---
title: Open Finance Analytics
slug: klaas/open-finance-analytics
docTags: 
createdAt: 2025-06-27T08:05:13.926Z
---

:::ApiMethodV2
```json
{
  "name": "analytics",
  "method": "POST",
  "url": "https://api-sandbox.klavi.ai/klaas/openbanking/v1/analytics",
  "description": "Partners send users' Open Finance data through this API. Klavi backend systems will receive, clean, classify, process and calculate the data, and returns the analytics report to partners through asynchronous method (webhook).\nBecause there are many data processing processes, this API is asynchronous. The submission process can be ended after the partner successfully submits the data. When klavi completes the whole processing, it will return the analytics report to partners through the webhook.",
  "tab": "examples",
  "examples": {
    "languages": [
      {
        "id": "yWW5o-AJv2hzFttnVXqeq",
        "language": "curl",
        "code": "curl --location 'https://api-sandbox.klavi.ai/klaas/openbanking/v1/analytics' \\\n--header 'Accept: application/json' \\\n--header 'Content-Type: application/json' \\\n--data @example.json'",
        "customLabel": ""
      },
      {
        "id": "_m49I8lXTEbI2py9l8VyC",
        "language": "nodejs",
        "code": "var request = require('request');\nvar options = {\n   'method': 'POST',\n   'url': 'https://api-sandbox.klavi.ai/klaas/openbanking/v1/analytics',\n   'headers': {\n      'Accept': 'application/json',\n      'Content-Type': 'application/json'\n   },\n   body: JSON.stringify({\n      \"connectionId\": \"String\"\n   })\n\n};\nrequest(options, function (error, response) {\n   if (error) throw new Error(error);\n   console.log(response.body);\n});\n",
        "customLabel": ""
      },
      {
        "id": "NbLqraz-0LB5WVf0Q65As",
        "language": "javascript",
        "code": "var myHeaders = new Headers();\nmyHeaders.append(\"Accept\", \"application/json\");\nmyHeaders.append(\"Content-Type\", \"application/json\");\n\nvar raw = JSON.stringify({\n   \"connectionId\": \"String\"\n});\n\nvar requestOptions = {\n   method: 'POST',\n   headers: myHeaders,\n   body: raw,\n   redirect: 'follow'\n};\n\nfetch(\"https://api-sandbox.klavi.ai/klaas/openbanking/v1/analytics\", requestOptions)\n   .then(response => response.text())\n   .then(result => console.log(result))\n   .catch(error => console.log('error', error));",
        "customLabel": ""
      },
      {
        "id": "5l5BJXPmneLlkOfekwV4A",
        "language": "python",
        "code": "import requests\nimport json\n\nurl = \"https://api-sandbox.klavi.ai/klaas/openbanking/v1/analytics\"\n\npayload = json.dumps({\n   \"connectionId\": \"String\"\n})\nheaders = {\n   'Accept': 'application/json',\n   'Content-Type': 'application/json'\n}\n\nresponse = requests.request(\"POST\", url, headers=headers, data=payload)\n\nprint(response.text)\n",
        "customLabel": ""
      },
      {
        "id": "-IWCVm2OOugg0vAYhb96y",
        "language": "ruby",
        "code": "require \"uri\"\nrequire \"json\"\nrequire \"net/http\"\n\nurl = URI(\"https://api-sandbox.klavi.ai/klaas/openbanking/v1/analytics\")\n\nhttps = Net::HTTP.new(url.host, url.port)\nhttps.use_ssl = true\n\nrequest = Net::HTTP::Post.new(url)\nrequest[\"Accept\"] = \"application/json\"\nrequest[\"Content-Type\"] = \"application/json\"\nrequest.body = JSON.dump({\n   \"connectionId\": \"String\"\n})\n\nresponse = https.request(request)\nputs response.read_body\n",
        "customLabel": ""
      }
    ],
    "selectedLanguageId": "yWW5o-AJv2hzFttnVXqeq"
  },
  "results": {
    "languages": [
      {
        "id": "JgEJyRfj_hZwnR5Fp-uzl",
        "language": "200",
        "code": "{\n    \"connectionId\": \"82a88abc0c1a0009643397c3a682300a\",\n    \"code\": 200,\n    \"msg\": \"ok\",\n    \"data\": null\n}",
        "customLabel": ""
      }
    ],
    "selectedLanguageId": "JgEJyRfj_hZwnR5Fp-uzl"
  },
  "request": {
    "pathParameters": [],
    "queryParameters": [],
    "headerParameters": [
      {
        "name": "Authorization",
        "kind": "required",
        "type": "string",
        "description": "JWT bearer token",
        "": "required"
      },
      {
        "name": "is_batch",
        "kind": "optional",
        "type": "string",
        "description": "Is the partner's business batch processing or real-time processing.\nBatch process: is_batch=1;\nReal-time process: is_batch=0;\nDefault: is_batch=1.",
        "": "Is the partner's business batch processing or real-time processing.\nBatch process: is_batch=1;\nReal-time process: is_batch=0;\nDefault: is_batch=1."
