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open banking

SaaS solution that fully enables open banking, simplifying the implementation of the operation in your institution.

Regulatory data governance

SaaS solution that enables regulatory data governance, organizing your company's operation.

Ensure a sustainable ecosystem with regulatory data governance

Teros Regulatory Data Governance is a SaaS solution that drives the creation of ecosystems in compliance with the General Data Law. The solution includes an integration hub for inter-company data sharing APIs, in addition to a native consent engine to the data flow (embedded in the API). It also includes a complete parameterization system, for each type of service transacted, in addition to all the necessary resources for data treatment provided for in the General Data Law, such as anonymization, data storage time, data custody and control dashboards and reports. Finally, it integrates a legal module embedded in the solution, with a complete library of consent terms and maintenance service of the terms performed by a renowned law firm. The solution consists of modules:

About General Data Law

With the advent of General Data Law, the user (your client) became the owner (holder) of their personal data, being solely responsible for decisions on the treatment of this data. In practical terms, except when explicitly stated in the legislation, the processing of personal data presupposes the consent of the holder.

What the General Data Law states:

Handling is considered to be any operation performed with personal data, such as those relating to the collection, production, reception, classification, use, access, reproduction, transmission, distribution, processing, archiving, storage, elimination, evaluation or control of information, modification, communication, transfer, dissemination or extraction.

In other words, one of the main foundations of the General Data Law is informational self-determination, which is the positive right of the holder to exercise control over their transactional flow of data, which today are transformed into information.

Thus, the key requirements revolve around the user's consent and the experience of the data holder, to exercise their rights and give access to their information.

It is necessary to ensure that the handling - especially the sharing - of data is performed with the consent of the user and owner of the data, at all times. This is valid both for those transmitting the data and those receiving the data. It is necessary to inform users about how their data is being used, how they can control it, how it is stored and/or how the company is audited. To that end, you will need a technological solution to obtain the user's consent, in addition to involving the legal, risk and compliance area of your company, to ensure that the consent terms are adequate for each data call.

In this context, you need to be prepared to manage specific consents for each purpose of use and all parameters required by the Law.

So, in order to handle data in compliance with the law, share and receive data with other companies, and develop sustainable businesses, you will need a data governance system.

Governing all the data that will be shared in the new ecosystem, including the terms and consents obtained in each transaction, and storing and recording all data logs in a format that is easy to consult and access.

Promoting a good journey for the user when consenting to release data, in a way that is clear and includes all mandatory information.

Finally, provide regulatory agencies with access to required reports that will also be used on a day to day basis by the DPO in their data governance role.

Open Banking solution modules


dev portal exposição open banking


Platform for displaying embedded APIs with the layout of the APIs for each service / information provided for in each phase of open banking regulation in each country.



  • The platform is already prepared for Brazil and Mexico.
  • The implementation process includes the project for integration with the client's legacy system to expose the data provided for each API (see open banking regulation).
  •  The implementation process includes the possibility of using the APIs layout, even if the client already has a Dev Portal / Gateway, enabling a shortcut for preparing the open banking data exposure (mandatory, as participation implies reciprocity).


open banking módulo de consentimento


The module includes a consent engine that enables the process of generating consent terms in an automated way, 100% compliant with the open banking regulation. Possibility of editing terms simply and quickly, for each type of integration and data service.

The consent engine works at the API level, that is, associated with each data call, generating a unique record and documenting the data call associated with the obtained consent. This is called native consent, and it can be formatted for transmitting and receiving data.



  • Consent to data transmission.
  • Consent to data reception.
  • Teros Compliance Standards – pre-formatted templates and recommendation of appropriate terms for each data use operation.
  • Pre-formatted Terms of Consent Library.
  • Legal module with maintenance of terms by law firm Barcellos Tucunduva. 
  • Edition of clauses, specific purposes for each data treatment, terms of custody and storage and data anonymization.



Mobile platform prepared for the open banking player, a Teros Solution client, to deploy the user experience in plug-and-play format to obtain consent to receive data and transmit data.

  • Features:

    • Possibility of customizing the layout according to the client's brand design.
    • Two formats for use by the Client:
    1. App to App: Inter-application communication model that allows the integration of the open banking application to the client's existing application, through redirection. Therefore, it works as an external module integrated to the existing Teros Client App. 
    2. Third Party Apps: Preparation as an independent application for the institution's open banking operation, therefore requiring:
    • Integration with client access authentication / user management tools;
    • App publication in Play Store and Apple Store (AppOpenBanking-ClienteTeros).


hub de integrações open banking


Integration hub for open banking APIs, as well as any other type of API, enabling the creation of new ecosystems that demand data interaction with governance and compliance with General Data Law.


  • Integrates open banking APIs
  • Integrates APIs of another nature of data flow.

  • Update of API versions.

  • Data APIs parameterization system with all LGPG and open banking requirements.


registro de logs open banking


System that records the logs of data calls and the addressing API of the holder's right.


  • Online consultation through the Teros data governance platform.
  • Stores logs and consent files.
  • Therefore, allowing for customer data custody.
  • Search Engine (by CPF / Client Name + Date of Birth, etc.) that searches the Teros System (Database, Operations Log), which generates a Report or Action according to the type of search required.
  • Necessary features according to the General Data Law:
    • Confirmation
    • Access to given consents
    • Correction
    • Anonymization
    • Editing
    • Revocation



Dashboard that presents management indicators for the complete data operation using the Teros governance system.


  • Web-based embedded with Tableau Software.
  • Management indicators for the complete data operation using the Teros governance system.
  • Possibility of creating and editing control panels. 
  • Allows interfaces with the various corporate areas that need to manage the flow of data originating from open banking or other sources.
  • Generation of biannual reports as required by Bacen.
open banking governança de dados


Allows the configuration of data services and the parameterization of data governance. Includes the purpose, treatment, query and management of responsibilities for each data service, with the application of specific terms, considering the nature of the operation relating to the type of data.


Parameter list that covers all aspects required for regulatory data management:

  • Consent Terms
  • Purposes
  • Responsibilities and Fines
  • Data Anonymization
  • Types of anonymization and time for anonymization
  • Custody in compliance with General Data Law
  • Data custody time

The Teros Open Banking Solution enables and facilitates:

we plug. think. play. together

We work with the client, who is always the protagonist of the project, and we plug in at their moment, immersing ourselves in their challenges.

Teros open banking ecosystem:

artigos de pricing