Creating an Operation
Open the New Operation form
Go to Operations in the left sidebar, then click New Operation in the top-right corner of the page.
Select the linked customer
Use the customer search field to find and select the customer associated with this transaction. Only customers with
aprovado status appear in the search results — you cannot link an operation to a customer who has not yet completed compliance review.Enter the transaction details
Fill in the transaction value, currency, and the operation nature. Select the correct BACEN/MARCA nature code from the pre-loaded list. Once you select a code, kycert automatically populates the official regulatory description for that code so you can confirm you have chosen the right one.
Operation Natures
kycert pre-loads 71+ BACEN operation nature codes covering the full range of typical FX transactions: goods imports and exports, international services, financial flows, capital transfers, royalties, travel, and more. When you select a nature code, kycert auto-populates the official regulatory description so there is no ambiguity about the classification you are applying to the transaction. Your analyst selects the correct code based on the transaction’s commercial purpose. If the correct code for a specific operation type in your portfolio is not in the pre-loaded list, contact kycert support to have it added.AI-Generated Compliance Report
Once the operation is saved, click Generate Analysis on the operation detail page to trigger the AI compliance review. kycert’s AI engine analyzes the transaction against the customer’s full KYC profile — their verified identity, document set, risk band, and bureau results — and generates a structured analysis covering eight mandatory fields:| # | Field | What it covers |
|---|---|---|
| 1 | Regulatory Classification | The formal regulatory category and applicable normative framework for this operation nature |
| 2 | IRRF/IOF Impact | Income withholding tax and financial operations tax implications specific to this transaction type |
| 3 | Resolution Framework | The BCB resolutions, circulars, and RMCCI provisions that govern this operation |
| 4 | AML Risk Assessment | A structured evaluation of money-laundering risk indicators present in this transaction, cross-referenced with the customer’s KYC profile |
| 5 | Required Documents | The complete document checklist required to support this operation for regulatory purposes |
| 6 | Applicable CIDEs | Economic domain contribution charges that apply to this transaction type, if any |
| 7 | Compliance Notes | Specific observations, exceptions, or conditions your team should record for this operation |
| 8 | Final Recommendation | The AI’s overall recommendation on whether this operation can proceed as presented, with conditions if applicable |
Downloading the Laudo
After the AI analysis is generated, click Download Laudo on the operation detail page to receive the white-label PDF compliance report. The report is stamped with your brokerage’s logo and identity and is formatted for submission to regulators or delivery to the customer. You can also retrieve the laudo programmatically via the API:X-API-Key header. The PDF is returned as an application/pdf stream. Manage your API keys under Developer in the sidebar.
Credit Usage
Each AI compliance analysis consumes operation analysis credits from your plan. Credits are deducted when you click Generate Analysis — not when the operation is saved. Check your current credit balance and usage history at any time under Settings → Billing. If your credit balance runs low, kycert will display a warning on the Operations page before you trigger an analysis. Top up credits or upgrade your plan from the same Billing page.The pre-loaded BACEN nature code list covers the most common operation types for authorized FX brokerages. If your portfolio includes specialized operations — structured finance instruments, specific capital account transactions, or niche import/export categories — contact kycert support to have the relevant codes added to your tenant’s list. Custom nature codes are available on Professional and Enterprise plans.