Blip cred
Credit performance at scale, powered by AI.
Automate the entire credit journey on WhatsApp – from opportunity to signature – with bank-grade security.
-90%
in time from lead to contract
+50%
conversion with AI specialized in credit
24h
hours of opportunities, every day
A BRAND NEW CREDIT OPERATION
Blip Cred: Conversational AI that sells credit around the clock on WhatsApp.
Integrated with your institution’s APIs, Blip Cred verifies eligibility, simulates offers, negotiates terms, and completes contracts without increasing operational workload.
Your bank keeps full control of the rules.
The AI executes within the limits defined by your credit engine.
100% Self-Service via WhatsApp
One simple conversation. Seven stages powered by specialized AI Agents.
01
Demand
Campaigns and CRM
02
Onboarding
Identification
03
Elegibility
Credit availability and offer
04
Negotiation
Terms and conditions
05
Registration
Customer information
and documents
06
Signature
Contract execution
07
Post-sale
Status updates and
ongoing relationship
Status updates and
ongoing relationship
Blip Cred enables an Orchestrator Agent to coordinate AI agents trained to manage every stage of the credit journey.
Payroll loans (CLT employees)
Payroll loans (INSS beneficiaries)
Payroll loans (SIAPE employees)
Payroll loans (Armed Forces personnel)
Credit cards
Government payroll loans
Personal loans (EP Clean)
Payroll advance
FGTS advance
Vehicle-secured loans
Vehicle financing
CONVERSATION ENGINE
A simple customer experience powered by unmatched governed AI behind the scenes.
Every layer combines autonomy, banking rules, integrations and observability.
First layer
Second layer
Third layer
Fourth layer
Fifth layer
Natural, seamless conversations on WhatsApp
Customers can simulate, negotiate, and apply for credit without leaving the app, filling out forms, or calling a contact center.
Orchestrator Agent
Understands customer intent and routes every interaction to the most appropriate specialized agent.
Specialized AI Agents
Each stage is handled by a dedicated agent, enabling multiple credit applications to run simultaneously.
Connects AI to banking systems with enterprise-grade control and security
Tool Governance
Each agent has access only to the tools required for its specific task.
Hallucination-Free Decisions
Calculations and processes strictly follow the business rules defined by the financial institution.
White-Label Scalability
Fast and secure deployment for new banks and partners.
Vendor-Agnostic Gateway
Integrates Blip Cred with different banking systems.
Strategic Partnerships
Connects brands and financial institutions to launch new credit offerings.
Performance Dashboard
Monitors the customer journey in real time while continuously optimizing AI agents, conversion rates, and customer experience.
BANCO ARBI
From human-driven to automated scale.
Banco Arbi managed payroll loans through a traditional model that relied entirely on human agents during business hours.
After implementing Blip Cred, a new layer of opportunity emerged: demand that was previously lost due to limited availability began to be captured and converted automatically.
REAL-TIME VISIBILITY
Performance data for continuous operational optimization.
Production monitoring
Track customers, offers, lead sources and values at every stage in real time. Monitor approved amounts, completed contracts and daily production trends.
Credit pipeline management
View applications by review time and receive alerts for stalled contracts.
Configuration and governance
Configure rules, integrations and workflows while maintaining control over operational policies.
Performance Desk
Our specialists analyze bottlenecks and recommend ongoing improvements to increase conversion.
Performance Desk
Monitors the customer journey in real time and continuously optimizes AI agents, conversion rates and customer experience.
PERFORMANCE PARTNER
Pricing built around your success.
Our model is success-based (conversion), aligning our incentives with your results. We don't charge for the technology itself. We succeed when your bank succeeds.
01
No-cost setup
No implementation fee to launch your operation.
02
Minimum monthly fee
Provides contractual predictability whenever the success fee does not reach the minimum amount.
03
Success fee
A percentage applied to contracts with completed loan disbursement.
04
Source-based pricing matrix
Monthly rates are determined by eligibility and conversion performance.
END-TO-END BANK-GRADE SECURITY
A white-label solution featuring banking-grade encryption and full compliance with LGPD.
Integrated with your institution’s APIs, Blip Cred verifies eligibility, simulates offers, negotiates terms, and completes contracts without increasing operational workload.
Core banking integration
All business decisions remain connected to your institution’s core banking system. Blip Cred does not store, interpret or modify your bank's risk models. It operates strictly within the limits your institution defines.
01
ISO 27001
Certified since 2022.
02
BitSight 790
#1 in the conversational technology sector and among the top 5% worldwide.
03
AES-256
Data encrypted both in transit and at rest.
04
Isolated data
Dedicated containers for each institution.
05
DLP 24/7
Continuous monitoring against data loss.
FAQ
Frequently Asked Questions
We have gathered here the most common questions from our customers to make your experience easier.
NEXT STEP
Ready to turn what the market is saying into decisions that move your business forward?
See the platform in action or speak with a specialist about your industry.