# Efí

**Canonical:** https://apis.io/providers/efi-bank/  
**Website:** https://sejaefi.com.br  
**APIs profiled:** 7

Efí (formerly Gerencianet) is a Brazilian payment institution and digital bank that exposes well-documented public REST APIs for the Brazilian financial system - Pix (immediate and dated charges, send/receive, refunds, webhooks), Boletos and Charges (Cobranças), Carnê installment booklets, subscriptions and payment links, Pix via Open Finance, and account financial services. Pix and Open Finance APIs require OAuth2 client-credentials plus a mutual TLS (mTLS) client certificate as mandated by the Brazilian Central Bank; the Cobranças API uses OAuth2 without mTLS.

## Kin Score — 35.5 / 100 (thin)

Scored 2026-08-24 under rubric 0.13.0. Trend: flat (-0.4 from 35.9).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 56.9 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 21.4 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Banking & Open Finance**: 15.2 (matched via tags).

## Agent readiness — 24.4 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | negotiable |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (7)

- **Efí Authorization API** — OAuth2 client-credentials token endpoints (per host).
- **Efí Carnê API** — Installment booklets. Host cobrancas.api.efipay.com.br, no mTLS.
- **Efí Cobranças API** — Boleto / card / Pix charges. Host cobrancas.api.efipay.com.br, no mTLS.
- **Efí Open Finance API** — Pix payment initiation via Open Finance. Host openfinance.api.efipay.com.br, mTLS required.
- **Efí Pix Charges API** — Immediate (cob) and dated (cobv) Pix charges and payload locations. Host pix.api.efipay.com.br, mTLS required.
- **Efí Pix Payments API** — Received Pix, sent Pix, and refunds. Host pix.api.efipay.com.br, mTLS required.
- **Efí Pix Webhooks API** — Webhook registration for received-Pix notifications. Host pix.api.efipay.com.br, mTLS required.

## Agentic access (1)

- **Efi Bank Agentic Access** — 34 operations · 22 acting

## Security (2)

- **Efi Bank Authentication** — oauth2/mutualTLS · 2 schemes
- **Efi Bank Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Efi Bank Plans Pricing**

## Tags

Payments, Pix, Boleto, Banking, Brazil, Latin America, Charges, Digital Account, Financial Infrastructure, Fintech

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/efi-bank/). Scores are computed from the provider's own public artifacts under a published rubric.