Serasa CPF score and Limpa Nome APIs

Serasa Experian · Lending

Serasa: Consulta CPF e Score is Serasa Experian's Brazil consumer-bureau app for CPF lookup, Serasa Score, Limpa Nome debt negotiation, credit monitoring, a Pix wallet and bills-to-pay, score lock/unlock, and Serasa Extract (the LGPD personal-data report). The Android home surfaces the score card, lock-unlock, debts to settle, credit-area offers, wallet/Pix keys, dark-web alerts and the extract request. It competes with Boa Vista SCPC, Quod and the score widgets inside Nubank, Itaú, Santander and Caixa apps for Brazilians who want a bureau score and a place to settle overdue debts without calling each creditor. Sign-in uses the CPF with a password or a stored biometric login, with optional remember-me.

Bureau score readings land in score as a numeric value with a status label, and the lock-status payload pairs that number with isPremium and autoLockUnlock, whose isLocked flag says whether the consumer has hidden the score from lenders. Limpa Nome debt offers carry offerId, contractHash, debtType, discountPercentage and discountValue; offer details add debtOrigin and companyInformation, and settled deals reappear as agreementId with agreementStatus. The bureau summary buckets negativatedDebts, bankruptcies, badChecks, protests and lawSuits, each debt keyed by contractNumber, occurrenceDate and value, and the whole report is stamped with an authenticityCode. CPF identity is cpf, ppid, birthDate and cellphone; wallet cash is balance.total beside Pix hasKeys and transactionsByMonth. Monitoring adds alertSend, the watched companies items and a dark-web status card, while the credit area mints a redirectUrl that hands the signed-in consumer to a partner checkout.

Collection desks, credit-marketplace partners, debt-settlement ERPs and identity-monitoring stacks consume these fields to pause underwriting on a locked score, reconcile instalments against creditor ledgers and flag new bureau or dark-web hits the same day. openData Studio turns them into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Mint biometric login token

POST /v1/consumer/auth/biometric-exchange osint

Exchanges the CPF plus a stored biometricToken (or password) for the token, sessionToken and utToken used as Bearer credentials on later consumer calls.

Auth: Unauthenticated JSON body. The returned token, sessionToken and utToken become the Bearer credential on later consumer calls.

cpf
isRemember
password
biometricToken
prefSe
prefSe2
event
requestToken
id
otp
token
utToken
validAt
sessionToken
persistentToken
name
email
cellphone
loa
status
type
needsReconfirm
tokenEligible
userData

POST /v1/consumer/auth/biometric-exchange HTTP/1.1
Content-Type: application/json

{
  "cpf": "12345678901",
  "isRemember": true,
  "password": null,
  "biometricToken": "<biometric-token>",
  "prefSe": "android",
  "prefSe2": "9.100.1",
  "event": "login",
  "requestToken": "<request-token>"
}

{
  "id": "usr-4412",
  "otp": false,
  "token": "<jwt>",
  "utToken": "ut_7c2a",
  "validAt": "2026-10-17T18:30:00Z",
  "sessionToken": "sess_aa11",
  "persistentToken": "pt_bb22",
  "cpf": "12345678901",
  "name": "Maria Silva",
  "email": "[email protected]",
  "cellphone": "11987654321",
  "loa": 2,
  "status": "ACTIVE",
  "type": "PF",
  "needsReconfirm": false,
  "tokenEligible": true,
  "userData": {
    "id": "usr-4412"
  }
}

Read signed-in session

GET /v1/consumer/identity/current osint

Returns the signed-in identity (id, cpf, name, email, cellphone, birth_date) for the current token.

