Klavi

Brazilian Open Finance aggregator. Bacen-licensed ITP focused on credit-decisioning / account-aggregation for BR fintechs and lenders. Provides Open Finance data plus value-added analytics (income classification, affordability scoring).

Reviewed: 2026-05-10

When to use Klavi

Choose if

Your B2B fintech is a lender or credit-decisioning product that needs Open Finance account data + ready-to-consume analytics (income classification, affordability) instead of building those layers in-house. Klavi's decisioning-first positioning is the differentiator.

Avoid if

You only need raw transaction feeds (no decisioning layer) — a pure-data aggregator (Pluggy, Belvo) may be cheaper at scale. Or if you're a per-user AI agent in Brazil — see /mcp/cumbuca-of-data-mcp/ for the MCP-shaped option.

Risk Flags

  • MEDIUM ITP licensing is Bacen-regulated; ongoing compliance obligations + audit cadence specific to credit-decisioning flows.

Pricing (Verified)

Hidden Costs

  • Value-added analytics (income classification, decision scores) bill separately from raw aggregation.

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