# Kobana - Financial Platform with Native AI

## 1. Kobana Overview

### What is Kobana

Kobana is a financial automation and management platform that connects companies to dozens of Brazilian banks through a single API. It is a banking gateway that allows issuing charges, making payments, and tracking statements from all accounts in one place.

**Value proposition:** "We take care of your processes while you take care of your purpose."

**Tagline:** Financial platform with native AI - Banking operations automated by artificial intelligence.

### Platform Numbers

- Over R$ 50 billion in processed transactions
- Over 5 million banking operations per month
- Over 6,000 connected bank accounts
- Over 40 integrated banks

### Who is it for

Kobana serves companies of all sizes that need to automate their financial management:
- SMEs looking to reduce manual work and delinquency
- Medium-sized companies seeking multi-bank integration
- Large companies with high transaction volumes
- Fintechs and platforms that need a white-label solution

Segments served: retail, services, industry, education, healthcare, real estate, and more.

### Kobana is not a bank

Kobana does not replace bank accounts. It is a banking gateway that connects existing accounts in different banks, centralizing management in a single platform. Customers continue using their banks normally, but with the advantage of managing everything in one place.

---

## 2. How It Works

### Three Steps to Get Started

1. **Connect your bank accounts**: Add accounts from any partner bank. Connection is made via API or CNAB files.

2. **Operate via dashboard or API**: Use the panel for visual management or integrate via API to automate processes.

3. **Scale your operation**: Add new accounts, users, and features as the company grows.

### Main Benefits

- **Direct connection with banks**: Native integration with over 40 Brazilian banks, no intermediaries
- **One API, all banks**: Integrate once, operate with any bank through unified API
- **Complete dashboard**: Manage charges, payments, and statements in a single place
- **End-to-end automation**: Billing rules, webhooks, batch imports
- **Brazilian support**: Team available to help with quick responses
- **Security as priority**: Encrypted data, LGPD compliance, robust infrastructure monitored 24/7

---

## 3. Receivables Features

### Registered Bank Slips (Boletos)

Issuance of registered bank slips in over 15 banks with instant registration.

**Features:**
- Issuance via API or dashboard
- Registration via API or CNAB
- Layout and instructions customization
- Interest, penalty, and discount configuration
- Automatic write-off when paid
- Bank slips with or without registration
- Protest instructions
- Payment split
- Configurable portfolios (with/without registration)

**Complete control:**
- Automatic protest instructions after due date
- Credit bureau negativation
- Early payment discount instructions
- Command history per bank slip

### PIX Charges

Generation of dynamic and static QR Codes for instant payments.

**Features:**
- Dynamic QR Code (unique per charge)
- Static QR Code (reusable)
- PIX Copy and Paste
- Charges with due date
- Instant confirmation webhook
- Payments credited immediately

**PIX Integrations:**
- Banco do Brasil, Bradesco, Itau, Santander, Caixa
- Sicoob, Sicredi, Banrisul
- Inter, BTG, ABC Brasil, QI Tech, Semear

### BolePix (Hybrid Bank Slip)

Traditional bank slip with integrated PIX QR Code. The customer chooses how to pay: barcode or instant PIX.

**Features:**
- PIX QR Code on the bank slip
- Two payment methods in one charge
- Automatic write-off regardless of method
- Higher conversion rate

### Automatic PIX

Automatic debit via PIX with prior authorization from the payer.

**Features:**
- Single authorization for recurring charges
- Automatic charge on scheduled date
- Cancellation at any time
- Ideal for subscriptions and monthly fees

### Payment Links

Customizable checkout pages to share on any channel.

**Features:**
- Unique link per charge
- Branded page
- Multiple payment methods
- Sharing via WhatsApp, email, SMS

### Payment Books

Installment charges with automatic bank slip generation.

**Features:**
- Installment creation
- Automatic bank slip generation per installment
- Due date control
- Communication rules per installment

### Communication Rules

Automatic sequence of messages sent to customers at strategic moments.

