BCB Resolution 4.658/2018 mandates robust KYC for institutions operating Pix and digital accounts. FlowAI extracts CPF, validates LGPD data residency requirements, checks OFAC and UN sanctions, and delivers APPROVE/ESCALATE/REJECT decisions in under 3 seconds — with an audit trail that satisfies BCB examiners.
The Banco Central do Brasil requires KYC as a precondition for Pix key registration and IP account opening. FlowAI's triage pipeline maps directly to BCB's PLD/FT (Prevenção à Lavagem de Dinheiro) requirements — every decision produces an audit record that satisfies BCB examination standards.
Lei Geral de Proteção de Dados (LGPD) requires explicit consent and data minimization. FlowAI structures data collection to LGPD Article 7 grounds. For CVM-regulated securities activities, our audit trail provides the full applicant data lineage required for regulatory inspection.
CPF numbers are extracted from Brazilian national IDs (CNH, RG, Passaporte) and validated against the standard Receita Federal check-digit algorithm. Invalid CPFs surface as immediate risk flags. CNPJ extraction for corporate applicants follows the same pattern.
Run a Brazilian applicant scenario — CPF document type, Portuguese-language extraction, BCB risk scoring.
Pick a scenario. Hit run. See exactly what the agent decides — and why.
| Provider | Cost per review | Monthly cost (50K) | Annual cost |
|---|---|---|---|
| Manual compliance team | R$12–18 (~$2.40–3.60) | $120,000–180,000 | $1.44M–2.16M |
| Jumio | $3.00–5.00 | $150,000–250,000 | $1.8M–3.0M |
| Idwall (Brazil local) | R$8–15 (~$1.60–3.00) | $80,000–150,000 | $960K–1.8M |
| Truora | $1.50–3.00 | $75,000–150,000 | $900K–1.8M |
| Persona | $2.00–4.00 | $100,000–200,000 | $1.2M–2.4M |
| Sardine | $1.50–3.00 | $75,000–150,000 | $900K–1.8M |
| FlowAI Starter | $0.01 | $499/mo flat | $5,988 |
At 50K reviews/month, FlowAI is 99%+ cheaper than every alternative. That delta funds your growth team.
FlowAI processes applicant data through our API and stores audit records per your configuration. For LGPD Article 33 international transfer requirements, we provide the data processing agreement (DPA) language you need to satisfy BCB and ANPD requirements. Data minimization is built in — we don't store raw document images beyond what's needed for the audit trail.
Pix key registration requires BCB-compliant identity verification before the key is issued. FlowAI's triage API can be called synchronously at key registration — the APPROVE/ESCALATE/REJECT decision arrives in under 3 seconds, so your UX doesn't stall. BCB Resolution 4.658/2018 requires the audit record; FlowAI provides it with every call via the case_id and full decision log.
Yes. FlowAI's founding team includes Pedro, who has deep experience with LATAM fintech operations including BCB-regulated environments through Idez Digital. The product roadmap reflects BCB's PLD/FT framework directly — this isn't a US product retrofitted for Brazil. COAF reporting context and CVM overlapping requirements are built into the risk model.
Founding 10 locks $249/mo. Start in the sandbox today — no credit card.
Also: Free sandbox · LATAM coverage · Mexico KYC · Security & Trust