      }
    ],
    "bodyDataParameters": [],
    "formDataParameters": []
  },
  "currentNewParameter": {
    "label": "Header Parameter",
    "value": "headerParameters"
  },
  "hasTryItOut": false,
  "response": [
    {
      "name": "connectionId",
      "kind": "optional",
      "type": "string",
      "description": "connectionId"
    },
    {
      "name": "code",
      "kind": "optional",
      "type": "number",
      "description": "Response code",
      "children": []
    },
    {
      "name": "msg",
      "kind": "optional",
      "type": "string",
      "description": "Response Message",
      "children": []
    },
    {
      "name": "data",
      "kind": "optional",
      "type": "object",
      "description": "Business data",
      "children": []
    }
  ]
}
```
:::

# Request example

:::CodeblockTabs
json

```json
{
    "accounts":
    [
        {
            "brandName": "Nu Pagamentos S.A. - Instituição de Pagamento",
            "companyCnpj": "18236120000158",
            "type": "CONTA_PAGAMENTO_PRE_PAGA",
            "number": "5215657631",
            "subtype": "INDIVIDUAL",
            "currency": "BRL",
            "accountId": "153628128",
            "compeCode": "323",
            "branchCode": "0001",
            "checkDigit": "1",
            "balances":
            {
                "blockedAmount":
                {
                    "amount": "6.29",
                    "currency": "BRL"
                },
                "availableAmount":
                {
                    "amount": "204.17",
                    "currency": "BRL"
                },
                "automaticallyInvestedAmount":
                {
                    "amount": "204.17",
                    "currency": "BRL"
                },
                "updateDateTime": "2021-05-21T08:30:00Z"
            },
            "overdraftLimits":
            {
                "overdraftContractedLimit":
                {
                    "amount": "1000.0400",
                    "currency": "BRL"
                },
                "overdraftUsedLimit":
                {
                    "amount": "1000.0400",
                    "currency": "BRL"
                },
                "unarrangedOverdraftAmount":
                {
                    "amount": "1000.0400",
                    "currency": "BRL"
                }
            },
            "transactions":
            [
                {
                    "transactionId": "TXpRMU9UQTROMWhZV2xSU1FUazJSMDl",
                    "completedAuthorisedPaymentType": "TRANSACAO_EFETIVADA",
                    "creditDebitType": "DEBITO",
                    "transactionName": "Transferencia Enviada Lima Santos",
                    "type": "PIX",
                    "transactionAmount":
                    {
                        "amount": "1000.0400",
                        "currency": "BRL"
                    },
                    "transactionDateTime": "2024-01-29T12:29:03.374Z",
                    "partieCnpjCpf": "43908445778",
                    "partiePersonType": "PESSOA_NATURAL",
                    "partieCompeCode": "001",
                    "partieBranchCode": "6272",
                    "partieNumber": "67890854360",
                    "partieCheckDigit": "4"
                },
                {
                    "type": "PIX",
                    "transactionId": "16541117b2e76f524c75b14154a3081dfb122ea908c164",
                    "creditDebitType": "DEBITO",
                    "transactionDateTime": "2024-05-11T21:49:33.137Z",
                    "transactionName": "Transferência Pix enviada",
                    "transactionAmount":
                    {
                        "amount": "300.00",
                        "currency": "BRL"
                    },
                    "completedAuthorisedPaymentType": "TRANSACAO_EFETIVADA",
                    "partieBranchCode": "3608",
                    "partieCheckDigit": "4",
                    "partieCnpjCpf": "36753939920",
                    "partieCompeCode": "033",
                    "partieNumber": "00000000000001001609",
                    "partiePersonType": "PESSOA_NATURAL"
                }
            ]
        }
    ],
    "creditCards":
    [
        {
            "creditCardAccountId": "153628128",
            "brandName": "Nu Pagamentos S.A. - Instituição de Pagamento",
            "companyCnpj": "18236120000158",
            "name": "Mercado Pago",
            "creditCardNetwork": "VISA",
            "productType": "CLASSIC_NACIONAL",
            "productAdditionalInfo": "OURO_INTERNACIONAL",
            "networkAdditionalInfo": "AURA CARD",
            "paymentMethod":
            [
                {
                    "identificationNumber": "6873",
                    "isMultipleCreditCard": true
                },
                {
