Criar empréstimo pessoal
Sandbox
https://horizon-api-sb.app.rpe.tech
Sandbox
https://horizon-api-sb.app.rpe.tech
POST
https://horizon-api-sb.app.rpe.tech
Request Request Example
Shell
JavaScript
Java
Swift
cURL
curl --location --request POST 'https://horizon-api-sb.app.rpe.tech/api/v1/emprestimos/pessoal/operacao' \
--header 'Authorization: Bearer eyJhbGciOiJIUzUxMiIsInR5cCIgOiAiSldUIiwia2lkIiA6ICIwZDI1NmI2MS03Y2RhLTQ5MzItYjVmNS1hZGIxOGUyNzc3MDQifQ.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.DtxNXDEFD4R7hP8XusdDNqGNvI2_NtwR5tZAjbYYEb2SWSANiPx8kRLMzVcqkvCWf57PqEAIEO6uQN9mbcYBwQ' \
--header 'Accept: */*' \
--header 'Content-Type: application/json' \
--data-raw '{
"produto": {
"idProduto": "4bd99309-3b8c-4e24-bb91-1c205184df98"
},
"tomador": {
"idTomador": "a65c6297-fda1-40af-896b-df2abf30173c"
},
"financiador": {
"idFinanciador": "22dc6963-4bb4-47c0-a003-c0ab4e68f1ac"
},
"valorSolicitado": 1000,
"taxaJuros": 0.05,
"valorTac": 10,
"custoFinanciamento": 10,
"numeroParcelas": 10,
"dataPrimeiroPagamento": "2025-09-30",
"dataDesembolso": "2025-09-30",
"metodoPagamento": "BOLETO",
"avalistas": [
{
"idAvalistas": "a65c6297-fda1-40af-896b-df2abf30173c",
"tipo": "PESSOA_FISICA"
}
],
"anuentes": [
{
"idAnuentes": "a65c6297-fda1-40af-896b-df2abf30173c",
"tipo": "PESSOA_FISICA"
}
],
"metodoColetaAssinatura": "EMAIL",
"tipoDesembolsoEmissor": "ORIGINADOR",
"opcoesColetaAssinatura": {
"requerFotoSelfie": true,
"requerFotoDocumento": true,
"requerValidacaoSelfie": true
}
}'Response Response Example
201 - Response taxaTac
{
"id": "a1027a2c-6efb-419c-8f7a-8298d4093306",
"idSequencial": 169494,
"produto": {
"idProduto": "4bd99309-3b8c-4e24-bb91-1c205184df98"
},
"tomador": {
"idTomador": "a65c6297-fda1-40af-896b-df2abf30173c"
},
"valorSolicitado": 1000,
"taxaJuros": 0.05,
"taxaJurosAnual": 0.795856,
"valorTac": 10000.00,
"custoFinanciamento": 10,
"numeroParcelas": 10,
"dataPrimeiroPagamento": "2025-09-30",
"dataDesembolso": "2025-09-30",
"dataEmissao": "2025-07-30",
"status": "GERANDO_CONTRATO",
"statusCessao": "NAO_CEDIDO",
"detalhesEmprestimo": {
"custoTotalProcessamento": 10166.17,
"taxaJurosAnual": 0.795856,
"taxaJuros": 0.050000,
"taxaJurosEfetivaAnual": 128330557876421356079999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999.000000,
"taxaJurosEfetivaMensal": 47390814564438061457999999999999.000000,
"valorTotalDevido": 13760.70,
"valorDesembolsado": 1000,
"valorDesconto": 0,
"taxaDesconto": 0.0,
"valorFinanciado": 11166.17,
"taxaIofDiaria": 0.000082,
"valorIof": 156.17,
"taxaIofBase": 0.0038,
"valorParcela": 1376.07,
"dataEmissao": "2025-07-30",
"cronograma": [
{
"pagamento": 1376.07,
"iof": 5.23,
"saldo": 11166.16,
"juros": 0.00,
"principal": 1376.07,
"valorAdicional": 0.00,
"periodo": 1,
"diaCorrido": 0,
"dataPagamento": "2025-09-30"
},
{
"pagamento": 1376.07,
"iof": 8.21,
"saldo": 9790.09,
"juros": 64.65,
"principal": 1311.42,
"valorAdicional": 0.00,
"periodo": 2,
"diaCorrido": 30,
"dataPagamento": "2025-10-30"
},
{
"pagamento": 1376.07,
"iof": 10.98,
"saldo": 8478.67,
"juros": 128.27,
"principal": 1247.80,
"valorAdicional": 0.00,
"periodo": 3,
"diaCorrido": 61,
"dataPagamento": "2025-11-30"
},
{
"pagamento": 1376.07,
"iof": 13.39,
"saldo": 7230.87,
"juros": 186.89,
"principal": 1189.18,
"valorAdicional": 0.00,
"periodo": 4,
"diaCorrido": 91,
