Electronic signatures with legal validity for credit proposals, loan agreements, sign-up terms, and the other documents of banks, fintechs, insurers, and credit unions. The client validates their identity with PIX and a selfie with liveness detection before signing, and every validation becomes evidence in the certificate of completion.
From origination to collection: what banks, fintechs, insurers and credit unions send for signature most.
Once the credit is approved, the proposal goes out through a link and comes back signed with the identity evidence attached, no branch visit.
Borrower, guarantor and institution sign the same instrument, each through their own link, in whatever order the operation calls for.
Account opening, cards, consortium plans: the client signs up from their own phone and the acceptance is recorded with date, time and a timestamp.
The account holder grants transaction or representation powers as a private instrument, and identity validation records who granted them.
The deal closed at the collection desk becomes a signed term before the debtor changes their mind. The new conditions stay documented, with the date and time of each signature.
Fiduciary lien, pledge or surety? The guarantor signs with the validation the risk calls for, and the bond is formalized alongside the main contract.
The path of a proposal inside Signater, in four steps.
Credit approved, you assemble the envelope and the client receives the invitation by email, SMS or WhatsApp, with the identity factors already configured.
A symbolic PIX payment returns the payer's data: name, tax ID (CPF/CNPJ), bank and ISPB, attested by Brazil's instant-payment arrangement. The selfie with liveness detection completes the check.
Identity validated, the client signs in the same session, and the certificate of completion consolidates each piece of evidence with date, time and a timestamp.
With long-term validation, the document embeds the certificate chain and revocation data: the signature stays verifiable even after the certificates expire.
You set the rigor: factors are configured per signer and can be combined in the same envelope, according to the risk of the operation.
The signer makes a symbolic payment through PIX, Brazil's instant-payment system, and the payer's data enters the certificate of completion, attested by the banking system.
The browser camera captures the selfie with active liveness detection: gestures like blinking and smiling, verified on the device itself. The photo becomes visual evidence of the act.
In operations that call for extra rigor, the signer uses their own ICP-Brasil certificate (.pfx/.p12), and the signature is generated with their private key.
How each of the nine factors works is on the Identity validation page.
Each card leads to the feature's full page, with how it works in detail.
Nine factors configurable per signer, from a code by email to PIX with payer data, every attempt recorded as evidence.
TLS at the edge, AES-256-GCM for secrets at rest, PAdES embedded in the PDF, a timestamp and LTV.
Multiple documents and multiple signers in a single flow, sequential or parallel, ending in a certificate of completion with the full history.
Volume, completion rate and average signing time per period, plus audit reports that reconstruct each case.
The signer makes a symbolic payment through PIX, Brazil's instant-payment system, and the arrangement returns the payer's data: name, tax ID (CPF/CNPJ), bank and the institution's ISPB code, plus the transaction identifier. This data is maintained by the banking system itself and is recorded in the certificate of completion as identity evidence.
Yes. Every document receives a timestamp, which attests to the moment the signature existed. With long-term validation (LTV), the document embeds the certificate chain and the revocation data from the moment of signing, and verification stops depending on the certificate still being valid.
The envelope's certificate of completion: who signed, when, from where and with which identity factors. Every validation attempt is recorded with IP, geolocation, device and method used, including the incorrect ones. The certificate records the SHA-256 hash of each file for integrity checks.
No. By default the signature is an advanced electronic signature, backed in Brazil by MP 2,200-2/2001: the client signs through the link and validates their identity with the factors you configure. Signater produces an advanced electronic signature based on a digital certificate, in the PAdES standard. When the signer signs with their own ICP-Brasil certificate (A1), with a qualified timestamp and long-term validation, the signature meets the requirements of a qualified electronic signature.
Yes. The combination is configurable per signer, per envelope: a credit agreement can require PIX and a selfie with liveness detection from the same person, while a routine form moves on with just the code by email. Every validated factor enters the audit trail and the certificate of completion.
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From credit proposal to sign-up terms: create your free account and send the first envelope today. Or talk to our specialists to see how Signater fits your institution's workflow.