3. User Operation Journey in the SCD/CCB via API

The usage journey of the Credit API (SCD/CCB) is structured in a logical sequence of steps, covering everything from the initial configuration of the partner's environment to the settlement and final registration of the credit operation. The flow ensures control, security, and automation throughout the entire process.

End-to-End Flow Overview

Simulation and Formalization

Once the environment is set up, the partner (using their user credentials) can begin credit operations.

Credit Proposal Simulation: Optionally, the partner can use the simulation endpoint to calculate loan terms (such as installment amounts) based on input parameters. This is useful for presenting a preview to the end customer.
Borrower Registration: Before creating a proposal, the partner must register the end customer’s information (the credit borrower) on the platform.
Credit Proposal Creation: With the borrower registered, the partner creates the credit proposal, defining values, interest rates, number of installments, and the borrower’s Pix key to which the funds will be sent.
CCB Generation: After creating the proposal, it is requested the CCB generation. The API returns the contract document in Base64 format, ready to be converted into a PDF file and presented to the borrower for signing.

Settlement

With the signed contract in hand, the process moves to its final stages.

Document Submission (KYC): The partner submits the borrower’s documents, which are linked to the proposal. Standard documents include a selfie, ID document, proof of address/income, and the signed CCB.
Credit Disbursement: This is the settlement stage, where the credit amount is transferred to the borrower. The funds are withdrawn from the partner's "wallet account" and sent via Pix to the final customer's account.
CCB Registration: After the disbursement is confirmed, the CCB is automatically registered, a registrar authorized by the Central Bank. This step gives public visibility and legal validity to the credit instrument, finalizing the journey of the operation.
Assignment of the CCB.