Celcoin website screenshot

Celcoin

Celcoin is a Brazilian Banking-as-a-Service (BaaS) infratech platform that provides REST APIs for Pix, boleto, TED transfers, bill payments, prepaid and post-paid cards, digital account opening, open banking integration, and credit operations. Processing over R$30 billion monthly across 6,000+ clients, Celcoin enables fintechs, digital banks, and enterprises to embed financial services without a banking license.

Celcoin publishes 12 APIs on the APIs.io network, including AnnotationCompetenceCalendar API, BankCorrespondentAgent API, Consignee API, and 9 more. Tagged areas include Banking as a Service, Backend-as-a-Service, Pix, Boleto, and TED.

Celcoin’s developer surface includes authentication, documentation, engineering blog, pricing, code examples, and 14 more developer resources.

37.0/100 thin ▬ flat Agent 30/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
3 APIs
Banking as a ServiceBackend-as-a-ServicePixBoletoTEDBill PaymentsPrepaid CardsDigital AccountsOpen BankingOpen FinanceCreditFintechBrazilFinancial Infrastructure

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/celcoin: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 15

Individual APIs this provider publishes, each with its own machine-readable definition.

Celcoin Card Solutions API

APIs for white-label card account creation and management, card issuance and tracking, transaction simulation, post-paid invoice management, recurring subscriptions, and webhook...

Celcoin Payments API

Embedded payment APIs covering bill payments, mobile recharges, vehicle debit, payment gateway with multi-acquirer support, Pix instant payments, withdrawals and deposits, and P...

Celcoin Open Finance API

Open Finance and Open Banking APIs for Payment Initiation (ITP with and without redirect), account linking with FIDO biometrics, data sharing and consent management, and sweepin...

Celcoin AnnotationCompetenceCalendar API

The AnnotationCompetenceCalendar API from Celcoin — 1 operation(s) for annotationcompetencecalendar.

Celcoin BankCorrespondentAgent API

The BankCorrespondentAgent API from Celcoin — 2 operation(s) for bankcorrespondentagent.

Celcoin Consignee API

The Consignee API from Celcoin — 1 operation(s) for consignee.

Celcoin Files API

The Files API from Celcoin — 1 operation(s) for files.

Celcoin Guarantee API

The Guarantee API from Celcoin — 21 operation(s) for guarantee.

Celcoin LegacyGuarantee API

The LegacyGuarantee API from Celcoin — 1 operation(s) for legacyguarantee.

Celcoin LegalPerson API

The LegalPerson API from Celcoin — 1 operation(s) for legalperson.

Celcoin NaturalPerson API

The NaturalPerson API from Celcoin — 2 operation(s) for naturalperson.

Celcoin OutstandingBalance API

The OutstandingBalance API from Celcoin — 4 operation(s) for outstandingbalance.

Celcoin Proposal API

The Proposal API from Celcoin — 2 operation(s) for proposal.

Celcoin Settlement API

The Settlement API from Celcoin — 2 operation(s) for settlement.

Celcoin TaggingJourney API

The TaggingJourney API from Celcoin — 1 operation(s) for taggingjourney.

Scroll for all 15

Open Collections 13

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Scroll for all 13

Pricing Plans 1

Published pricing tiers and plan structures.

Celcoin Plans Pricing

4 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Celcoin Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Examples 1

Example request and response payloads for these APIs.

Celcoin Examples

1 fields

EXAMPLE

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Celcoin Authentication

apiKey/http · 3 schemes

SECURITY

Celcoin Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Celcoin Agentic Access

