en.Wedoany.com Reported - Brazilian open finance infrastructure fintech Iniciador has announced the launch of the world's first agent payment solution based on the instant payment system Pix. The solution leverages two key infrastructures of the Brazilian Central Bank—Pix and Open Finance—allowing intelligent agents to automatically initiate and complete fund transfers between different accounts, with both payer and payee receiving notifications simultaneously.
With advances in artificial intelligence technology, intelligent agents that automatically optimize investments based on user goals, switch suppliers when market prices change, or make automatic purchases based on refrigerator inventory are becoming a reality. This trend is driving payment giants like Visa and Mastercard, as well as the stablecoin market, to race to connect AI models with payment methods. Gustavo Bresler, CPO and co-founder of Iniciador, stated that funds can be transferred from any account to any account, regardless of the bank, with both parties receiving notifications.
In this solution, Pix handles instant settlement, while Open Finance authorizes institutions to initiate transactions from digital scenarios outside of banking applications. With its payment transaction initiation license, Iniciador can connect different institutions, supporting transaction initiation within interfaces such as e-commerce platforms or food delivery apps. The company had previously developed Pix proximity payments and Smart Pix, the latter allowing users to set automatic transfer rules.
Founded in late 2021, Iniciador leads in the number of payment initiation-related API calls in Brazil. Data from the Brazilian Central Bank shows that over the past three months, the company recorded 283 million calls, surpassing Google Pay Brasil's 162.3 million and Nubank's 112.3 million. In 2025, the company's revenue reached 10 million reais, four times that of the previous year. The company raised $6 million in its first institutional funding round last year, led by Valor Capital, and subsequently received investment from Prosus.
The new frontier of growth now lies in connecting this architecture with AI agents. Bresler pointed out that in credit card-based schemes, merchants must wait weeks to receive payments or pay upfront fees; solutions based on cryptocurrencies and stablecoins still rely on the tokenization of deposits. Pix, however, is already directly connected to all banks in Brazil, effectively tokenizing the nation's deposits. Pix's progress in the commercial sector also confirms this. According to the Global Payments Report, in 2025, Pix accounted for 42% of e-commerce transaction volume in Brazil, surpassing credit cards at 40%; in physical stores, it accounted for 34%, exceeding credit cards at 31%. Bresler stated that the beginning of agent-driven e-commerce and agent banking services has arrived. Instead of entering a specific marketplace to compare products, users can now complete operations directly on platforms like ChatGPT, Claude, or Gemini, as these have become the places where users inquire about the best options.
Iniciador's positioning is to sell this solution to banks, payment institutions, acquirers, sub-acquirers, and digital platforms. Bresler stated that the company does not create AI agents but provides the technology and regulatory layer that enables agents to initiate payments via Pix. This model is intended to help financial institutions avoid handling operational tasks such as system maintenance, updates, and integration within Open Finance. The company can not only handle all repetitive maintenance—the most burdensome work in Open Finance—but also help institutions unlock the thousands of possibilities of Open Finance within their products. By integrating with AI agents, Iniciador aims to free financial institutions from technical work, allowing them to focus on new product development. The company's clients include Stone, PagBank, iFood, CloudWalk, Banco Genial, Wise, Caju, Núclea, Nomad, and Vindi.
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