Open Finance in Brazil gave credit teams what they wanted: direct access to income, balances, and financial behavior. The data clearly is there - but accessing data is different from using it, right? The thing is that data arrives in the standard Open Finance format, built for interoperability, not for credit decisions. Before your model reads a single signal, your team has to aggregate fields, filter transactions, and calculate ratios.. That's a lot of technical work just to get started. And the question that should be "how do we improve our credit models?" ends up becoming "who's going to build the whole data structure?".
We built Custom Insights after watching this bottleneck happen again and again. Sitting down with credit teams, listening to how they actually use data day to day, one thing became extra clear to us: the problem has always been the work of turning data into decisions. So, we decided to do that work for you!
What a Custom INSIGHT is
A Custom Insight is a dedicated API that Belvo builds to solve a specific problem for your team. It isn't a document, a file, or a dashboard. Your system makes the call and gets back a response with the dataset already prepared for that use case.
What changes is the starting point. We start from the problem you need to solve and build the insight around it, so you don't have to dig through hundreds of Open Finance fields on your own.
If the problem is approving more credit, Belvo selects the right sources, calculates the variables your model uses to decide, and delivers everything in the format your system already reads. If the problem is measuring risk over time, we build an Insight that follows the account, monitors the data that matters for that signal, and returns the result ready for your risk model to consume.
Behind the call, the Insight pulls data from several endpoints at once and calculates the metrics before responding. The response arrives with filters, groupings, averages, ratios, and custom scores, already using the names your model expects. You don't have to rewrite anything on your side.
You get fresh data with every call, and it costs the same as a standard Open Finance call.
You define, Belvo builds
It all starts with a conversation. Belvo sits down with your team, understands the problem you need to solve, and looks at the model you already use. From there, we assemble the fields, choose the endpoints, and adapt every name and every calculation to your schema. Instead of you molding to the API, the API molds to you. That's what makes the first use so simple.
What your INSIGHT can do
An Insight brings together several Open Finance sources, such as income, transactions, and accounts, in a single response. Within that Insight, you can create custom fields that:
- Group and average data across accounts
- Calculate the debt-to-income ratio
- Return binary flags, like an alert for gambling transactions
- And more!
- Deliver custom scores straight to your model
You can map the exact variables your model uses in an afternoon and, soon after, run your first decision with real data.
Built for data teams that lack the structure to use their data
Custom Insights are built for credit and risk teams at digital lenders, fintechs, and financial institutions that already have an approved Open Finance integration but haven't yet turned that data into an active credit input.
If the connection works and the data is coming in, but your model still decides with bureau data because that structure was never built, this is the shortcut that skips that step.
Map your first custom INSIGHT today
If you want your model reading Open Finance data sooner, book a scoping session. Bring your model's variables and we'll map your first insight together!
Start using Open Finance data without the complexity. Custom Insights deliver the exact variables you need, tailored to your use case, in a single call.
