---
title: Overview
slug: connect/xkr8-overview
docTags:
createdAt: 2023-11-16T04:15:13.025Z
---
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** | **Description** | **# Variables** |
| ----------------------- | ---------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------- | ----------------- | ----------------------------------------------------------------- | -------------------------------------------- |
| **Statement** | [pf\_checking\_account](docId\:Pe09ib5xd1cJAJLJEE9-C) | [pj\_checking\_account](docId\:Pe09ib5xd1cJAJLJEE9-C) | Institution-level | Checking account data: account number, balance, and transactions. | - |
| | [pf\_savings\_account](docId\:rOOSnfh1L33QXSZh_7QxY) | [pj\_savings\_account](docId\:rOOSnfh1L33QXSZh_7QxY) | Institution-level | | |
| | [pf\_credit\_card](docId:7NSHfxxriO1DxLINdDVFY) | [pj\_credit\_card](docId:7NSHfxxriO1DxLINdDVFY) | Institution-level | | |
| | [pf\_balance](docId:2fsPj0x4Sl8EBMzp7hKgP) | [pj\_balance](docId:2fsPj0x4Sl8EBMzp7hKgP) | Institution-level | | |
| | [pf\_loans](docId\:Zpma4lXowTYw3Oxhzno6j) | [pj\_loans](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 | | |
| **** | [pf\_categorized\_checking\_l2](docId\:FaED9SYVdHj4FKN-Zfa98) | [pj\_categorized\_checking\_l2](docId\:FaED9SYVdHj4FKN-Zfa98) | Institution-level | | |
| | [pf\_categorized\_savings\_l2](docId\:WwMtKQUpefmiBQp-oXTCd) | [pj\_categorized\_savings\_l2](docId\:WwMtKQUpefmiBQp-oXTCd) | Institution-level | | |
| | [pf\_categorized\_creditcard\_l2](docId\:xTompz4w1ilpOliqEaa3K) | [pj\_categorized\_creditcard\_l2](docId\:xTompz4w1ilpOliqEaa3K) | Institution-level | | |
| | [pf\_categorized\_checking\_l3](docId\:zJgr1RuPBCmoumLb-TLkx) | [pj\_categorized\_checking\_l3](docId\:zJgr1RuPBCmoumLb-TLkx) | Institution-level | | |
| | [pf\_categorized\_savings\_l3](docId\:qpyWPqlT5LqLPNZc-tgrr) | [pj\_categorized\_savings\_l3](docId\:qpyWPqlT5LqLPNZc-tgrr) | Institution-level | | |
| | [pf\_categorized\_creditcard\_l3](docId\:jPT5A6hwfKRgtMRjYN3FI) | [pj\_categorized\_creditcard\_l3](docId\:jPT5A6hwfKRgtMRjYN3FI) | Institution-level | | |
| **Credit Risk** | [pf\_financial\_entries](docId\:S3PEbDZ6OLId6IoEWU5vL) | N/A | User-level | | |
| | [pf\_credit\_risk](docId\:HSmIS4iH4Y0ROmq4m0YTS) | N/A | User-level | | |
| | [pf\_income](docId\:QIWo72TPtxlanDRpxtO8V) | N/A | User-level | | |
| | [pf\_recurrent\_expenses](https://docs.klavi.ai/connect/KnDQ-recurrent-expenses) | N/A | User-level | | |
| | [pf\_competing\_debit](docId\:EQfP0PR8-nnO-04rR0VNG) | N/A | User-level | | |
| | [pf\_financial\_capacity](docId:3TFBX3SpHl0L76Z0jfCaT) | N/A | User-level | | |
| | [pf\_bets\_indicator](docId\:ZQ1dxL_Nhg0S91gOnhxJl) | N/A | User-level | | |
| | [pf\_klavi\_score\_k1](docId\:tM6ozeBAyyvg_cu5yBzXR) | N/A | User-level | | |
| | [pf\_klavi\_score\_k2](docId\:Zfb3j7dQ-nBGIv7gKDi5A) | N/A | User-level | | |
| | [pf\_klavi\_score\_k3](docId\:rlcJaxz3JQePqaFLd2KET) | N/A | User-level | | |
| | [pf\_score\_l1](docId:4SaoL_lgvh8LV4cIN7DGv) | N/A | User-level | | |
| | [pf\_score\_l2](docId\:g1SUdjaDZfseYNYoOT0DA) | N/A | User-level | | |
| | [pf\_score\_l3](docId\:z4tRlTchD23KF2LWD8shH) | N/A | User-level | | |
| | [pf\_score\_l5](docId\:smg1tlsmKfLpNqUwIKp6W) | N/A | User-level | | |
| | [pf\_score\_c1](docId\:k-O5QQ-DOk1oOyutYK9Qj) | N/A | User-level | | |
| | [pf\_klavi\_income](docId\:U2ouzWTBtAjHUxul0aen9) | N/A | User-level | | |
| | [pf\_klavi\_expenses](docId\:Oh5I1qJOqlSbafeDIF4HX) | N/A | User-level | | |
| | [pf\_klavi\_capacity](https://docs.klavi.ai/connect/1j5F-v1) | N/A | User-level | | |
| | [pf\_klavi\_employment](docId\:DHdYesbwLIsqvHw9SiADa) | N/A | User-level | | |
| **Market Intelligence** | [pf\_financial\_products](docId\:EJ3Zoghw-C3-C508hnZWF) | N/A | User-level | | |
| | [pf\_non\_financial\_products](docId\:KS52v_616DIBDFd7yItnq) | N/A | User-level | | |
| | [pf\_principality](docId\:itphnlGd0c5q5oWAumXyD) | N/A | Institution-level | | |
| **KYC** | [pf\_identity](docId\:ItiltmkqBDf_9oAG6biCd) | [pj\_identity](docId\:ItiltmkqBDf_9oAG6biCd) | Institution-level | | |
Below are the product descriptions:
| **Product group** | **P****roduct** | **Description** | **# 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 data: card number, limit, statements and transactions | - |
| | 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 – Invoice financings: 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. | - |
***