"dataPagamento": "2025-12-30"
},
{
"pagamento": 1376.07,
"iof": 15.62,
"saldo": 6041.69,
"juros": 244.58,
"principal": 1131.49,
"valorAdicional": 0.00,
"periodo": 5,
"diaCorrido": 122,
"dataPagamento": "2026-01-30"
},
{
"pagamento": 1376.07,
"iof": 17.47,
"saldo": 4910.20,
"juros": 296.01,
"principal": 1080.06,
"valorAdicional": 0.00,
"periodo": 6,
"diaCorrido": 151,
"dataPagamento": "2026-02-28"
},
{
"pagamento": 1376.07,
"iof": 19.19,
"saldo": 3830.14,
"juros": 346.75,
"principal": 1029.32,
"valorAdicional": 0.00,
"periodo": 7,
"diaCorrido": 181,
"dataPagamento": "2026-03-30"
},
{
"pagamento": 1376.07,
"iof": 20.75,
"saldo": 2800.82,
"juros": 396.68,
"principal": 979.39,
"valorAdicional": 0.00,
"periodo": 8,
"diaCorrido": 212,
"dataPagamento": "2026-04-30"
},
{
"pagamento": 1376.07,
"iof": 22.07,
"saldo": 1821.43,
"juros": 442.70,
"principal": 933.37,
"valorAdicional": 0.00,
"periodo": 9,
"diaCorrido": 242,
"dataPagamento": "2026-05-30"
},
{
"pagamento": 1376.07,
"iof": 23.26,
"saldo": 888.06,
"juros": 488.00,
"principal": 888.06,
"valorAdicional": 0.00,
"periodo": 10,
"diaCorrido": 273,
"dataPagamento": "2026-06-30"
}
],
"dataUltimoPagamento": "2026-06-30",
"preTipoJuros": "BASE_365",
"frequenciaTaxaJuros": "MENSAL",
"tipoAmortizacao": "PRICE",
"tipoJuros": "PRE",
"jurosPeriodoCarencia": 0,
"amortizacoesPeriodoCarencia": [],
"frequenciaAmortizacao": "MENSAL"
},
"variaveisCustomizadas": {},
"financiador": {
"idFinanciador": "22dc6963-4bb4-47c0-a003-c0ab4e68f1ac",
"nomeLegal": "RPE RETAIL PAYMENT ECOSYSTEM S/A",
"metadados": {}
},
"metodoPagamento": "BOLETO",
"statusImportacaoBackoffice": "NENHUM",
"avalistas": [
{
"idAvalistas": "a65c6297-fda1-40af-896b-df2abf30173c",
"tipo": "PESSOA_FISICA"
}
],
"anuentes": [
{
"idAnuentes": "a65c6297-fda1-40af-896b-df2abf30173c",
"tipo": "PESSOA_FISICA"
}
],
"metodoColetaAssinatura": "EMAIL",
"provedorAssinatura": "ZAPSIGN",
"tipoDesembolsoEmissor": "ORIGINADOR",
"opcoesColetaAssinatura": {
"requerFotoSelfie": true,
"requerFotoDocumento": true,
"requerValidacaoSelfie": true
},
"valorPremioBase": 7.26,
"valorPremioAdicional": 0,
"contaBeneficiario": {
"titular": {
"nomeTitular": "BRENNO AYRES",
"idContribuinteTitular": "48773585017"
},
"contaBancariaExterna": {
"codigoBanco": "341",
"contaBanco": "123456",
"digitoContaBanco": "0",
"agenciaBanco": "1234",
"tipoContaBanco": "CONTA_CORRENTE",
"codigoIspb": "60701190"
},
"baas": {}
},
"criadoEm": "2025-07-31T00:23:40.542447Z",
"versao": 0,
"valorEmissao": 11173.43,
"emissorMigrado": false,
"modoOpcoesAutenticacaoAssinatura": {
"modo": "NENHUM"
},
"ordensPagamento": [
{
"id": "b608652c-3a95-4410-bb33-093f9fc5cd3a",
"valor": 1000,
"tipo": "PIX_SAIDA",
"status": "PRONTO_PARA_PROCESSAMENTO",
"tipoBeneficiario": "TOMADOR",
"contaBeneficiario": {
"titular": {
"nomeTitular": "BRENNO AYRES",
"idContribuinteTitular": "48773585017"
},
"contaBancariaExterna": {
"codigoBanco": "341",
"contaBanco": "123456",
"digitoContaBanco": "0",
"agenciaBanco": "1234",
"tipoContaBanco": "CONTA_CORRENTE",
"codigoIspb": "60701190"
},
"baas": {}
}
}
],
"numeroIpoc": "486327540203148773585017169494",
"preTipoJuros": "BASE_365",
"valorCesao": 11173.43,
"contaGerenciadaParaDesembolsoDoEmissor": {},
"tentativaDesembolso": []
}Requisição
Parâmetros Header
Parâmetros Bodyapplication/json