1. Overview

Finner is an ecosystem of intelligence, management and automation for the capital markets. The platform connects originators, asset managers, banks and fund administrators in a single environment — from origination to post-assignment — automating processes, validating 100% of the portfolio and ensuring end-to-end governance and traceability.

• Value proposition: automate processes, validate 100% of your portfolio and operate with end-to-end governance.
• Model: SaaS (Software as a Service) platform for large asset managers, banks and financial institutions.
• Finner is not a bank nor a registrar: it is the intelligence and automation layer that connects and orchestrates the entire capital markets ecosystem.

Legal name: Finner Soluções em Serviços Financeiros Ltda. CNPJ (Tax ID): 55.510.423/0001-55.

2. Platform numbers

• 100% of the portfolio validated — no sampling.
• More than 10 integrations with market participants.
• 5 stages of the journey in a single platform.
• Native compliance with CVM 175.

3. Who it's for (segments)

Sell side (origination and issuance): - Originators — connect to asset managers at scale. - Credit fintechs — validation infrastructure via API. - Securitization companies — structuring and issuance with governance.

Buy side (investment): - FIDCs and asset managers — validate portfolios and ensure the fund's policy. - Banks — end-to-end governance and traceability. - Administrators & Custodians — direct access to certified underlying assets.

4. The operation journey (ecosystem)

1. Origination — Assignor Onboarding (with KYP); Credit Pipeline (coming soon).
2. Pre-assignment — Eligibility Engine (fund policies validated before purchase).
3. Assignment — Veryfinner (underlying-asset certification); Asset Registration (CERC, Núclea and B3); Obligor Notification (coming soon).
4. Post-assignment — Receivables Management; Finner Drive (underlying-asset vault).
5. Servicing — Reconciliation; Collection.

Cross-cutting layers: Finner Flow (automation pipeline) and Finner Gateway (API Management).

5. Products

• Finner Flow — automation pipeline. Connect to the main players, find and share underlying assets securely and create automated approval flows.
• Eligibility Engine — pre-assignment. Validate each assignment against the fund's rules automatically, before purchase.
• Receivables Management — post-assignment. Track portfolio position, maturities and payments, with a detailed view of each asset.
• Finner Drive — underlying-asset vault. Document organization and management with a navigable directory, access control and approval workflow.
• Veryfinner — underlying-asset certification (see section 6).
• Finner Gateway — API Management.

6. Veryfinner — Integrity Passport

Veryfinner replaces sample-based auditing with rigorous technological validation, across 100% of the portfolio. Each certified underlying asset gains an Integrity Passport: a verifiable identity with a certification manifest, a cryptographic hash embedded in the file and a tokenized record on a public network.

• Verifiable identity: the underlying asset carries its own proof; just check the hash.
• Full traceability: every event in the underlying asset's lifecycle is kept in an auditable log.
• Tokenization on a public network: certificates tokenized on a public blockchain (immutability and decentralized verification).
• Simplified logistics: fewer scattered copies, less risk surface and greater adherence to LGPD.

Site: https://www.veryfinner.com.br/

7. Services

• Digital origination — assignor onboarding and KYP at scale.
• Eligibility Engine — fund policy validated before purchase.
• Underlying-asset certification — Veryfinner: 100% of the portfolio certified.
• Registration & integrations — CERC, Núclea and B3 with traceability.
• Receivables management — portfolio position, maturities and flow.
• Reconciliation & collection — complete post-assignment servicing.

8. Integrations

Finner is integrated with the main capital markets players: CERC, Núclea, B3, Vortx, Singulare, Planner, QI Tech, UY3, Giro.Tech, Celcoin and BMP, among registrars, administrators, banks and originators.

Connection types: integration via API (real time) and integration with registrars/administrators.

9. Security, governance and compliance

• Multi-factor authentication (MFA).
• Granular access control: users organized in groups, with micro-managed profiles (least privilege and segregation of duties).
• Detailed and auditable logs of processing, accesses and actions (with author, date/time and context).
• End-to-end traceability of the entire underlying asset's lifecycle.
• Native compliance with CVM 175 and CVM 60; adherence to LGPD.

10. Frequently asked questions (FAQ)

What is Finner? Finner is an ecosystem of intelligence, management and automation for the capital markets. It connects originators, asset managers and fund administrators in a single platform — from origination to post-assignment — automating processes and ensuring end-to-end governance.

What is the Integrity Passport (Veryfinner)? It is Finner's underlying-asset certification. Veryfinner replaces sample-based auditing with technological validation of 100% of the portfolio: each underlying asset receives a verifiable identity, with a cryptographic hash embedded in the file and a tokenized record on a public network.

How does Finner validate 100% of the portfolio? The Eligibility Engine validates each assignment against the fund's rules before purchase, and Veryfinner verifies the documentary integrity and ownership of each asset — without sampling.

Which players does Finner integrate with? CERC, Núclea, B3, Vortx, Singulare, Planner, QI Tech, UY3, Giro.Tech, Celcoin and BMP, among others.

Is Finner compliant with regulation? Yes. Native compliance with CVM 175 and CVM 60, plus adherence to LGPD, with access management, micro-manageable profiles and auditable logs.

How does security and access control work? Multi-factor authentication (MFA) and granular access control: users in groups, with micro-managed profiles of least privilege and segregation of duties.

How do auditing and traceability work? Each processing, access and action is recorded in detailed and auditable logs, with author, date/time and context. The entire underlying asset's lifecycle is traceable end-to-end.

Who is Finner for? For the entire capital markets ecosystem — sell side and buy side: FIDCs and asset managers, banks, originators, credit fintechs, securitization companies and fund administrators/custodians.

How to get started? Schedule a demo with the Finner team. In a few steps your operation starts validating portfolios, automating flows and operating with end-to-end governance and traceability.

11. Company and contact

• Legal name: Finner Soluções em Serviços Financeiros Ltda.
• CNPJ (Tax ID): 55.510.423/0001-55.
• Sales: contato@finner.com.br
• Privacy/Data (DPO): admin@finner.com.br

12. Links and resources

• Institutional site: https://www.finner.com.br
• About: https://www.finner.com.br/sobre
• Privacy Policy and Terms of Use: https://www.finner.com.br/politica-privacidade
• Platform / Login: https://platform.finner.com.br/
• Application: https://app.finner.com.br
• API (Swagger / Developer Portal): https://api.finner.com.br/swagger-ui/index.html
• Veryfinner (underlying-asset certification): https://www.veryfinner.com.br/