PRODUCTS
Overview
3 min
klavi provides the following data products(personal and business) based on open finance data , and each product data is divided into different levels based on the different data ranges institution level a user's account in a certain institution user level a user's account in multiple institutions open finance product product group product for personal product for business product level statement v1 docid\ pe09ib5xd1cjajljee9 c v1 docid\ pe09ib5xd1cjajljee9 c institution level savings account docid\ roosnfh1l33qxszh 7qxy savings account docid\ roosnfh1l33qxszh 7qxy institution level v1 docid 7nshfxxrio1dxlinddvfy v1 docid 7nshfxxrio1dxlinddvfy institution level v1 docid 2fspj0x4sl8ebmzp7hkgp v1 docid 2fspj0x4sl8ebmzp7hkgp institution level v1 docid\ zpma4lxowtyw3oxhzno6j v1 docid\ zpma4lxowtyw3oxhzno6j institution level pf financing https //docs klavi ai/connect/financing pj financing https //docs klavi ai/connect/financing institution level pf invoice financing https //docs klavi ai/connect/invoicefinancing pj invoice financing https //docs klavi ai/connect/invoicefinancing institution level pf unarranged account overdraft https //docs klavi ai/connect/unarrangedaccountoverdraft pj unarraged account overdraft https //docs klavi ai/connect/unarrangedaccountoverdraft institution level pf variable incomes https //docs klavi ai/connect/blgd v1 pj variable incomes https //docs klavi ai/connect/variableincomes institution level pf bank fixed incomes https //docs klavi ai/connect/bankfixedincomes pj bank fixed incomes https //docs klavi ai/connect/bankfixedincomes institution level pf funds https //docs klavi ai/connect/funds pj funds https //docs klavi ai/connect/funds institution level pf credit fixed incomes https //docs klavi ai/connect/creditfixedincomes pj credit fixed incomes https //docs klavi ai/connect/creditfixedincomes institution level pf treasure titles https //docs klavi ai/connect/treasuretitles pj treasure titles https //docs klavi ai/connect/treasuretitles institution level v1 docid\ faed9syvdhj4fkn zfa98 v1 docid\ faed9syvdhj4fkn zfa98 institution level categorized savings l2 docid\ wwmtkqupefmibqp oxtcd categorized savings l2 docid\ wwmtkqupefmibqp oxtcd institution level v1 docid\ xtompz4w1ilpoliqeaa3k v1 docid\ xtompz4w1ilpoliqeaa3k institution level v1 docid\ zjgr1rupbcmoumlb tlkx v1 docid\ zjgr1rupbcmoumlb tlkx institution level categorized savings l3 docid\ qpywpqlt5lqlpnzc tgrr categorized savings l3 docid\ qpywpqlt5lqlpnzc tgrr institution level v1 docid\ jpt5a6hwfkrgtmrjyn3fi v1 docid\ jpt5a6hwfkrgtmrjyn3fi institution level credit risk v1 docid\ s3pebdz6olid6ioewu5vl n/a user level v1 docid\ hsmis4ih4y0romq4m0yts n/a user level v1 docid\ qiwo72tptxlandrpxto8v n/a user level pf recurrent expenses https //docs klavi ai/connect/kndq recurrent expenses n/a user level v1 docid\ eqfp0pr8 nno 04rr0vng n/a user level v1 docid\ zq1dxl nhg0s91gonhxjl n/a user level v1 docid 4saol lgvh8lv4cin7dgv n/a user level v1 docid\ g1sudjadzfseynyoot0da n/a user level v1 docid\ z4trltchd23kf2lwd8shh n/a user level v1 docid\ smg1tlsmkflpnquwikp6w n/a user level v1 docid\ k o5qq dok1ooyutyk9qj n/a user level market intelligence v1 docid\ ej3zoghw c3 c508hnzwf n/a user level v1 docid\ ks52v 616dibdfd7yitnq n/a user level v1 docid\ itphnlgd0c5q5owaumxyd n/a institution level kyc v1 docid\ itiltmkqbdf 9oag6bicd v1 docid\ itiltmkqbdf 9oag6bicd institution level below are the product descriptions product group p p roduct description description # variables # variables statement pf checking account checking account data account number, balance, and transactions pf savings account savings account data account number, balance, and transactions pf credit card credit card statement includes all information such as credit limit and other card details, enriched with klavi's intelligence don't have categorization pf balance balance data includes account number and balance for both checking and savings accounts pf loans credit operation – loans contract data, loan amount, interest, installments, and payment history pf financiang credit operation – financing contract data, financed amount, interest, installments, and payment history pf invoice financing credit operation – discounted credit rights contract data, amount, interest, installments, and payment history pf unarranged account overdraft credit operation – advance to depositors contract data, amount, interest, installments, and payment history pf variable incomes investment type – variable income investment product data, balance, transactions, and brokerage note information pf bank fixed incomes investment type – bank fixed income investment product data, balance, and transactions pf funds investment type – investment funds investment product data, balance, and transactions pf credit fixed incomes investment type – credit fixed income investment product data, balance, and transactions pf treasure titles investment type – government bonds (tesouro direto) investment product data, balance, and transactions pf categorized checking l2 checking account data enriched with klavi's intelligence account number, balance, and transactions with categorization having 2 levels of categorization pf categorized savings l2 savings account data enriched with klavi's intelligence account number, balance, and transactions with categorization having 2 levels of categorization pf categorized creditcard l2 credit card statement includes all information such as credit limit and other card details, enriched with klavi's intelligence having 2 levels of categorization pf categorized checking l3 checking account data enriched with klavi's intelligence account number, balance, and transactions with advanced categorization having 3 levels of categorization pf categorized savings l3 savings account data enriched with klavi's intelligence account number, balance, and transactions with advanced categorization having 3 levels of categorization pf categorized creditcard l3 credit card statement includes all information such as credit limit and other card details, enriched with klavi's intelligence having 3 levels of categorization credit risk pf financial entries cash flow focused variables, identifying types of income and additional observed earnings 144 pf credit risk variables focused on credit risk uses transactional data and information on contracted products and services from the shared bank 141 pf income returns three types of income (1) observed income (formal jobs \[clt], public employee, companies, inss, government benefits), (2) additional income (uber, 99, card acquirer earnings), and (3) estimated income, inferred using transactional and financial product data 8 pf recurrent expenses variables for recurring expenses, showing monthly inferences for 20 expense types 20 pf competing debit variables that show the type of monthly income and the competition with other debits related to the main income receipt date pf score l1 a credit score model developed by klavi using only open finance data 1 pf score l2 a credit score model developed by klavi using only open finance data 1 pf score l3 a credit score model developed by klavi using only open finance data 1 pf score l5 a credit score model developed by klavi using only open finance data 1 pf score c1 a credit score model developed by klavi using only open finance data 1 market intelligence pf financial products variables focused on financial products, including transactions and contracted products and services also includes current and savings account balances 105 pf non financial products variables focused on non financial products, derived from transactional data related to essential services and lifestyle 56 pf principality it is a scoring model that indicates the level of primacy of the connected account kyc pf identity provides personal information (birthdate, gender, marital status, occupation, phone number, address, family), declared income, assets and salary portability