45 operations · 31 acting

45 operations · 31 acting

AGENTIC

Resources

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Build 2

SDKs, sample code, and the tooling you integrate with

Access & Security 2

Authentication, authorization, and security posture

Operate 2

Status, limits, changes, and where to get help

Commercial 3

Pricing, plans, and the legal terms of use

Company 3

The organization behind the API

Other 2

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
aid: celcoin
name: Celcoin
description: Celcoin is a Brazilian Banking-as-a-Service (BaaS) infratech platform that provides REST APIs for Pix, boleto,
  TED transfers, bill payments, prepaid and post-paid cards, digital account opening, open banking integration, and credit
  operations. Processing over R$30 billion monthly across 6,000+ clients, Celcoin enables fintechs, digital banks, and enterprises
  to embed financial services without a banking license.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/celcoin.png
url: https://raw.githubusercontent.com/api-evangelist/celcoin/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.23'
type: Index
tags:
- Banking as a Service
- Backend-as-a-Service
- Pix
- Boleto
- TED
- Bill Payments
- Prepaid Cards
- Digital Accounts
- Open Banking
- Open Finance
- Credit
- Fintech
- Brazil
- Financial Infrastructure
tags_raw:
- Banking as a Service
- BaaS
- Pix
- Boleto
- TED
- Bill Payments
- Prepaid Cards
- Digital Accounts
- Open Banking
- Open Finance
- Credit
- Fintech
- Brazil
- Financial Infrastructure
apis:
- aid: celcoin:cards
  name: Celcoin Card Solutions API
  description: APIs for white-label card account creation and management, card issuance and tracking, transaction simulation,
    post-paid invoice management, recurring subscriptions, and webhook-driven card event notifications.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developers.celcoin.com.br/docs
  baseURL: https://api.openfinance.celcoin.com.br/
  tags:
  - Cards
  - Prepaid Cards
  - White Label
  - Payments
  properties:
  - type: Documentation
    url: https://developers.celcoin.com.br/docs
  - type: Reference
    url: https://developers.celcoin.com.br/reference
- aid: celcoin:payments
  name: Celcoin Payments API
  description: Embedded payment APIs covering bill payments, mobile recharges, vehicle debit, payment gateway with multi-acquirer
    support, Pix instant payments, withdrawals and deposits, and Payment Initiation (ITP) under the Brazilian Open Finance
    framework.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developers.celcoin.com.br/docs/pagamento-de-contas-1
  baseURL: https://api.openfinance.celcoin.com.br/
  tags:
  - Payments
  - Bill Payments
  - Pix
  - Recharges
  - Payment Gateway
  properties:
  - type: Documentation
    url: https://developers.celcoin.com.br/docs/pagamento-de-contas-1
  - type: Reference
    url: https://developers.celcoin.com.br/reference
- aid: celcoin:open-finance
  name: Celcoin Open Finance API
  description: Open Finance and Open Banking APIs for Payment Initiation (ITP with and without redirect), account linking
    with FIDO biometrics, data sharing and consent management, and sweeping accounts for intelligent automated transfers.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developers.celcoin.com.br/docs
  baseURL: https://tpp.opb.celcoin.com.br/
  tags:
  - Open Banking
  - Open Finance
  - Payment Initiation
  - Data Sharing
  - Brazil
  properties:
  - type: Documentation
    url: https://developers.celcoin.com.br/docs
  - type: Reference
    url: https://developers.celcoin.com.br/reference
- aid: celcoin:celcoin-annotationcompetencecalendar-api
  name: Celcoin AnnotationCompetenceCalendar API
  description: The AnnotationCompetenceCalendar API from Celcoin — 1 operation(s) for annotationcompetencecalendar.
  humanURL: https://developers.celcoin.com.br/docs/sobre-o-baas
  baseURL: https://api.openfinance.celcoin.com.br/
  tags:
  - AnnotationCompetenceCalendar
  properties:
  - type: OpenAPI
    url: openapi/celcoin-annotationcompetencecalendar-api-openapi.yml
  - type: Documentation
    url: https://developers.celcoin.com.br/docs/sobre-o-baas
  - type: Reference
    url: https://developers.celcoin.com.br/reference/integrando-na-celcoin
  - type: Documentation
    url: https://developers.celcoin.com.br/docs
  - type: Reference
    url: https://developers.celcoin.com.br/reference
- aid: celcoin:celcoin-bankcorrespondentagent-api
  name: Celcoin BankCorrespondentAgent API
  description: The BankCorrespondentAgent API from Celcoin — 2 operation(s) for bankcorrespondentagent.
  humanURL: https://developers.celcoin.com.br/docs/sobre-o-baas
  baseURL: https://api.openfinance.celcoin.com.br/
  tags:
  - BankCorrespondentAgent
  properties:
  - type: OpenAPI
