created to structure, operate, and scale credit operations through technology, regulatory infrastructure, and financial intelligence.
Hai acts as an enabling infrastructure, allowing organizations to offer financial services in a secure, flexible, and scalable way, without the need to become a bank.
Through a comprehensive ecosystem of technological solutions, Hai enables end-to-end platforms for credit origination, management, and distribution. It integrates data, automation, banking infrastructure, and regulatory expertise into a unified operation.
Each solution is co-created with partners, from strategic design to scale, ensuring operational efficiency, risk control, and full compliance with financial market requirements.
Hai TechFin connects technological intelligence, financial depth, and regulatory rigor to co-create solid credit operations from the ground up.
The company builds intelligent financial infrastructures that enable sustainable growth, adapting to each business model while anticipating market challenges.
Hai operates as a strategic partner in the co-creation, structuring, and operation of tailored credit solutions.
We believe well-structured credit drives sales, organizes operations, strengthens ecosystems, and sustains consistent growth.
That is why we develop secure, flexible, and scalable operations capable of adapting to different business models while integrating technology, strategy, and regulatory complexity.
The financial market is evolving rapidly, and companies must keep pace to remain competitive.
Credit and financial inclusion are key growth drivers across industries, yet they still face challenges such as regulatory complexity, infrastructure barriers, high operational costs, and technological limitations.
Hai was created to reduce this complexity by providing a financial infrastructure that connects technology, regulation, and strategy, making credit operations more accessible, efficient, and sustainable.
Hai TechFin develops financial technology to structure and operate different credit models. The platform’s modular architecture allows each partner to contract only the necessary components, with the flexibility to evolve over time into complete financial operation models.
The entire structure operates with compliance by design, fast API integration, advanced security, and adherence to sector regulatory standards.
Complete platform for granting digital personal credit, with a configurable decision engine, risk analysis, and credit lifecycle management.
Financing solutions integrated into the sales flow, allowing partners to offer credit directly within the customer’s purchase journey.
Complete infrastructure for financing new and used vehicles, with integration to registrars, collateral analysis, and portfolio management.
Cash advance solution via credit card with limit control, real-time authorization flow, and integration with the main processors in the market.
Automated issuance of CCB via API with digital signature, registrar registration, and full compliance with Central Bank and CMN regulations.
Hai’s platform combines four main pillars that ensure solidity, flexibility, and compliance in every operation.
A robust and modular platform for credit and financial services, including APIs, SDKs, white-label applications, and a complete back-office for operations management.
Flexible models ranging from platform usage to assisted operations and structured partnerships, including Direct Credit Company (SCD) frameworks.
Built-in compliance, audit trails, risk management, AML/CFT controls, data protection (LGPD), and continuous regulatory alignment.
Configurable credit engine, hybrid scoring models, Open Finance integration, alternative data usage, and executive dashboards for performance analysis.
Hai TechFin is part of Avivatec Group, a technology ecosystem with more than 15 years of experience. This structure provides a solid technological foundation, continuous innovation, and robust governance to support large-scale financial operations.
Differentials that make Hai TechFin the ideal partner to structure and scale credit operations.
Hai exists to make that possible.
Technology that brings co-created financial operations to life.