**Channels:**
- Email
- SMS
- WhatsApp

**Moments:**
- Before due date (reminder)
- On due date
- After due date (collection)
- Payment confirmation

---

## 4. Payments Features

### Bank Slip Payments

Payment of bank slips from any bank directly through the platform.

**Features:**
- Barcode reading
- Automatic data validation
- Payment scheduling
- Batch payments
- Processing via API or dashboard

### PIX Payments

PIX transfers to any key or QR Code.

**Features:**
- Payment by PIX key (CPF, CNPJ, email, phone, random)
- QR Code reading
- PIX Charge payment
- Instant confirmation

### Utility Bill Payments

Payment of utility companies and recurring bills.

**Types:**
- Electricity
- Water
- Gas
- Phone
- Internet

**Features:**
- Automatic barcode reading
- Scheduling
- Batch payments

### Tax Payments

Payment of federal, state, and municipal taxes.

**Supported types:**
- DARF (Federal Revenue Collection Document)
- GPS (Social Security Payment Guide)
- GRU (Federal Collection Guide)
- GARE (State Collection Guide)
- GNRE (National Guide for State Tax Collection)

**Features:**
- Automatic data validation
- Scheduling
- Batch processing

### Batch Payments

Processing of multiple payments simultaneously.

**Features:**
- Import via CSV or CNAB
- Validation of all data before processing
- Error indication for correction
- Batch approval

---

## 5. Transfer Features

### PIX Transfers

Instant transfers 24/7 to any account.

**Features:**
- Transfer by PIX key
- Transfer by bank details
- Instant processing
- Real-time confirmation

### TED Transfers

Transfers between banks during business hours.

**Features:**
- Same-day TED (D+0)
- Scheduling for future dates
- Batch processing
- Bank details validation

### Internal Transfers

Internal movement between accounts connected to Kobana.

**Features:**
- Instant transfer
- No additional cost
- Ideal for multi-company cash management

---

## 6. Financial Management

### Bank Accounts

Centralization of all accounts in a single platform.

**Features:**
- Connection via API or EDI/CNAB
- Unified dashboard
- Consolidated balance view
- Operations on any connected account

### Balances and Statements

Complete visibility of financial movements.

**Features:**
- Automatic statement import
- Complete transaction history
- Real-time balances
- Export in multiple formats (CSV, OFX)

### Bank Reconciliation

Process automation.

**Features:**
- Automatic payment matching
- Divergence identification
- Receivables reconciliation
- Reconciliation reports

### DDA (Direct Debit Authorization)

Receipt and viewing of bank slips issued against the CNPJ.

**Features:**
- Automatic listing of bank slips to pay
- Integration with payment flow
- Centralized approval

### Subaccounts

Segregation of operations by unit, project, or purpose.

**Features:**
- Unlimited subaccount creation
- Independent balances
- Reports per subaccount
- Internal transfers

### User Management

Granular access and permission control.

**Features:**
- Over 340 granular permissions
- Customizable access profiles
- Email invitation
- Audit logs per user

### Customer Portal

Interface for customers to check their charges.

**Features:**
- Customized customer area
- Pending charges query
- Bank slip duplicate
- Payment history

### Exports

Report generation in various formats.

**Formats:**
- CSV
- Excel
- OFX
- CNAB

**Types:**
- Charge reports
- Payment reports
- Statements
- Reconciliation

---

## 7. Solutions by Need

### Accounts Receivable

Complete automation of the receivables cycle.

**Features:**
- Automated charge issuance
- Communication rules
- Automatic payment write-off
- Receivables reconciliation
- Delinquency reports
- Protests and negativation

### Accounts Payable

Centralization and automation of payments.