    url: openapi/celcoin-bankcorrespondentagent-api-openapi.yml
  - type: Documentation
    url: https://developers.celcoin.com.br/docs/sobre-o-baas
  - type: Reference
    url: https://developers.celcoin.com.br/reference/integrando-na-celcoin
  - type: Documentation
    url: https://developers.celcoin.com.br/docs
  - type: Reference
    url: https://developers.celcoin.com.br/reference
- aid: celcoin:celcoin-consignee-api
  name: Celcoin Consignee API
  description: The Consignee API from Celcoin — 1 operation(s) for consignee.
  humanURL: https://developers.celcoin.com.br/docs/sobre-o-baas
  baseURL: https://api.openfinance.celcoin.com.br/
  tags:
  - Consignee
  properties:
  - type: OpenAPI
    url: openapi/celcoin-consignee-api-openapi.yml
  - type: Documentation
    url: https://developers.celcoin.com.br/docs/sobre-o-baas
  - type: Reference
    url: https://developers.celcoin.com.br/reference/integrando-na-celcoin
  - type: Documentation
    url: https://developers.celcoin.com.br/docs
  - type: Reference
    url: https://developers.celcoin.com.br/reference
- aid: celcoin:celcoin-files-api
  name: Celcoin Files API
  description: The Files API from Celcoin — 1 operation(s) for files.
  humanURL: https://developers.celcoin.com.br/docs/sobre-o-baas
  baseURL: https://api.openfinance.celcoin.com.br/
  tags:
  - File
  tags_raw:
  - Files
  properties:
  - type: OpenAPI
    url: openapi/celcoin-files-api-openapi.yml
  - type: Documentation
    url: https://developers.celcoin.com.br/docs/sobre-o-baas
  - type: Reference
    url: https://developers.celcoin.com.br/reference/integrando-na-celcoin
  - type: Documentation
    url: https://developers.celcoin.com.br/docs
  - type: Reference
    url: https://developers.celcoin.com.br/reference
- aid: celcoin:celcoin-guarantee-api
  name: Celcoin Guarantee API
  description: The Guarantee API from Celcoin — 21 operation(s) for guarantee.
  humanURL: https://developers.celcoin.com.br/docs/sobre-o-baas
  baseURL: https://api.openfinance.celcoin.com.br/
  tags:
  - Guarantee
  properties:
  - type: OpenAPI
    url: openapi/celcoin-guarantee-api-openapi.yml
  - type: Documentation
    url: https://developers.celcoin.com.br/docs/sobre-o-baas
  - type: Reference
    url: https://developers.celcoin.com.br/reference/integrando-na-celcoin
  - type: Documentation
    url: https://developers.celcoin.com.br/docs
  - type: Reference
    url: https://developers.celcoin.com.br/reference
- aid: celcoin:celcoin-legacyguarantee-api
  name: Celcoin LegacyGuarantee API
  description: The LegacyGuarantee API from Celcoin — 1 operation(s) for legacyguarantee.
  humanURL: https://developers.celcoin.com.br/docs/sobre-o-baas
  baseURL: https://api.openfinance.celcoin.com.br/
  tags:
  - LegacyGuarantee
  properties:
  - type: OpenAPI
    url: openapi/celcoin-legacyguarantee-api-openapi.yml
  - type: Documentation
    url: https://developers.celcoin.com.br/docs/sobre-o-baas
  - type: Reference
    url: https://developers.celcoin.com.br/reference/integrando-na-celcoin
  - type: Documentation
    url: https://developers.celcoin.com.br/docs
  - type: Reference
    url: https://developers.celcoin.com.br/reference
- aid: celcoin:celcoin-legalperson-api
  name: Celcoin LegalPerson API
  description: The LegalPerson API from Celcoin — 1 operation(s) for legalperson.
  humanURL: https://developers.celcoin.com.br/docs/sobre-o-baas
  baseURL: https://api.openfinance.celcoin.com.br/
  tags:
  - LegalPerson
  properties:
  - type: OpenAPI
    url: openapi/celcoin-legalperson-api-openapi.yml
  - type: Documentation
    url: https://developers.celcoin.com.br/docs/sobre-o-baas
  - type: Reference
    url: https://developers.celcoin.com.br/reference/integrando-na-celcoin
  - type: Documentation
    url: https://developers.celcoin.com.br/docs
  - type: Reference
    url: https://developers.celcoin.com.br/reference
- aid: celcoin:celcoin-naturalperson-api
  name: Celcoin NaturalPerson API
  description: The NaturalPerson API from Celcoin — 2 operation(s) for naturalperson.
  humanURL: https://developers.celcoin.com.br/docs/sobre-o-baas
  baseURL: https://api.openfinance.celcoin.com.br/
  tags:
  - NaturalPerson
  properties:
  - type: OpenAPI
    url: openapi/celcoin-naturalperson-api-openapi.yml
  - type: Documentation
    url: https://developers.celcoin.com.br/docs/sobre-o-baas
  - type: Reference
    url: https://developers.celcoin.com.br/reference/integrando-na-celcoin
  - type: Documentation
    url: https://developers.celcoin.com.br/docs
  - type: Reference
    url: https://developers.celcoin.com.br/reference
- aid: celcoin:celcoin-outstandingbalance-api
  name: Celcoin OutstandingBalance API
  description: The OutstandingBalance API from Celcoin — 4 operation(s) for outstandingbalance.
  humanURL: https://developers.celcoin.com.br/docs/sobre-o-baas
