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In production · SUSEP insurer, bank and fintechs

Your credit decision engine
.

Unifies data, models and decision engine in a single layer, for payroll loans, CLT, surety bonds and business credit.

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Five verticals

Five portfolios, one single layer.

Payroll loans, CLT, Surety Bond, Business Credit and Risk. Same engine. What changes is the policy, the signals and the bureaus.

01 / 05Payroll Loan
01 · PAYROLL LOAN

Payroll Loan (Individuals)

Origination at scale via correspondents or app, real-time margin control, integration with INSS, SIAPE and private agreements. Sub-second decision.

Crossed signals
  • Native agreements
  • Real-time margin
  • Sub-second decision
Regulations covered
Resolução CMN 4.893BACEN SCRLei 12.414 (Cadastro Positivo)LGPD
Workflow builder

You compose the pipeline as a flow.

Each signal becomes a step that writes to the same dossier. Chain identity, bureaus, Open Finance, balance sheet and policy in your portfolio order, then branch the outcomes. No code.

Differentials

Why VAAS, not another engine.

Not a bureau, not a spreadsheet, not a POC. Decision infrastructure in production, with an auditable trail and a model calibrated for Brazil.

Models calibrated for Brazil

eSocial, Cadastro Positivo, Open Finance, local signals. Not a generic imported bureau.

  • eSocialemployment · margin
  • Cadastro Positivoscore · history
  • Open Financestatements · flow
  • SUSEP · BCBlicenses · regulatory
40+
native sources integrated, ready for the decision engine

Live in a regulated environment

SUSEP insurer, BCB bank, multi-vertical fintech. Real volume, sensitive data, end-to-end auditable trail, ready for BCB, SUSEP and external audit.

Fator Seguradora
Surety Bond · SUSEP
live
Banco BV
Business Credit · BCB
live
Creditas
9 verticals · multi-stack
live

100% AI balance sheet analysis

From 45 to 7 minutes per analysis. Accuracy above 95% for BP, DRE and DFC.

BALANCE SHEET 2024
Current ratio1.84
Leverage42%
98.5% accuracy
Savings calculator

How much your credit operation can save.

Simulate the cost-reduction potential of your desk with AI in seconds. No sign-up.

Your operation today
With VAAS
Estimated monthly savings
R$0
Current monthly costR$0/mo
Annual savingsR$0

Estimates based on VAAS client benchmarks. Actual results depend on volume, policy and product mix.

Free resource

Case study: credit policy from scratch

How a credit operation built its decision platform from zero. Portfolios, bureaus, rules and desk in 90 days.

  • From origination to limit: the full pipeline
  • Portfolios, bureaus and rules in 90 days
  • Decision Desk with AI-ready opinion
  • Real approval and default metrics
Download case study
Credit policy case study cover. VAAS
Real cases · credit in production

Credit teams that approve at scale already use VAAS.

SUSEP insurer, BACEN bank, multi-vertical fintech. Real volume, sensitive data, regulated environment.

Before, each balance sheet analysis to issue a surety bond policy took 45 minutes of our team's time. Today, with VAAS, it takes 7 minutes with 95%+ extraction accuracy. We grew the portfolio without doubling the underwriting team.
Underwriting DirectorInsurer · Top SUSEP market
Testimonial 01 / 05
  • Insurer · Surety BondUnderwriting Director
  • Bank · Business CreditHead of Risk
  • Fintech · 9 verticalsChief Credit Officer
  • Fintech · Payroll CLTCredit Policy Manager
  • Bank · Payroll INSSHead of Origination
Also explore

Five modules, one decision engine.

One flow from data intake to continuous monitoring. Explore the other platform modules.

Workflows

Orchestrate data, rules, AI agents and the desk in auditable flows. No deploy for every new rule.

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Artificial Intelligence

Agents read the dossier, vote alongside the analyst and justify every decision.

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Decision Desk

Queue, authority, dossier and committee in one screen. Human and AI decide together.

Explore

Risk Hub

Continuous monitoring of people and companies. Automatic re-analysis when something changes.

Explore

Datahub

+40 integrated bureaus, normalized into typed and auditable variables.

Explore
Want to see it in action?

Decide in seconds,
start with a meeting.

In 15 minutes we show how VAAS works in your scenario, with your rules, your data, your volume.

Learn about the platform