Open Finance as a foundation, not a bolt-on feature

Since Brazil's Central Bank regulated Open Finance, a lot was promised and little was delivered in practical terms. Connecting a bank account became a release-notes bullet point. What was missing was turning that raw data into real operational visibility.

The problem with peripheral integrations

When Open Finance is a separate module, data stays siloed. The bank statement does not talk to the income statement, transaction approvals happen in spreadsheets, and the finance manager becomes a translator between systems. The result is rework, human error, and decisions made with yesterday's data.

How Valerium structures the financial module

In Valerium, bank connections via Open Finance feed directly into five integrated views: Overview, Statement, Cards, Connections, and Approvals. There is no manual CSV import or after-the-fact reconciliation. When a transaction comes in, it is immediately available in FinOps for cashflow analysis, budgeting, and income statement.

• —Unified statement from multiple accounts on one screen
• —Corporate card view integrated with the approval workflow
• —FinOps aggregates Open Finance data, contracts, and receivables
• —Transaction approvals with authority thresholds by user role

Who benefits most

Any business operating with more than one bank account, more than one cost center, or more than one finance manager gains from this centralization. Clinics that need to separate operational cash from owner draws, food-service chains consolidating cash from multiple units, real-estate agencies distinguishing commission from fixed cost — all start from the same data, with no duplication.

Real-time bank data stops being a differentiator and becomes a prerequisite. The question is what the platform does with it.

Open Finance as a foundation means that all analyses — projected cashflow, income statement by cost center, approval alerts — start from a single source of truth, always up to date. That is how we turn regulatory data into real operational advantage.