Auth: Bearer token from the sign-in exchange.

id
email
cellphone
cpf
name
birth_date
accepted_terms
cellphone_verified_at

GET /v1/consumer/identity/current HTTP/1.1
Authorization: Bearer <access-token>

{
  "id": "usr-4412",
  "email": "[email protected]",
  "cellphone": "11987654321",
  "cpf": "12345678901",
  "name": "Maria Silva",
  "birth_date": "1990-03-12",
  "accepted_terms": "2026-01-15T12:00:00Z",
  "cellphone_verified_at": "2026-02-01T09:14:00Z"
}

Retrieve consumer profile

GET /v1/consumer/identity/profile osint

Loads the consumer profile after sign-in: identity (id, ppid, cpf, name, email, cellphone) plus loa, sessionId and the ewallet and bills-to-pay opt-in flags.

Auth: Bearer token from the sign-in exchange.

id
ppid
cpf
name
firstName
initials
email
cellphone
birthDate
loa
sessionId
token
transactionId
billsToPayUserOptIn
billsToPayDdaAuthorizePartner
ewallet
picture
kba
subscription
settings

GET /v1/consumer/identity/profile HTTP/1.1
Authorization: Bearer <access-token>

{
  "id": "usr-4412",
  "ppid": "pp-10028441",
  "cpf": "12345678901",
  "name": "Maria Silva",
  "firstName": "Maria",
  "initials": "MS",
  "email": "[email protected]",
  "cellphone": "11987654321",
  "birthDate": "1990-03-12",
  "loa": 2,
  "sessionId": "sess_aa11",
  "token": "<jwt>",
  "transactionId": "txn-7c2a",
  "billsToPayUserOptIn": true,
  "billsToPayDdaAuthorizePartner": false,
  "ewallet": {
    "enabled": true
  }
}

Score lock-unlock resume

GET /v1/consumer/score/lock-status openfinance

Returns the score-lock home: the score value with its status label, isPremium, autoLockUnlock.isLocked and the vipCard block.

Auth: Bearer token from the sign-in exchange.

title
isPremium
score
value
status
details
autoLockUnlock
isLocked
icon
description
processingIcon
processingDescription
faqResume
vipCard

GET /v1/consumer/score/lock-status HTTP/1.1
Authorization: Bearer <access-token>

{
  "title": "Serasa Score",
  "isPremium": false,
  "score": {
    "value": 734,
    "status": {
      "label": "GOOD"
    },
    "details": {
      "model": "serasa-score"
    }
  },
  "status": {
    "label": "UNLOCKED"
  },
  "autoLockUnlock": {
    "icon": "lock",
    "isLocked": false,
    "description": "Score visivel para o mercado",
    "processingIcon": "hourglass",
    "processingDescription": "Atualizando"
  },
  "faqResume": {
    "items": []
  },
  "vipCard": {
    "visible": false
  }
}

Wallet resume

GET /v1/consumer/wallet/summary openbanking

Reads the in-app wallet home: balance.total and the saved creditCards.

Auth: Bearer token from the sign-in exchange.

balance
total
creditCards

GET /v1/consumer/wallet/summary HTTP/1.1
Authorization: Bearer <access-token>

{
  "balance": {
    "total": 128.45
  },
  "creditCards": {
    "items": [
      {
        "idCreditCard": "cc-4412",
        "brand": "mastercard"
      }
    ]
  }
}

List Pix keys
GET /v1/consumer/wallet/pix-keys openbanking
Lists the registered Pix keys as hasKeys plus each key's id and key value.
Auth: Bearer token from the sign-in exchange.
- hasKeys
- key
- id
```
GET /v1/consumer/wallet/pix-keys HTTP/1.1
Authorization: Bearer <access-token>
```
```
{
  "hasKeys": true,
  "key": {
    "id": "pix-7c2a",
    "key": "12345678901"
  }
}
```

Pix cash-in extract

GET /v1/consumer/wallet/pix-ledger openbanking

Returns the Pix cash-in ledger as transactionsByMonth plus the running balance.