                    "identificationNumber": "9802",
                    "isMultipleCreditCard": false
                }
            ],
            "limits":
            [
                {
                    "creditLineLimitType": "LIMITE_CREDITO_TOTAL",
                    "consolidationType": "CONSOLIDADO",
                    "identificationNumber": "4453",
                    "lineName": "CREDITO_A_VISTA",
                    "lineNameAdditionalInfo": "Informações adicionais e complementares.",
                    "isLimitFlexible": true,
                    "limitAmount":
                    {
                        "amount": "1000.0400",
                        "currency": "BRL",
                        "limitAmountReason": "O perfil do cliente passou por uma análise e o limite precisou ser zerado"
                    },
                    "usedAmount":
                    {
                        "amount": "1000.0400",
                        "currency": "BRL"
                    },
                    "availableAmount":
                    {
                        "amount": "1000.0400",
                        "currency": "BRL"
                    },
                    "customizedLimitAmount":
                    {
                        "amount": "1000.0400",
                        "currency": "BRL"
                    }
                },
                {
                    "creditLineLimitType": "LIMITE_CREDITO_MODALIDADE_OPERACAO",
                    "consolidationType": "CONSOLIDADO",
                    "identificationNumber": "4453",
                    "lineName": "CREDITO_PARCELADO",
                    "lineNameAdditionalInfo": "Informações adicionais e complementares.",
                    "isLimitFlexible": false,
                    "limitAmount":
                    {
                        "amount": "1000.0400",
                        "currency": "BRL",
                        "limitAmountReason": "O perfil do cliente passou por uma análise e o limite precisou ser zerado"
                    },
                    "usedAmount":
                    {
                        "amount": "1000.0400",
                        "currency": "BRL"
                    },
                    "availableAmount":
                    {
                        "amount": "1000.0400",
                        "currency": "BRL"
                    }
                }
            ],
            "bills":
            [
                {
                    "billId": "3459087XXZTR",
                    "dueDate": "2021-05-21",
                    "isInstalment": false,
                    "billTotalAmount":
                    {
                        "amount": "1000.0400",
                        "currency": "BRL"
                    },
                    "billMinimumAmount":
                    {
                        "amount": "1000.0400",
                        "currency": "BRL"
                    },
                    "financeCharges":
                    [
                        {
                            "type": "JUROS_REMUNERATORIOS_ATRASO_PAGAMENTO_FATURA",
                            "additionalInfo": "Informações Adicionais",
                            "amount": "100000.0400",
                            "currency": "BRL"
                        }
                    ],
                    "payments":
                    [
                        {
                            "valueType": "VALOR_PAGAMENTO_FATURA_PARCELADO",
                            "paymentDate": "2021-05-21",
                            "paymentMode": "DEBITO_CONTA_CORRENTE",
                            "amount": "1000.0400",
                            "currency": "BRL"
                        }
                    ]
                }
            ],
            "transactions":
            [
                {
                    "transactionId": "TXpRMU9UQTROMWhZV2xSU1FUazJSMDl",
                    "identificationNumber": "4453",
                    "transactionName": "PGTO",
                    "billId": "MTU0OTU1NjI2NTk4OTRmc2ZhZDRmc2Q1NmZkM",
                    "creditDebitType": "DEBITO",
                    "transactionType": "CASHBACK",
                    "transactionalAdditionalInfo": "string",
                    "paymentType": "A_VISTA",
                    "feeType": "ANUIDADE",
                    "feeTypeAdditionalInfo": "string",
                    "otherCreditsType": "CREDITO_ROTATIVO",
                    "otherCreditsAdditionalInfo": "string",
                    "chargeIdentificator": 12,
                    "chargeNumber": 12,
                    "brazilianAmount":
                    {
                        "amount": "1000.0400",
                        "currency": "BRL"
                    },
                    "amount":
                    {
                        "amount": "1000.0400",
