QI Tech
Crédito consignado

Issue credit

Banking correspondent: 24/7 operations powered by proprietary technology

A complete technological and regulatory infrastructure for banking correspondents. Offer payroll-deductible credit to your clients through agreements such as INSS, FGTS, SIAPE, Armed Forces (Army, Navy, Air Force), benefit cards, and private payroll loans, with an end-to-end flow covering origination, onboarding, account setup, and credit assignment.

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Banking Correspondent Issue CreditBanking Correspondent Issue Credit

US$ 88 B

in Pix transactions

US$ 18 B

protected against fraud

+ US$ 19 B

in credit issued

US$ 28 B

under administration

Different Credit ModalitiesDifferent Credit Modalities

Invest in a credit product within your company

  • INSS credit
  • FGTS credit
  • SIAPE credit
  • Army credit
  • Navy credit
  • Air Force credit
  • Benefit card
  • Private payroll loan
Issue Credit Brazil Public Payroll Loan
Simple, fast, and secure

Plug-and-play API integration to offer credit

01FormalizationBuild the best sales journey with a secure authentication process.
02Banking enablementBank your credit operation and leverage our partnerships and agreements.
03Credit assignmentTechnology that enables credit assignment to different assignees.
Anti-fraud

  • Anti-Fraud

    Rely on a comprehensive anti-fraud solution to verify whether the person applying for a payroll-deductible loan is truly who they claim to be. Includes tools such as digital onboarding, facial recognition and liveness detection, background checks, and device validation.

  • Credit Engine

  • Electronic Signature

    • Contact sales
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Bancarization

  • CCB Issuance

    Ensure that all credit operations are legally documented, guaranteeing the validity and security of each issuance and transaction. Customize documents with your own brand identity while maintaining full legal and data security compliance.

  • Payroll linkage

  • Fast disbursement via Pix

    • Contact sales
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Custody Administration Funds

  • Sale of credit rights to the assignee

    Access the capital markets through FIDCs (Receivables Investment Fund), securitization companies, and financial institutions.

  • Create Your FIDC with QI Tech

    • Contact sales
    Seta
QI Tech Agreements

Reduce delinquency with a payroll-deductible credit product

FGTS Birthday Withdrawal

  • FGTS Birthday WithdrawalFGTS Birthday Withdrawal API to query the available loan margin linked to the user's CPF within Caixa Econômica Federal's system.
  • FGTS Birthday WithdrawalAutomated workflow for margin registration, operation formalization, borrower disbursement, and credit assignment.
FGTS
Icon tagReady to meet your business needs

Operate with new credit, refinancing, portability, and refinancing of transferred credit.

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Seta
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Offer payroll-deductible loans to your clients

  • Technological and regulatory infrastructure for banking correspondents
  • Formalization, banking enablement, and credit assignment for payroll-deductible loans
  • INSS, FGTS, SIAPE, Army, Navy, Air Force, benefit card, and private payroll loans
Attention: QI Tech is a technology company licensed as a financial institution, enabling our correspondents to directly offer banking services to their customers. We emphasize that we do NOT offer payroll loans to individuals under the INSS, FGTS, SIAPE, Army, Navy, Air Force, benefit card, or private payroll loan modalities. Our role is to provide the necessary technology so that our partners can offer these solutions securely and efficiently.