# Revenu

> Complete banking infrastructure via API. Core banking, payments, ledger, compliance, and financial operations — built for developers who ship fast. The only core banking in Brazil with 100% adherence to ISO 20022, BIAN, and international standards.

## Company

Revenu Open Tecnologias Ltda. is a Brazilian fintech that provides Banking as a Service (BaaS) infrastructure. Founded by Gustavo Armoa, former CTO of XP's Bequest Group Autonomous Investment Agent, after experiencing firsthand the broken state of Brazilian BaaS infrastructure. Revenu was built from scratch with international standards: ISO 20022, BIAN, FIBO ontology, Event Sourcing, CQRS, DDD, and native Kafka streaming.

- Website: https://revenu.tech
- API Docs: https://docsrevenu.vercel.app/
- Location: São Paulo, Brazil

## Core Architecture

- Event Sourcing + CQRS + DDD (14 aggregates)
- ISO 20022 native (19 message types, not translated)
- BIAN service architecture
- FIBO ontology for semantic interoperability
- Event-Driven Architecture with native Kafka
- AsyncAPI + REST APIs
- 16.7K TPS sustained throughput

## Products

- [Core Banking](/core-banking): Full banking core — accounts, ledger, transfers, compliance. Event Sourcing, CQRS, DDD. 14 aggregates, 30+ commands, 99.99% uptime.
- [PIX](/pagamentos/pix): Instant payments — multi-PSTI (JD, C&M, Matera), 55+ endpoints, circuit breaker failover < 1s, ISO 20022 native.
- [TED](/pagamentos/ted): Bank transfers via SPB with same-day settlement.
- [Boleto](/pagamentos/boleto): Registered boleto via CIP with DDA support.
- [International Payments](/pagamentos/internacional): Cross-border via SWIFT, ACH, FedNow with ISO 20022 messaging.
- [Cards](/cards): Card issuing — virtual/physical, dedicated BIN, 100% interchange, PCI DSS certified.
- [AuthorityOS](/regulatorios): Governance and authorization engine — RBAC + ABAC, policy engine < 5ms, 4-eyes approval workflows, immutable audit trail, SSO/SAML/OAuth 2.0.
- [HarmonyOS](/convenios): Reconciliation and orchestration — AI/ML matching 99.9%, smart payment routing, multi-source data harmonization, format conversion (CNAB, MT940, ISO 20022).
- [ChargeOS](/cobranca): Billing and smart dunning — invoicing, subscriptions, PIX QR + Boleto + Card, split payments, multi-channel dunning (email/SMS/WhatsApp), 94% recovery rate.
- [InvestOS](/investimentos): Investment infrastructure — CDB, LCI/LCA, funds, portfolio management, real-time yield, mark-to-market, D+0 settlement, CVM/ANBIMA reporting.
- [RiskOS](/riscos): Risk and fraud prevention — AI/ML scoring < 50ms, anomaly detection, device fingerprint, behavioral analytics, PEP/sanctions screening, automated PLD/FT (STR/COAF), < 0.1% false positive rate.
- [TreasuryOS](/tesouraria): Cash and liquidity management — multi-bank consolidated position, AI cash forecasting (7/30/90d), auto sweep/pooling, FX operations (spot/forward/NDF), SWIFT connectivity.
- [LoanOS](/credito): Credit and lending — digital origination < 3min, AI credit scoring, Price/SAC/Bullet amortization, multi-rail disbursement, integrated collection, FIDC/securitization, SCR/3040 reporting.
- [AtmOS](/atm): ATM as a Service — PIX Saque, PIX Troco, cash-in/cash-out, CEN/XFS native, remote terminal management, predictive monitoring with AI.
- [Marketplaces](/marketplaces): Split payments for multi-seller platforms — N:N split rules, per-seller escrow accounts, D+0 settlement via PIX, seller KYC/KYB onboarding, white-label seller portal, split-aware refunds.

## Solutions by Vertical

- [Fintechs](/solucoes/fintechs): Complete infrastructure for fintechs — launch financial products in weeks.
- [Banks](/solucoes/bancos): Modern core for banks — replace legacy with event-driven architecture.
- [PSPs](/solucoes/psps): Payment processing infrastructure for payment service providers.

## Use Cases

- [Marketplaces](/casos/marketplaces): Split payments, escrow, seller management
- [Lending](/casos/lending): Credit origination, scoring, collection
- [Payroll](/casos/payroll): Batch salary disbursement, tax automation
- [Digital Wallets](/casos/digital-wallets): P2P, top-ups, QR payments
- [Cards](/casos/cards): Card issuing, authorization, interchange
- [B2B Payments](/casos/b2b-payments): AP automation, vendor management
- [Embedded Finance](/casos/embedded-finance): BaaS white-label for non-financial platforms
- [Sandbox Testing](/casos/sandbox-testing): CI/CD integration, 1:1 prod replica

## Compliance & Certifications

- BACEN regulated
- ISO 27001 certified
- PCI DSS v4.0
- LGPD compliant
- ISO 20022 (19 native messages)
- MED 2.0 (chain blocking)

## Engineering Blog

- [Why I left my CTO role to build the core banking Brazil deserved](/blog/event-sourcing-core-banking)
- [How split payments work for marketplaces](/blog/split-payments-marketplace)
- [ISO 20022: the future of financial messaging in Brazil](/blog/iso-20022-future)
- [Multi-PSTI architecture: 99.99% uptime on PIX](/blog/pix-multi-psti-architecture)
- [Launching AuthorityOS: governance via API](/blog/authorityos-launch)
- [Ledger double-entry: designing our accounting engine](/blog/ledger-double-entry)
- [94% recovery rate with smart dunning](/blog/dunning-recovery-rate)
- [Integrating Open Finance into credit](/blog/open-finance-integration)
- [Cash forecasting with AI: TreasuryOS](/blog/treasuryos-cash-forecasting)
- [Financial testing in sandbox: zero incidents](/blog/sandbox-testing-financial)

## Optional

- [Full content for LLMs](/llms-full.txt)
- [API Documentation](https://docsrevenu.vercel.app/)
- [Trust Center](/trust)
- [Pricing](/pricing)