Auth: Bearer token from the sign-in exchange.

transactionsByMonth
balance

GET /v1/consumer/wallet/pix-ledger HTTP/1.1
Authorization: Bearer <access-token>

{
  "balance": 128.45,
  "transactionsByMonth": [
    {
      "month": "2026-10",
      "items": [
        {
          "amount": 50.0,
          "type": "CASHIN"
        }
      ]
    }
  ]
}

List Limpa Nome debt offers

GET /v1/consumer/debt-offers openfinance

Lists Limpa Nome offer rows with offerId, contractHash and the card's discountPercentage, discountValue and debtType.

Auth: Bearer token from the sign-in exchange. Optional query selects the offer context.

message
status
data
offers
offerId
contractHash
card
tags
debtType
offerType
hasInstallments
discountPercentage
discountValue
isCart
isEligibleCart
recommended
footer
consolidationCard
cartDataOffersResponse
otherOffersResponse

GET /v1/consumer/debt-offers HTTP/1.1
Authorization: Bearer <access-token>

{
  "message": "OK",
  "status": 200,
  "data": {
    "offers": [
      {
        "offerId": "off-9c10",
        "contractHash": "ch_aa11",
        "card": {
          "tags": ["discount"],
          "debtType": "NEGATIVATED",
          "offerType": "INSTALLMENT",
          "hasInstallments": true,
          "discountPercentage": 40.0,
          "discountValue": 800.0,
          "isCart": false,
          "isEligibleCart": true
        }
      }
    ],
    "recommended": [],
    "footer": {},
    "consolidationCard": {},
    "cartDataOffersResponse": {},
    "otherOffersResponse": {}
  }
}

Debt offer details

GET /v1/consumer/debt-offers/{offerId} openfinance

Loads one debt offer by offerId: id, debtType, offerType, debtOrigin and the creditor's companyInformation (partner, title).

Auth: Bearer token from the sign-in exchange.

message
status
data
id
header
debtType
offerType
debtOrigin
companyInformation
title
subtitle
debtDisclaimer
partner
details

GET /v1/consumer/debt-offers/off-9c10 HTTP/1.1
Authorization: Bearer <access-token>

{
  "message": "OK",
  "status": 200,
  "data": {
    "id": "off-9c10",
    "header": "Negocie com o credor",
    "debtType": "NEGATIVATED",
    "offerType": "INSTALLMENT",
    "debtOrigin": "SPC",
    "companyInformation": {
      "title": "Loja Exemplo",
      "subtitle": "CNPJ 00.000.000/0001-00",
      "debtDisclaimer": "Valores sujeitos a atualizacao",
      "partner": "lno",
      "details": []
    }
  }
}

List debt agreements

GET /v1/consumer/debt-agreements openfinance

Returns agreement sections with agreementId, cartId, consolidationId and agreementStatus for settled Limpa Nome deals.

Auth: Bearer token from the sign-in exchange.

message
status
data
emptyState
agreementList
section
title
description
list
agreementId
cartId
consolidationId
image
agreementStatus

GET /v1/consumer/debt-agreements HTTP/1.1
Authorization: Bearer <access-token>

{
  "message": "OK",
  "status": 200,
  "data": {
    "emptyState": null,
    "agreementList": [
      {
        "section": "ACTIVE",
        "title": "Acordos vigentes",
        "description": "Parcelas em dia",
        "list": [
          {
            "agreementId": "agr-4412",
            "cartId": null,
            "consolidationId": null,
            "image": "https://cdn.example/partner.png",
            "description": "Loja Exemplo",
            "agreementStatus": "ACTIVE"
          }
        ]
      }
    ]
  }
}

Serasa Extract report

GET /v1/consumer/reports/personal-data openfinance

Loads the personal-data report home: userBlocked, subscriberBox and the per-section cards.