                        "currency": "BRL"
                    },
                    "transactionDateTime": "2024-01-29T12:29:03.374Z",
                    "billPostDate": "2024-05-21",
                    "payeeMCC": 5137
                },
                {
                    "transactionId": "TXpRMU9UQTROMWhZV2xSU1FUazJSMDl",
                    "identificationNumber": "4453",
                    "transactionName": "PGTO",
                    "billId": "MTU0OTU1NjI2NTk4OTRmc2ZhZDRmc2Q1NmZkM",
                    "creditDebitType": "DEBITO",
                    "transactionType": "CASHBACK",
                    "transactionalAdditionalInfo": "string",
                    "paymentType": "A_VISTA",
                    "feeType": "ANUIDADE",
                    "feeTypeAdditionalInfo": "string",
                    "otherCreditsType": "CREDITO_ROTATIVO",
                    "otherCreditsAdditionalInfo": "string",
                    "chargeIdentificator": 12,
                    "chargeNumber": 12,
                    "brazilianAmount":
                    {
                        "amount": "1000.0400",
                        "currency": "BRL"
                    },
                    "amount":
                    {
                        "amount": "1000.0400",
                        "currency": "BRL"
                    },
                    "transactionDateTime": "2024-01-29T12:29:03.374Z",
                    "billPostDate": "2024-05-21",
                    "payeeMCC": 5137
                }
            ]
        }
    ],
    "creditOperations":
    {
        "loans":
        [
            {
                "contractId": "92792126019929279212650822221989319252576",
                "brandName": "Organização A",
                "companyCnpj": "21128159000166",
                "contractNumber": "1324926521496",
                "ipocCode": "92792126019929279212650822221989319252576",
                "productName": "Crédito Pessoal Consignado",
                "productType": "EMPRESTIMOS",
                "productSubType": "CREDITO_PESSOAL_COM_CONSIGNACAO",
                "productSubTypeCategory": "CREDITO_PESSOAL_CLEAN",
                "contractDate": "2018-01-05",
                "disbursementDates":
                [
                    "2018-01-15"
                ],
                "settlementDate": "2018-01-15",
                "contractAmount": "1000.0400",
                "currency": "BRL",
                "dueDate": "2028-01-15",
                "instalmentPeriodicity": "SEMANAL",
                "instalmentPeriodicityAdditionalInfo": "Informações adicionais sobre periodicidade",
                "firstInstalmentDueDate": "2018-02-15",
                "CET": "0.290000",
                "hasInsuranceContracted": true,
                "amortizationScheduled": "SAC",
                "amortizationScheduledAdditionalInfo": "Informações complementares relativa à amortização do tipo "OUTROS"",
                "cnpjConsignee": "60500998000135",
                "interestRates":
                [
                    {
                        "taxType": "EFETIVA",
                        "calculation": "30/360",
                        "preFixedRate": "1.080000",
                        "postFixedRate": "0.000000",
                        "additionalInfo": "NA",
                        "taxPeriodicity": "AA",
                        "interestRateType": "SIMPLES",
                        "referentialRateIndexerType": "PRE_FIXADO",
                        "referentialRateIndexerSubType": "PRE_FIXADO",
                        "referentialRateIndexerAdditionalInfo": "NA"
                    }
                ],
                "contractedFees":
                [
                    {
                        "feeName": "Renovação de cadastro",
                        "feeCode": "CADASTRO",
                        "feeChargeType": "UNICA",
                        "feeCharge": "MINIMO",
                        "feeAmount": "100000.0400",
                        "feeRate": "0.062000"
                    }
                ],
                "contractedFinanceCharges":
                [
                    {
                        "chargeType": "JUROS_REMUNERATORIOS_POR_ATRASO",
                        "chargeAdditionalInfo": "Informações adicionais sobre encargos.",
                        "chargeRate": "0.070000"
                    }
                ],
                "nextInstalmentAmount": "1000.0400",
                "payments":
                {
                    "paidInstalments": 73,
                    "contractOutstandingBalance": "1000.0400",
                    "lastUpdatedContractOutstandingBalance": "2021-05-21T08:30:03.374Z",
                    "totalRemainingAmount": "1000.0400",
                    "releases":
                    [
                        {
