Open Finance Brasil
Informativo
•
23/09/2025
Disponibilização do motor de conformidade para o produto Jornada Otimizada + Pagamentos AutomáticosAtualização do motor de conformidade das APIs de Recursos, Operações de Crédito (exceto API Empréstimos), Contas e Cartões
Sumário Regulatório
Disponibilização do motor de conformidade para o produto Jornada Otimizada + Pagamentos AutomáticosAtualização do motor de conformidade das APIs de Recursos, Operações de Crédito (exceto API Empréstimos), Contas e Cartões
Conteúdo do Documento
Disponibilização do motor de conformidade para o produto Jornada Otimizada + Pagamentos Automáticos Conforme compartilhado no Informa #788 (“Divulgação do cronograma do produto Jornada Otimizada (JO)”, divulgado em 23/09/2025), o motor de conformidade contemplando o cenário infeliz de Jornada Otimizada (JO) + Pagamento...
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Conforme compartilhado no Informa #788 (“<em>Divulgação do cronograma do produto Jornada Otimizada (JO)</em>”, divulgado em 23/09/2025), <strong>o motor de conformidade contemplando o cenário infeliz de Jornada Otimizada (JO) + Pagamentos Automáticos foi disponibilizado em 08/12/2025 e será utilizado para o marco de 100% em JO + Pagamentos Automáticos no dia 22/01/2026</strong>. <br/>
<br/>
A implementação da Jornada Otimizada é obrigatória para as instituições detentoras de contas que também atuam no compartilhamento de dados como transmissoras de dados, ou seja, que possuem os papeis regulatórios DADOS e CONTA no Diretório de Participantes.<br/>
<br/>
Para esta versão do motor, foram implementados cenários de teste de exceção, ou seja, situações de <strong>não sucesso</strong> na Jornada Otimizada com Pagamentos Automáticos.<br/>
Serão validados:
<ul>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">A ausência do envio do objeto <strong>Journey</strong>;</li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">A revogação de consentimentos, tanto de <strong>Dados</strong> quanto de <strong>Pagamentos</strong>;</li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">O comportamento do fluxo quando um consentimento de dados é criado com permissões além do escopo original de <strong>saldo</strong> e <strong>cheque especial</strong>;</li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">O tratamento de erro quando o <strong>PAR</strong> é enviado de forma incompleta.</li>
</ul>
<strong>Sucesso no marco de 100% em JO + Pagamentos Automáticos</strong><br/>
Para o marco de 100% em JO + Pagamentos Automáticos, as instituições devem obter sucesso nos seguintes módulos de teste:
<ul>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><em>optimised-journey_sweeping_payments-core_test-module-v1;</em></li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><em>optimised-journey_sweeping_invalid-request_test-module-v1;</em></li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><em>optimised-journey_sweeping_invalid-par_test-module-v1;</em></li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><em>optimised-journey_invalid-permissions_test-module-v1;</em></li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><em>optimised-journey_sweeping_revoked-consent_test-module-v1;</em></li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><em>optimised-journey_sweeping_revoked-recurring-consent_test-module-v1;</em></li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><em>optimised-journey_automatic-pix_test-module-v1.</em></li>
</ul>
Reforçamos que instituições que não obtiverem sucesso no marco serão notificadas via <em>tickets</em> do Service Desk.<br/>
<br/>
Mais detalhes sobre os testes podem ser consultados na página de plano de testes.<br/>
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<h1 style="text-align: justify;display: block;margin: 0;padding: 0;color: #202020;font-family: Helvetica;font-size: 26px;font-style: normal;font-weight: bold;line-height: 125%;letter-spacing: normal;"><font color="#008080"><!--StartFragment--></font></h1>
<h1 style="text-align: left;display: block;margin: 0;padding: 0;color: #202020;font-family: Helvetica;font-size: 26px;font-style: normal;font-weight: bold;line-height: 125%;letter-spacing: normal;"><font color="#008080">Atualização do motor de conformidade das APIs de Recursos, Operações de Crédito (exceto API Empréstimos), Contas e Cartões</font></h1>
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Informamos que, em ajuste às informações originalmente divulgadas no Informa #789 (“<em>Divulgação dos cronogramas de versionamento minor para as APIs de Dados do cliente</em>”, enviado em 25/09/2025), <strong>as datas de disponibilização do motor de conformidade para as APIs de Recursos, Operações de Crédito (exceto API Empréstimos), Contas e Cartões foram alteradas</strong>, conforme abaixo:
<ul>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">API Adiantamento a depositantes v2.5.0, API Direitos creditórios descontados v2.4.0, API Financiamento v2.4.0 e API Recursos v3.1.0:
<ul>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">De: 01/12/2025;</li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">Para: <strong>09/01/2025</strong>. <br/>
</li>
</ul>
</li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">API Cartão de crédito v2.4.0 e API Contas v2.5.0:
<ul>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">De: 16/11/2025;</li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">Para: <strong>23/01/2025</strong>. </li>
</ul>
</li>
</ul>
<br/>
As demais informações contidas nos cronogramas divulgados no Informa #789 permanecem inalteradas. <br/>
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<h1 style="text-align: justify;display: block;margin: 0;padding: 0;color: #202020;font-family: Helvetica;font-size: 26px;font-style: normal;font-weight: bold;line-height: 125%;letter-spacing: normal;"><font color="#008080"><!--StartFragment--></font></h1>