**Features:**
- Batch payments
- Multi-level approvals
- Scheduling
- ERP integration
- Integrated DDA
- Cash flow reports

---

## 8. Solutions by Company Size

### SMEs (Small and Medium Enterprises)

**Benefits:**
- Reduction of manual work
- Recurring charge automation
- Communication rules to reduce delinquency
- Simple and intuitive dashboard
- Affordable price per transaction

### Enterprise (Large Companies)

**Benefits:**
- High transaction volume
- Custom integrations
- Dedicated SLA
- Priority support
- Multi-company management
- Granular permissions

### Fintechs

**Benefits:**
- White-label available
- Complete API for integration
- Subaccounts for segregation
- Guaranteed scalability
- Sandbox for development

---

## 9. Solutions by Segment

### Retail

- Bank slip and payment book issuance
- Payment links
- Sales reconciliation
- POS integration

### Healthcare

- Recurring charges for plans
- Automated communication rules
- Patient portal
- Hospital system integration

### Education

- Payment books for tuition
- Bank slips with early payment discount
- Student portal
- Academic system integration

### Industry

- Batch supplier payments
- Multiple bank account management
- Automated reconciliation
- Industrial ERP integration

### Real Estate

- Rent charges
- Payment split (administrator/owner)
- Condominium payment books
- Tenant portal

### Services

- Recurring charges
- Payment links per project
- Billing automation
- Management system integration

---

## 10. Bank Integrations

### Banks with Complete Integration (API + EDI)

| Bank | Code | Features |
|------|------|----------|
| Banco do Brasil | 001 | Bank slips, PIX, Payments, Transfers, Statements |
| Bradesco | 237 | Bank slips, PIX, Payments, Transfers, Statements |
| Itau | 341 | Bank slips, PIX, Payments, Transfers, Statements |
| Santander | 033 | Bank slips, PIX, Payments, Transfers, Statements |
| Caixa Economica | 104 | Bank slips, PIX, Payments, Transfers, Statements |
| Sicoob | 756 | Bank slips, PIX, Payments, Transfers, Statements |
| Banrisul | 041 | Bank slips, PIX, Payments, Transfers, Statements |
| ABC Brasil | 246 | Bank slips, PIX, Statements |
| BTG Pactual | 208 | Bank slips, PIX, Statements |
| BV | 655 | Bank slips |

### Credit Unions

| Union | Code | Connection | Features |
|-------|------|------------|----------|
| Sicoob | 756 | API + EDI | Bank slips, PIX, Payments, Transfers, Statements |
| Sicredi | 748 | API + EDI | Bank slips, PIX, Statements |
| Ailos | 085 | API + EDI | Bank slips |
| Cresol | 133 | API + EDI | Bank slips |
| Unicred | 136 | API + EDI | Bank slips |
| Uniprime | 099 | API + EDI | Bank slips |
| Credisis | 097 | EDI | Bank slips |

### Regional Banks

| Bank | Code | Connection | Features |
|------|------|------------|----------|
| Banrisul | 041 | API + EDI | Bank slips, PIX, Payments, Transfers, Statements |
| BRB | 070 | EDI | Bank slips |
| Banco do Nordeste | 004 | EDI | Bank slips |
| Banese | 047 | EDI | Bank slips |
| Banestes | 021 | EDI | Bank slips |

### Digital Banks

| Bank | Code | Connection | Features |
|------|------|------------|----------|
| Inter | 077 | API | PIX, Statements |
| BTG Pactual | 208 | API + EDI | Bank slips, PIX, Statements |
| Cora | 403 | API | Bank slips |
| QI Tech | 329 | API | Bank slips, PIX, Payments, Transfers |
| Semear | 743 | API | Bank slips, PIX |

### Other Banks

Safra, Arbi, Banco Industrial, BNP Paribas, Caruana, Citibank, Daycoval, Mercantil, BMP (Moneyplus), Rendimento, Sofisa - all with EDI integration for bank slips.

### Connection Types

**API Connection:**
- Real-time operations
- Instant bank slip registration
- Immediate payment confirmation
- Ideal for complete automation

**EDI/CNAB Connection:**
- Universal compatibility with any bank
- Automated file sending and receiving
- Ideal for banks without available API
- Batch processing

---

## 11. ERP and System Integrations

### Integrated ERPs

- TOTVS
- SAP
- Omie
- Bling
- Tiny
- ContaAzul

### API Integrations

The API allows connecting any system that supports webhooks or HTTP calls.

### EDI/Mailbox

Integration via CNAB file exchange with banks that do not offer API.

---

## 12. Artificial Intelligence

### Kia - AI Assistant

Kia is Kobana's AI assistant, available as a desktop application for macOS, Windows, and Linux.