                            "paymentId": "XlthLXpBLVowLTldW2EtekEtWjAtOVwtXXswLDk5fSQ",
                            "isOverParcelPayment": true,
                            "instalmentId": "WGx0aExYcEJMVm93TFRsZFcyRXRla0V0V2pBdE9Wd3RYWH",
                            "paidDate": "2021-05-21",
                            "currency": "BRL",
                            "paidAmount": "1000.0400",
                            "overParcel":
                            {
                                "fees":
                                [
                                    {
                                        "feeName": "Reavaliação periódica do bem",
                                        "feeCode": "aval_bem",
                                        "feeAmount": "100000.0400"
                                    }
                                ],
                                "charges":
                                [
                                    {
                                        "chargeType": "JUROS_REMUNERATORIOS_POR_ATRASO",
                                        "chargeAdditionalInfo": "Informações adicionais",
                                        "chargeAmount": "1000.0400"
                                    }
                                ]
                            }
                        }
                    ]
                },
                "warranties":
                [
                    {
                        "currency": "BRL",
                        "warrantyType": "CESSAO_DIREITOS_CREDITORIOS",
                        "warrantySubType": "NOTAS_PROMISSORIAS_OUTROS_DIREITOS_CREDITO",
                        "warrantyAmount": "1000.0400"
                    }
                ],
                "scheduledInstalments":
                {
                    "typeNumberOfInstalments": "MES",
                    "totalNumberOfInstalments": 130632,
                    "typeContractRemaining": "DIA",
                    "contractRemainingNumber": 14600,
                    "paidInstalments": 73,
                    "dueInstalments": 57,
                    "pastDueInstalments": 73,
                    "balloonPayments":
                    [
                        {
                            "dueDate": "2021-05-21",
                            "amount":
                            {
                                "amount": "1000.0400",
                                "currency": "BRL"
                            }
                        }
                    ]
                }
            }
        ],
        "financings":
        [],
        "unarrangedAccountsOverdrafts":
        [],
        "invoiceFinancings":
        []
    },
    "customer":
    {
        "uuid": "019a6cbe-e5e6-7720-aa79-32d6f46146e4",
        "identifications":
        [
            {
                "updateDateTime": "2021-05-21T08:30:00Z",
                "personalId": "578-psd-71md6971kjh-2d414",
                "brandName": "Organização A",
                "civilName": "Juan Kaique Cláudio Fernandes",
                "socialName": "Jaqueline de Freitas",
                "birthDate": "1989-03-23",
                "maritalStatusCode": "OUTRO",
                "maritalStatusAdditionalInfo": "Amasiado",
                "sex": "FEMININO",
                "companiesCnpj":
                [
                    "01773247000103",
                    "01773247000563"
                ],
                "documents":
                {
                    "cpfNumber": "25872252137",
                    "passport":
                    {
                        "number": "75253468744594820620",
                        "country": "CAN",
                        "expirationDate": "2021-05-21",
                        "issueDate": "2021-05-21"
                    }
                },
                "otherDocuments":
                [
                    {
                        "type": "CNH",
                        "typeAdditionalInfo": "CREA-RJ",
                        "number": "15291908",
                        "checkDigit": "P",
                        "additionalInfo": "SSP/SP",
                        "expirationDate": "2021-05-21"
                    }
                ],
                "hasBrazilianNationality": false,
                "nationality":
                [
                    {
                        "otherNationalitiesInfo": "CAN",
                        "documents":
                        [
                            {
                                "type": "SOCIAL SEC",
                                "number": "423929299",
                                "expirationDate": "2021-05-21",
                                "issueDate": "2021-05-21",
                                "country": "Brasil",
                                "additionalInfo": "Informações adicionais."