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Conforme compartilhado no Informa #788 (“<em>Divulgação do cronograma do produto Jornada Otimizada (JO)</em>”, divulgado em 23/09/2025), <strong>o motor de conformidade contemplando o cenário infeliz de Jornada Otimizada (JO) + Pagamentos Automáticos foi disponibilizado em 08/12/2025 e será utilizado para o marco de 100% em JO + Pagamentos Automáticos no dia 22/01/2026</strong>. <br/>
<br/>
A implementação da Jornada Otimizada é obrigatória para as instituições detentoras de contas que também atuam no compartilhamento de dados como transmissoras de dados, ou seja, que possuem os papeis regulatórios DADOS e CONTA no Diretório de Participantes.<br/>
<br/>
Para esta versão do motor, foram implementados cenários de teste de exceção, ou seja, situações de <strong>não sucesso</strong> na Jornada Otimizada com Pagamentos Automáticos.<br/>
Serão validados:
<ul>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">A ausência do envio do objeto <strong>Journey</strong>;</li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">A revogação de consentimentos, tanto de <strong>Dados</strong> quanto de <strong>Pagamentos</strong>;</li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">O comportamento do fluxo quando um consentimento de dados é criado com permissões além do escopo original de <strong>saldo</strong> e <strong>cheque especial</strong>;</li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">O tratamento de erro quando o <strong>PAR</strong> é enviado de forma incompleta.</li>
</ul>
<strong>Sucesso no marco de 100% em JO + Pagamentos Automáticos</strong><br/>
Para o marco de 100% em JO + Pagamentos Automáticos, as instituições devem obter sucesso nos seguintes módulos de teste:
<ul>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><em>optimised-journey_sweeping_payments-core_test-module-v1;</em></li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><em>optimised-journey_sweeping_invalid-request_test-module-v1;</em></li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><em>optimised-journey_sweeping_invalid-par_test-module-v1;</em></li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><em>optimised-journey_invalid-permissions_test-module-v1;</em></li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><em>optimised-journey_sweeping_revoked-consent_test-module-v1;</em></li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><em>optimised-journey_sweeping_revoked-recurring-consent_test-module-v1;</em></li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;"><em>optimised-journey_automatic-pix_test-module-v1.</em></li>
</ul>
Reforçamos que instituições que não obtiverem sucesso no marco serão notificadas via <em>tickets</em> do Service Desk.<br/>
<br/>
Mais detalhes sobre os testes podem ser consultados na página de plano de testes.<br/>
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<h1 style="text-align: justify;display: block;margin: 0;padding: 0;color: #202020;font-family: Helvetica;font-size: 26px;font-style: normal;font-weight: bold;line-height: 125%;letter-spacing: normal;"><font color="#008080"><!--StartFragment--></font></h1>
<h1 style="text-align: left;display: block;margin: 0;padding: 0;color: #202020;font-family: Helvetica;font-size: 26px;font-style: normal;font-weight: bold;line-height: 125%;letter-spacing: normal;"><font color="#008080">Atualização do motor de conformidade das APIs de Recursos, Operações de Crédito (exceto API Empréstimos), Contas e Cartões</font></h1>
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Informamos que, em ajuste às informações originalmente divulgadas no Informa #789 (“<em>Divulgação dos cronogramas de versionamento minor para as APIs de Dados do cliente</em>”, enviado em 25/09/2025), <strong>as datas de disponibilização do motor de conformidade para as APIs de Recursos, Operações de Crédito (exceto API Empréstimos), Contas e Cartões foram alteradas</strong>, conforme abaixo:
<ul>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">API Adiantamento a depositantes v2.5.0, API Direitos creditórios descontados v2.4.0, API Financiamento v2.4.0 e API Recursos v3.1.0:
<ul>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">De: 01/12/2025;</li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">Para: <strong>09/01/2025</strong>. <br/>
</li>
</ul>
</li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">API Cartão de crédito v2.4.0 e API Contas v2.5.0:
<ul>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">De: 16/11/2025;</li>
<li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">Para: <strong>23/01/2025</strong>. </li>
</ul>
</li>
</ul>
<br/>
As demais informações contidas nos cronogramas divulgados no Informa #789 permanecem inalteradas. <br/>
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</tbody>
</table><table border="0" cellpadding="0" cellspacing="0" class="mcnDividerBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;table-layout: fixed !important;" width="100%">
<tbody class="mcnDividerBlockOuter">
<tr>
<td class="mcnDividerBlockInner" style="min-width: 100%;padding: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">
<table border="0" cellpadding="0" cellspacing="0" class="mcnDividerContent" style="min-width: 100%;border-top: 2px solid #FFD249;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" width="100%">
<tbody><tr>
<td style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;">
<span></span>
</td>
</tr>
</tbody></table>
<!--
<td class="mcnDividerBlockInner" style="padding: 18px;">
<hr class="mcnDividerContent" style="border-bottom-color:none; border-left-color:none; border-right-color:none; border-bottom-width:0; border-left-width:0; border-right-width:0; margin-top:0; margin-right:0; margin-bottom:0; margin-left:0;" />
-->
</td>
</tr>
</tbody>
</table></td>
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