Auth: Bearer token from the sign-in exchange.

userBlocked
cards
subscriberBox
error
key
icon
title
description
observation

GET /v1/consumer/reports/personal-data HTTP/1.1
Authorization: Bearer <access-token>

{
  "userBlocked": false,
  "subscriberBox": {
    "visible": true
  },
  "cards": [
    {
      "error": false,
      "key": "debts",
      "icon": "alert",
      "title": "Dividas negativadas",
      "description": "2 ocorrencias",
      "observation": "Atualizado hoje"
    }
  ]
}

Bureau document resume

GET /v1/consumer/reports/bureau-summary openfinance

Returns the bureau summary: authenticityCode plus negativatedDebts (companyName, contractNumber, occurrenceDate, value) alongside bankruptcies, badChecks, protests and lawSuits.

Auth: Bearer token from the sign-in exchange.

subscription
authenticityCode
report
generationDate
negativatedDebts
bankruptcies
badChecks
protests
lawSuits
companyName
document
debts
availabilityDate
date
occurrenceDate
value
contractNumber
source

GET /v1/consumer/reports/bureau-summary HTTP/1.1
Authorization: Bearer <access-token>

{
  "subscription": {
    "active": true
  },
  "authenticityCode": "auth-7c2a",
  "report": {
    "generationDate": "2026-10-17T12:00:00Z",
    "negativatedDebts": {
      "items": [
        {
          "companyName": "Loja Exemplo",
          "document": "00000000000100",
          "debts": [
            {
              "availabilityDate": "2026-09-01",
              "date": "2026-08-15",
              "occurrenceDate": "2026-08-10",
              "value": 1999.9,
              "contractNumber": "CT-9981",
              "source": "SPC"
            }
          ]
        }
      ]
    },
    "bankruptcies": {"items": []},
    "badChecks": {"items": []},
    "protests": {"items": []},
    "lawSuits": {"items": []}
  }
}

Dark-web monitoring card

GET /v1/consumer/monitoring/breach-watch osint

Loads the premium dark-web watch screen: title, description, the status card (icon, title, description) and info.

Auth: Bearer token from the sign-in exchange.

title
description
card
icon
info

GET /v1/consumer/monitoring/breach-watch HTTP/1.1
Authorization: Bearer <access-token>

{
  "title": "Monitoramento Dark Web",
  "description": "Seus dados na dark web",
  "card": {
    "icon": "shield",
    "title": "Nenhum vazamento novo",
    "description": "Ultima varredura hoje"
  },
  "info": {
    "hint": "Adicione e-mail e celular"
  }
}

Monitoring alerts

GET /v1/consumer/monitoring/alert-settings osint

Returns the CPF monitoring alert settings: alertSend, info and the monitored companies.

Auth: Bearer token from the sign-in exchange.

alertSend
info
companies

GET /v1/consumer/monitoring/alert-settings HTTP/1.1
Authorization: Bearer <access-token>

{
  "alertSend": {
    "enabled": true
  },
  "info": {
    "title": "Alertas do CPF"
  },
  "companies": {
    "items": [
      {
        "name": "Loja Exemplo",
        "document": "00000000000100"
      }
    ]
  }
}

Credit-area redirect token
GET /v1/consumer/credit-offers/handoff openfinance
Mints a redirectUrl so the credit-area marketplace can hand the signed-in consumer to a partner checkout.
Auth: Bearer token from the sign-in exchange. Query carries the credit-area order identifier.
- redirectUrl
```
GET /v1/consumer/credit-offers/handoff?orderId=ord-8f21 HTTP/1.1
Authorization: Bearer <access-token>
```
```
{
  "data": {
    "redirectUrl": "https://credito.example/checkout?tok=rt_9c10"
  }
}
```

Where teams use this data

Bureau score lock monitoring
A lender or collection desk polls score value, isPremium and autoLockUnlock.isLocked so underwriting pauses when the consumer has locked Serasa Score from the market.
Limpa Nome offer reconciliation
A debt-marketplace or ERP matches offerId, discountPercentage, discountValue, agreementId and agreementStatus against creditor ledgers so settled negativated debts drop the same day the instalment posts.
Pix wallet treasury
A payments ops bot reads WalletResponse.balance.total, PixKeysResponse.key and PixExtractResponse.transactionsByMonth to reconcile cash-in against Limpa Nome Pix checkout.
CPF leak and protest watch
An identity-risk stack joins MonitoringResponse.companies and DarkWebMonitoringResponse.card with SAFReportResponse.negativatedDebts, protests and contractNumber so a new bureau hit or dark-web card fires the same day.

