Circular 004/2024 — Compliance deadline active

The compliance backbone of open finance in Latam

Integrate in hours, not months. Automate regulatory compliance. Connect to the SFC ecosystem with certified APIs.

Book a demo See how it works

★★★★★4.9

50+ institutions

Compliance Status

SFC Dashboard

Live

API Layer

Certified

FAPI 2.0 Active

Active

SFC Registry

Synced

Consent Engine

Compliant

Circular 004/202498%

✓ Audit ready

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Trusted by leading financial institutions

Bancolombia

SURA

Davivienda

Protección

GNB Sudameris

Skandia

Bancolombia

SURA

Davivienda

Protección

GNB Sudameris

Skandia

The Problem

Open finance compliance is complex, risky, and expensive

Technical Complexity

APIs require OAuth 2.0, FAPI 2.0, ISO 20022. Building from scratch takes 6–18 months and costs $200K+

Regulatory Risk

Circular 004/2024 has active deadlines with severe fines. CCOs lack tools to monitor compliance in real time.

Talent Scarcity

Nobody combines regulatory expertise + financial API engineering. Hiring the right team costs $300K+/year.

The Solution

4 pillars to power your open finance infrastructure

REST + GraphQL

API Layer

Pre-built certified APIs ready to connect in days. SLA 99.9% uptime guaranteed.

Real-time

Compliance Dashboard

Real-time regulatory status. Zero manual effort. Automatic SFC alerts.

LGPD / Ley 1266

Consent Engine

OAuth 2.0 + PKCE flows that comply with Laws 1266 and 1581 automatically.

Auto-sync

SFC Directory Manager

Guided SFC inscription without friction or errors. Automatic sync of changes.

How It Works

Live in 30 days, not 18 months

Connect your core

Integrate your banking or insurance core with our certified API Layer in days, not months.

Avg. 3 days to first API call

Automate compliance

Your compliance dashboard monitors SFC requirements in real time. Zero manual work.

100% automated monitoring

Scale across Latam

Expand to Mexico and Latam with the same infrastructure, already configured for each market.

Colombia → Mexico → Latam

Regulatory Urgency

Circular 004/2024 is active. Are you ready?

Your deadline is now. Every month without compliance = risk of fines.

2023Completed

Rules & actors defined

You are here

2024In progress

Technical API standards

2025–26Next

Comparison & aggregation

2026+Future

Full financial portability

Get compliant today

Implementation starts within 48 hours

Pricing

Transparent pricing. No surprises.

MonthlyAnnual

STARTER

Fintechs & Startups

$1,500/mo

1 country
Core API Layer
Basic compliance dashboard
Email support
Sandbox access

GROWTH

Insurers & Brokers

$3,000/mo

2 countries
Full API Layer
Advanced compliance dashboard
Priority support
SFC Directory Manager
Consent Engine

ENTERPRISE

Banks & Large Insurers

$5,000+/mo

Multi-country
Premium SLA 99.9%
Dedicated CSM
Custom reports
mTLS + FAPI 2.0
Dedicated infrastructure

$30K

Avg ACV

18x

LTV / CAC

< 3 mo

Payback

< 10%

Churn target

FAQ

Frequently asked questions

Opensurix is the compliance backbone for open finance and open insurance in Latam. We provide the API infrastructure, compliance dashboard, consent engine, and SFC directory management so banks, insurers, and fintechs can meet regulatory requirements without building everything from scratch.

Ready to power your open finance infrastructure?

Join 50+ financial institutions already compliant with Circular 004/2024