**Capabilities:**
- Execution of financial tasks through natural language commands
- Complete contextual access to financial data
- Automation of repetitive operations
- Data analysis and reports

**Usage examples:**
- "List my financial accounts"
- "Pay all overdue bills"
- "Show the balance of all accounts"
- "Generate a delinquency report"

### MCP Servers (Model Context Protocol)

Connection of AI agents directly to the Kobana platform through the MCP protocol.

**Compatible Clients:**
- Claude Desktop
- Claude Code
- ChatGPT Desktop
- Cursor
- VS Code (with MCP extension)
- Windsurf
- Manus
- Perplexity

**Available MCP Servers:**

| Server | npm package | Tools | Description |
|--------|-------------|-------|-------------|
| Admin | kobana-mcp-admin | 17 | Certificate, connection, subaccount, and user management |
| Charge | kobana-mcp-charge | 35 | Pix charges, Pix accounts, automatic Pix, and receivables |
| Payment | kobana-mcp-payment | 24 | Bank slip, Pix, DARF, tax, and utility payments |
| Transfer | kobana-mcp-transfer | 16 | Pix, TED, and internal account transfers |
| Financial | kobana-mcp-financial | 15 | Financial accounts, balances, statements, and transactions |
| Data | kobana-mcp-data | 2 | Bank slip queries by barcode |
| EDI | kobana-mcp-edi | 4 | EDI mailbox management for CNAB files |

**Total:** 113 tools available for AI automation.

**Connection Modes:**
- Local (via npx): Server execution on local machine
- Remote (hosted server): Direct connection to cloud server at mcp.kobana.com.br

---

## 13. Developer Resources

### RESTful API

Well-documented API with standardized endpoints, JSON responses, and semantic HTTP codes.

**Features:**
- OAuth 2.0 authentication with JWT tokens
- Granular permission scopes
- Rate limiting for protection
- Signed webhooks (HMAC-SHA256)

### Webhooks

Real-time notifications about events.

**Available events:**
- Payment confirmed
- Bank slip generated/registered
- Transfer completed
- Charge status changed

**Features:**
- Automatic retry on failure
- HMAC-SHA256 validation
- Delivery logs

### Sandbox

Free test environment identical to production.

**Features:**
- Simulated data without real effect
- Same APIs as production
- Ideal for development and testing
- Available at sandbox.kobana.com.br

### Official SDKs

| Language | Repository | Installation |
|----------|------------|--------------|
| Ruby | github.com/kobana/kobana-ruby | gem install kobana |
| PHP | github.com/kobana/kobana-php | composer require kobana/kobana-php |
| Python | github.com/kobana/kobana-python | pip install kobana |
| Node.js | github.com/kobana/kobana-node | npm install kobana |

### Documentation

Available at developers.kobana.com.br:
- Step-by-step integration guides
- Complete endpoint reference
- Code examples
- Interactive try it out

---

## 14. Security

### Security Metrics

- 99.9% availability
- Less than 15 minutes incident response time
- 2 pentests conducted per year
- Zero data breaches

### Protection Layers

**Encryption:**
- TLS 1.3 in transit with HSTS and Perfect Forward Secrecy
- AES-256 for data at rest
- Keys rotated via HSM
- ICP-Brasil certificates for bank integration (mTLS)

**Infrastructure:**
- Hosted on Amazon Web Services (AWS)
- 24/7 monitoring with SIEM
- Real-time anomaly detection
- Incremental backups with geographic redundancy

**Network Architecture:**
- Segmentation by function and sensitivity level
- Firewalls with strict rules
- WAF (Web Application Firewall)
- DDoS protection

**Access Control:**
- Principle of least privilege
- Mandatory MFA for administrative access
- Corporate SSO
- Quarterly access review

**Backup and Recovery:**
- RPO: Maximum 1 hour data loss
- RTO: Recovery within 4 hours
- Automatic failover
- Quarterly DR tests

### Compliance

- LGPD (General Data Protection Law)
- Clear data collection and use policies
- Data subject rights (access, correction, deletion)
- Designated DPO

### White Hat Program

Reward program for security researchers.

