4. Product Rules and Policies

Credit Product Rules

Multiple Products per Partner:
A single partner company may register multiple credit products simultaneously. For example, a client can offer both a personal loan product and a vehicle financing product, each with its own set of rules and configurations.

Proposal Rules

Product Association:
Every credit proposal must be linked to a Product previously registered by EasyCredito , ensuring that the applicable commercial rules—such as interest rates, IOF, and fees like account setup charges or Pix disbursement costs—are correctly enforced.

Submission Conditions:
A proposal can only be created for a borrower who has been properly registered on the platform.

Timeframes and Expiration:
If the operation requires contract approval by an investor or funding partner, deadlines may be defined. If the contract is not submitted or approved within the allotted time, the proposal may expire, and the loan will not be disbursed.

CCB Rules

• Template-Based Generation: The Bank Credit Note (CCB) is generated in PDF format from an HTML template provided by the partner.
• Automatic Data Population: The operation-specific data (amounts, rates, installments, borrower details) is automatically inserted into the template at the time of document generation.
• Flexible Layout: Using an HTML template provides full flexibility for the partner to define the layout, content, and contractual clauses according to legal requirements and branding preferences.

KYC Document Rules

• Standard Documents: The platform is prepared to receive all key documents required for KYC (Know Your Customer) processes, such as a selfie, ID document, proof of address, proof of income, and the signed CCB.
• Link to Proposal: Each document set submitted is directly linked to a specific credit proposal, ensuring clear organization and traceability of information.
• External Validation: The API functions as a secure repository for documents. The responsibility for analyzing and validating the authenticity and accuracy of the documents lies with the partner consuming the API. The system only verifies that all required documents have been submitted before allowing disbursement.

Disbursement Rules

• Funding Source: Loan disbursement is always made using the balance of the partner’s wallet account. Easycredito/Fitbank does not use its own capital to fund operations.
• Balance Monitoring: It is the partner’s responsibility to ensure the wallet account has sufficient funds to cover the disbursements. If the account runs out of funds, disbursement operations will be halted.
• Processing Timeframes: Disbursements are processed in batches. The disbursement of an operation may take 30 minutes.

Registration Rules

Post-Disbursement Registration:

• The CCB is submitted for registration only after the operation has been settled—that is, after the funds have been transferred to the borrower.
• Instrument Availability: Once registered, the CCB becomes an official financial asset, which can be traded or assigned to third parties (such as FIDCs), enhancing the security and liquidity of the operation.

Security and Compliance Policies

• Mandatory Authentication:All API requests must be authenticated using the Bearer Token obtained through the authentication process.