Frequently asked questions

Which identity fields does a Serasa session return?

After CPF sign-in the identity payloads expose id, ppid, cpf, name, email, cellphone, birthDate, loa and sessionId, plus token / sessionToken / utToken for later calls.

What sits on a Limpa Nome debt offer?

Each offer row has offerId and contractHash; its card carries debtType, offerType, hasInstallments, discountPercentage, discountValue and cart eligibility. Details add companyInformation.partner and debtOrigin. Settled deals appear under agreementId and agreementStatus.

How is Serasa Score lock represented?

The lock-status payload returns the score value with its status label, isPremium and autoLockUnlock.isLocked, plus a vipCard block and faqResume items for the lock screen.

What does the bureau report include?

The personal-data report home returns keyed section cards (userBlocked, subscriberBox). The bureau summary adds authenticityCode and the buckets negativatedDebts, bankruptcies, badChecks, protests and lawSuits, each debt with contractNumber, occurrenceDate, value and source.

Apps similar to Serasa: Consulta CPF e Score

SPC Consumidor — SPC Consumidor is SPC Brasil's official app: it shows a free SPC Score and whether the CPF has pending records on SPC Brasil's separate bureau file.
Acordo Certo — Acordo Certo is Consumidor Positivo's debt-settlement app in the Equifax Boa Vista group: check a CPF for free, see which debts are hitting the score, and negotiate with partner banks in one login.
Consumidor Positivo — Equifax BoaVista's Consumidor Positivo portal is the consumer side of the SCPC bureau, for a free CPF consult and a Score that uses Cadastro Positivo, debt history and time on credit.
Quod — Quod is a Brazilian credit bureau whose Cadastro Positivo file yields a Quod Score from 300 to 1,000; consumers can check the score and registry for free after registering on Quod's consumer site.
Nubank — Nubank's NuScore (0–1,000) rates card use, saving habits and indebtedness inside Nubank; the result does not change bureau scores such as Serasa's.
Registrato — Registrato is Banco Central do Brasil's CPF report of active bank accounts, Pix keys and SCR debts; it lists credit relationships and does not produce a score.

More Lending apps

Topics

serasa api
serasa score
limpa nome
cpf consulta
pix wallet serasa
serasa extract
dark web monitoring
negativated debts

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Serasa CPF score and Limpa Nome APIs

Screenshots

API surface

Mint biometric login token

Read signed-in session

Retrieve consumer profile

Score lock-unlock resume

Wallet resume

List Pix keys

Pix cash-in extract

List Limpa Nome debt offers

Debt offer details

List debt agreements

Serasa Extract report

Bureau document resume

Dark-web monitoring card

Monitoring alerts

Credit-area redirect token

Data categories

Where teams use this data

Bureau score lock monitoring

Limpa Nome offer reconciliation

Pix wallet treasury

CPF leak and protest watch

Frequently asked questions

Apps similar to Serasa: Consulta CPF e Score

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Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?

Serasa CPF score and Limpa Nome APIs

Screenshots

API surface

Mint biometric login token

Read signed-in session

Retrieve consumer profile

Score lock-unlock resume

Wallet resume

List Pix keys

Pix cash-in extract

List Limpa Nome debt offers

Debt offer details

List debt agreements

Serasa Extract report

Bureau document resume

Dark-web monitoring card

Monitoring alerts

Credit-area redirect token

Data categories

Where teams use this data

Bureau score lock monitoring

Limpa Nome offer reconciliation

Pix wallet treasury

CPF leak and protest watch

Frequently asked questions

Related apps

Apps similar to Serasa: Consulta CPF e Score

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?