**Rewards:** R$ 500 to R$ 5,000+ depending on severity.

**Rules:**
- Responsible disclosure
- Reports to whitehat@kobana.com.br
- Donations to NGOs receive double rewards

---

## 15. Frequently Asked Questions

### About Registration and Account

**How to create an account:** Access kobana.com.br/cadastro, fill in data (name, email, CNPJ), confirm email. Less than 2 minutes, no credit card required.

**Test before subscribing:** Free sandbox environment available. Trial period for new users.

**Add users:** No user limit. Access profiles with over 340 granular permissions.

**2FA authentication:** Available via Google Authenticator, Authy, or similar.

### About Charges

**Available types:** Registered bank slip, PIX Charge, BolePix, Payment link, Payment books.

**Payment tracking:** Dashboard with status, real-time webhooks, API for queries, exportable reports.

### About Payments

**Available types:** Bank slips from any bank, taxes (DARF, GPS, GRU, GARE, GNRE), utility bills, PIX, TED.

**Scheduling:** Available for all modalities. Cancelable until execution date.

**Batch payments:** Via dashboard (CSV/CNAB import) or API (list in single request).

### About Integrations

**Bank connection:** Via API (faster) or via CNAB/EDI (for any bank).

**Integration time:**
- Dashboard only: Immediate
- Basic API integration: 1-3 days
- Complete integration: 1-2 weeks

### About Pricing

**Pricing model:** Initial setup + monthly fee based on actual usage.

**Setup fee:** None for standard plans.

**Plan change:** Immediate upgrade, downgrade on next cycle. No penalty.

### About Support

**Channels:** Dashboard chat, email (suporte@kobana.com.br), Help Center.

**Hours:** Monday to Friday, 8am to 6pm (Brasilia time). Enterprise customers: Extended SLA.

**Training:** Webinars, video tutorials, documentation. Enterprise: personalized training.

---

## 16. Pricing Model

### Structure

- **Initial setup:** One-time fee to start using the platform
- **Monthly fee:** Based on actual usage (processed transactions)

### Features

- Fixed monthly price
- Volume discounts
- Cancel anytime
- No setup fee for standard plans

### Plan Types

Some plans have a fixed monthly fee + per-transaction fee. Others are 100% usage-based (pay as you go).

---

## 17. Links and Resources

### Platform

- Dashboard: app.kobana.com.br
- API: api.kobana.com.br
- Sandbox: sandbox.kobana.com.br
- MCP Servers: mcp.kobana.com.br

### Documentation

- API Documentation: developers.kobana.com.br
- Help Center: suporte.kobana.com.br
- Status: status.kobana.com.br

### Contact

- Support: suporte@kobana.com.br
- Security: seguranca@kobana.com.br
- White Hat: whitehat@kobana.com.br
- Sales: comercial@kobana.com.br

---

## 18. Customer Testimonials

**Aurelio Schuelter - Area Central:**
"Kobana has a simple-to-integrate API that supports portfolios from various banks, plus the agility in approving each of these portfolios. I recommend it for the good service and support."

**Suellen Malveis - Amaze Travel:**
"Kobana's interface is very didactic and functional. Additionally, the support team is very fast and efficient in service."

**Anderson Rocha - Interis:**
"Kobana has integration with more than 20 banks. Today with our tool integrated with Kobana we have a differentiator for attracting new customers, who can easily issue bank slips directly from our platform."

**Thiago Daher - Protesto 24h:**
"I did several integrations with different systems throughout 2021. Kobana's API was very easy to integrate, it was one of the best I've ever used."

**Gustavo Benites - Porto Vistos:**
"Kobana saves us a lot of time. From generating the bank slip that the customer themselves creates via integration with Typeform to reminding the customer two days before the due date through integrations with Zapier and Drip. Everything is automated! Kobana has an excellent cost-benefit."

**Emerson Henning - Henning Informatica:**
"I recommend Kobana for its simplicity both in API integration and in generating bank slips, subscriptions, and remittance files. Everything is done simply and intuitively, plus it has good cost-benefit."