  baseURL: https://api.openfinance.celcoin.com.br/
  tags:
  - Outstanding Balance
  tags_raw:
  - OutstandingBalance
  properties:
  - type: OpenAPI
    url: openapi/celcoin-outstandingbalance-api-openapi.yml
  - type: Documentation
    url: https://developers.celcoin.com.br/docs/sobre-o-baas
  - type: Reference
    url: https://developers.celcoin.com.br/reference/integrando-na-celcoin
  - type: Documentation
    url: https://developers.celcoin.com.br/docs
  - type: Reference
    url: https://developers.celcoin.com.br/reference
- aid: celcoin:celcoin-proposal-api
  name: Celcoin Proposal API
  description: The Proposal API from Celcoin — 2 operation(s) for proposal.
  humanURL: https://developers.celcoin.com.br/docs/sobre-o-baas
  baseURL: https://api.openfinance.celcoin.com.br/
  tags:
  - Proposal
  properties:
  - type: OpenAPI
    url: openapi/celcoin-proposal-api-openapi.yml
  - type: Documentation
    url: https://developers.celcoin.com.br/docs/sobre-o-baas
  - type: Reference
    url: https://developers.celcoin.com.br/reference/integrando-na-celcoin
  - type: Documentation
    url: https://developers.celcoin.com.br/docs
  - type: Reference
    url: https://developers.celcoin.com.br/reference
- aid: celcoin:celcoin-settlement-api
  name: Celcoin Settlement API
  description: The Settlement API from Celcoin — 2 operation(s) for settlement.
  humanURL: https://developers.celcoin.com.br/docs/sobre-o-baas
  baseURL: https://api.openfinance.celcoin.com.br/
  tags:
  - Settlement
  properties:
  - type: OpenAPI
    url: openapi/celcoin-settlement-api-openapi.yml
  - type: Documentation
    url: https://developers.celcoin.com.br/docs/sobre-o-baas
  - type: Reference
    url: https://developers.celcoin.com.br/reference/integrando-na-celcoin
  - type: Documentation
    url: https://developers.celcoin.com.br/docs
  - type: Reference
    url: https://developers.celcoin.com.br/reference
- aid: celcoin:celcoin-taggingjourney-api
  name: Celcoin TaggingJourney API
  description: The TaggingJourney API from Celcoin — 1 operation(s) for taggingjourney.
  humanURL: https://developers.celcoin.com.br/docs/sobre-o-baas
  baseURL: https://api.openfinance.celcoin.com.br/
  tags:
  - TaggingJourney
  properties:
  - type: OpenAPI
    url: openapi/celcoin-taggingjourney-api-openapi.yml
  - type: Documentation
    url: https://developers.celcoin.com.br/docs/sobre-o-baas
  - type: Reference
    url: https://developers.celcoin.com.br/reference/integrando-na-celcoin
  - type: Documentation
    url: https://developers.celcoin.com.br/docs
  - type: Reference
    url: https://developers.celcoin.com.br/reference
common:
- type: CapabilityMap
  url: capabilities/celcoin-capability-edges.yml
  name: Celcoin Business Capability Map
- type: AgenticAccess
  url: agentic-access/celcoin-agentic-access.yml
- type: DomainSecurity
  url: security/celcoin-domain-security.yml
- type: Authentication
  url: authentication/celcoin-authentication.yml
- type: Website
  url: https://www.celcoin.com.br/
- type: Documentation
  url: https://developers.celcoin.com.br/docs
- type: Reference
  url: https://developers.celcoin.com.br/reference
- type: GitHubOrg
  url: https://github.com/celcoincell
- type: LinkedIn
  url: https://www.linkedin.com/company/celcoin-financial-hub/
- type: Blog
  url: https://www.celcoin.com.br/articles/
- type: Pricing
  url: https://www.celcoin.com.br/developers/
- type: StatusPage
  url: https://redecelcoin.statuspage.io/
- type: X
  url: https://x.com/celcoinbr
- type: Plans
  url: plans/celcoin-plans-pricing.yml
- type: RateLimits
  url: rate-limits/celcoin-rate-limits.yml
- type: FinOps
  url: finops/celcoin-finops.yml
- type: Vocabulary
  url: vocabulary/celcoin-vocabulary.json
- type: Examples
  url: examples/celcoin-examples.json
- type: JSONLD
  url: json-ld/celcoin-jsonld.json
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this
  • find_providersBrowse and filter every provider in the catalog.
  • get_provider_artifactsEvery artifact this provider publishes, grouped by type.
  • get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
  • get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
  • get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
  • get_provider_ratingPRO — composite, band, trend and facet scores.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

Call it yourself

curl for this page
This provider
curl "https://apis.io/api/v1/providers/celcoin"
All providers
curl "https://apis.io/api/v1/providers?limit=25"
Every operation they expose
curl "https://apis.io/api/v1/providers/celcoin/operations?limit=25"
How their score was established
curl "https://apis.io/api/v1/providers/celcoin/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

A second provider on the same verified email joins the account you already have.