SCD - Sociedade de Crédito Direto

The EasyCredito Credit API (SCD/CCB) is a complete and robust infrastructure solution designed for the formalization of end-to-end credit operations. The solution operates under the regulation of two central concepts of the Brazilian financial system:

SCD (Direct Credit Society): It is a type of financial institution authorized by the Central Bank of Brazil to perform credit operations, such as loans and financing, exclusively through an electronic platform with its own capital. EasyCredito operates as an SCD, providing the regulatory and technological foundation for the operations.

CCB (Bank Credit Note): It is the credit instrument that formalizes the loan operation between the creditor and the borrower. This document, generated in PDF format through a flexible template, contains all the details of the transaction—such as amounts, rates, terms, and installments—and has legal validity as an extrajudicial enforceable instrument.