information needed to track each movement.
Collections, balances and withdrawals in your product.
01Customer deposit
02Subaccount balance
03Authorized withdrawal
Illustrative flow
Track each operation through the API and partner dashboard.
In your operation
What you can build.
Offer different withdrawal options
Request Pix payouts or convert available funds into an asset and network supported by the delivery catalog.
Show what is happening
Use notifications and status queries to explain whether a transaction is waiting, processing or complete.
From start to settlement
How it works in practice.
- 01
Design the experience
Decide who receives funds, how balances will be separated and which withdrawals your product will offer.
- 02
Connect the movements
Link collection, balance and withdrawal to the same customer. Test limits, holds and uncertain responses as well.
- 03
Track your operations
Reconcile notifications, queries and statements. Keep user access and authorization rules in your application.
Withdrawals use available funds and the account's current terms. The total balance may include funds still on hold.
With your team or AI
One API.
Your way to integrate.
Your team can integrate through code, or use AI agents with OpenAPI, MCP and Lunium Mesh. Organize your account’s sandbox and production keys in the dashboard.
Before you start
Questions about your business.
Does every user get a bank account?
The feature described is an identified BRL balance subaccount. It is not the opening of an individual bank account.
Do I need crypto from the start?
No. You can start with BRL collections and Pix payouts, then add conversion when your product needs it.
Can I build an interface under my own brand?
Yes. Your application presents the flows and calls the API from your server. You manage the experience and your users' permissions.
Ready to connect the next step?
Start with an account and test in the sandbox. If you want to discuss your operation, our team can help map the flow.