                            }
                        ]
                    }
                ],
                "filiation":
                [
                    {
                        "type": "PAI",
                        "civilName": "Marcelo Cláudio Fernandes",
                        "socialName": "string"
                    }
                ],
                "contacts":
                {
                    "postalAddresses":
                    [
                        {
                            "isMain": true,
                            "address": "Av Naburo Ykesaki, 1270",
                            "additionalInfo": "Fundos",
                            "districtName": "Centro",
                            "townName": "Marília",
                            "ibgeTownCode": "3550308",
                            "countrySubDivision": "SP",
                            "postCode": "17500001",
                            "country": "Brasil",
                            "countryCode": "BRA",
                            "geographicCoordinates":
                            {
                                "latitude": "-23.5475000",
                                "longitude": "-46.6361100"
                            }
                        }
                    ],
                    "phones":
                    [
                        {
                            "isMain": true,
                            "type": "FIXO",
                            "additionalInfo": "Informações adicionais.",
                            "countryCallingCode": "55",
                            "areaCode": "19",
                            "number": "29875132",
                            "phoneExtension": "932"
                        }
                    ],
                    "emails":
                    [
                        {
                            "isMain": true,
                            "email": "karinafernandes-81@br.inter.net"
                        }
                    ]
                }
            }
        ],
        "qualifications":
        {
            "updateDateTime": "2021-05-21T08:30:00Z",
            "companyCnpj": "50685362000135",
            "occupationCode": "RECEITA_FEDERAL",
            "occupationDescription": "01",
            "informedIncome":
            {
                "frequency": "DIARIA",
                "amount":
                {
                    "amount": "100000.0400",
                    "currency": "BRL"
                },
                "date": "2021-05-21"
            },
            "informedPatrimony":
            {
                "amount":
                {
                    "amount": "100000.0400",
                    "currency": "BRL"
                },
                "year": 2010
            }
        },
        "financialRelations":
        {
            "updateDateTime": "2021-05-21T08:30:00Z",
            "startDate": "2021-05-21T08:30:00Z",
            "productsServicesType":
            [
                "SEGURO"
            ],
            "productsServicesTypeAdditionalInfo": "Informações adicionais do tipo de serviço.",
            "procurators":
            [
                {
                    "type": "PROCURADOR",
                    "cpfNumber": "73677831148",
                    "civilName": "Elza Milena Stefany Teixeira",
                    "socialName": "Carlos"
                }
            ],
            "accounts":
            [
                {
                    "compeCode": "001",
                    "branchCode": "6272",
                    "number": "24550245",
                    "checkDigit": "4",
                    "type": "CONTA_DEPOSITO_A_VISTA",
                    "subtype": "INDIVIDUAL"
                }
            ],
            "portabilitiesReceived":
            [
                {
                    "employerName": "string",
                    "employerCnpjCpf": "string",
                    "paycheckBankDetainerCnpj": "string",
                    "paycheckBankDetainerIspb": "string",
                    "portabilityApprovalDate": "2025-11-10"
                }
            ],
            "paychecksBankLink":
            [
                {
                    "employerName": "string",
                    "employerCnpjCpf": "string",
                    "paycheckBankCnpj": "string",
                    "paycheckBankIspb": "string",
                    "accountOpeningDate": "2025-11-10"
                }
            ]
        }
    }
}
```
:::

# Asynchronous response example

```json
{
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