Startups
A fintech, insurtech or regtech that cannot get a test environment because it has no bank, and cannot get a bank because it has no working flow. Free for open programmes, interns and the Championship.
Who it is for
Six audiences, and what each one comes here for. The seats offered to the regulators are built and enforced - a seat is not an agreement, and none exists.
Who it is for
Banks and electronic-payment entities
Certification runs against the simulated SGPI, ahead of a system in which they will be mandatory participants — and a private lane where their own vendors and startups arrive already certified.
Acquirers and sub-acquirers
Authorization, clearing, settlement and chargeback cycles exercised against card processors and banks at once, instead of one integration at a time.
Insurers and brokers
Quote, bind, premium and claim wired to real payment rails — and embedded insurance tested where it actually sits, on a loan or a transfer.
Regulators
The Banco Central and the Superintendencia de Bancos hold a seat now — the regulator seats are built and enforced: their instructivos, their reading of the rules, their scenarios. The vigilancia function is the natural interlocutor.
Academia
Reproducible runs, published message contracts and rule catalogues, and synthetic data with nothing personal in it to protect.