Auction

In the CTPS Auction, the worker makes a loan request and the financial institutions have up to 24 hours to make their proposals.

The proposals appear in the CTPS application and the worker can choose the proposal that best suits him/her.

BMP sends a callback of new request made in CTPS event, starts an internal auction among its banking correspondents and offers the worker the proposal with the lowest interest rate, after the auction duration.

The internal auction lasts 1 minute. If no proposal is submitted within the auction period, we will consider the first proposal submitted later.

1. Request to submit a proposal

After the worker registers the proposal request in the employment record application, the financial institution will be authorized to submit a proposal to the worker.

Use this request to submit the proposal to BMP and participate in the internal auction.

1.1 Request example

curl --request POST --location 'https://econsignadotrabalhador.moneyp.dev.br/propostas-ctps/inclusao' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <token>' \
--data '{
    "numeroSolicitacao": "30682694",
    "dataHoraValidadeProposta": "dd-MM-yyyy hh:mm", 
    "contatos": [{
        "contato": "https://www.google.com.br/",
        "tipo": 0
        },
        {
        "contato": "<telefone de contato>?text=<texto url encoded>",
        "tipo": 1
        },
        {
        "contato": "11987876567",
        "tipo": 2
        },
        {
        "contato": "atendimento@moneyp.com.br",
        "tipo": 3
        }],
    "valorLiberado": 9000,
    "numeroParcelas": 24,
    "valorTaxaMensal": 3.75
    }'

Reference table for the contatos field:

Code	Description
0	URL
1	WhatsApp
2	Phone
3	E-mail

1.2 Example of callback notification

The example of a notification sent by callback for this request is available in the document Callback URL Configuration - Proposal Status Update Event.

Use this endpoint to consult the worker’s employment relationship list. The return will be the employer’s federal document, worker’s registration number and employment relationship eligibility.

This request is optional for contracting the Auction.

In the first consultation of each worker, the partner must send the authorization to consult the worker’s data.

2.1 Request example

curl --location --request POST 'https://econsignadotrabalhador.moneyp.dev.br/trabalhadores/listar-autorizados-trabalhador' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <token>' \
--data '{
    "cpfTrabalhador": "string",
    "autorizacao": {
          "nsuAutorizacaoDigital": 0
    }
}'

2.2 Callback notification example

The callback notification example for this request is available in the document [Callback URL Configuration - Link List Query Event employees.

Use this endpoint to consult the margin base value, available margin, employment eligibility and other information for credit analysis.

This request is optional for contracting the Auction.

In the first consultation of each worker, the partner must send the authorization to consult the worker’s data.

3.1 Request example

curl --location --request POST 'https://econsignadotrabalhador.moneyp.dev.br/trabalhadores/consultar-dados-trabalhador' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <token>' \
--data '{
  "cpfTrabalhador": "string",
  "matricula": "string",
  "codigoInscricaoEmpregador ": 0,
  "numeroInscricaoEmpregador": "string",
  "autorizacao": {
    "nsuAutorizacaoDigital": 0
  }
}'

3.2 Callback notification example

The callback notification example for this request is available in the document Configuring the callback - Employment relationship data query event.

4. Request for worker registration

To generate the CCB document, the partner must register the worker.

4.1 Request example

curl --location 'https://econsignadotrabalhador.moneyp.dev.br/trabalhador/cadastrar-vinculo' \
--header 'Content-type: application/json' \
--header 'Authorization: Bearer <token>' \
--data-raw '{
    "CPF": "00796616027",
    "Matricula": "abc123",
    "NumeroInscricaoEmpregador": "nro",
    "Nome": "Tony Valadão",
    "Sexo": "M",
    "DataNascimento": "05-02-2000 12:11",
    "Elegivel": true,
    "valorMargemDisponivel": 1222.22,
    "DataAdmissao": "12-12-2024 11:59",
    "PessoaExpostaPoliticamente": 1,
    "endereco": {
        "Cep": "63122200",
        "Logradouro": "rua",
        "Bairro": "São Miguel",
        "Cidade": "Crato",
        "UF": "CE"
    },
    "CodigoCategoriaTrabalhador": 12332,
    "ValorTotalVencimentos": 123.33,
    "ValorBaseMargem": 22.22,
    "DadosContato": {
        "Email": "email@email.com",
        "TelefoneCelular1": "4712214334"
    }
}'

5. Request for employer registration

To generate the CCB document, it is necessary that the partner registers the employer.

5.1 Request example

curl --location 'https://econsignadotrabalhador.moneyp.dev.br/trabalhador/cadastrar-empregador' \
--header 'Content-type: application/json' \
--header 'Authorization: Bearer <token>' \
--data-raw '{
  "nome": "string",
  "documentoFederal": "string",
  "dadosContato": {
    "email": "string",
    "telefoneFixo1": "string",
    "telefoneCelular1": "string"
  },
  "endereco": {
    "cep": "string",
    "logradouro": "string",
    "nroLogradouro": "string",
    "bairro": "string",
    "complemento": "string",
    "cidade": "string",
    "uf": "string"
  }
}'

6. Request to generate the employee’s contract

After accepting the proposal in the CTPS application, the employee will contact you through one of the channels provided in the /propostas-ctps/inclusao endpoint.

Use the /emprestimos/gerar-contrato-trabalhador endpoint to generate the Cédula de Crédito Bancário (CCB) document for the payroll loan.

After generating the contract, this document must be signed with the employee’s facial biometrics and sent to the /emprestimos/incluir-informacoes-contrato-trabalhador endpoint within the corresponding period. If the contract is sent after the due date, it must be generated, signed and sent again.

6.1 Request example

curl --request POST --location 'https://econsignadotrabalhador.moneyp.dev.br/emprestimos/gerar-contrato-trabalhador' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <token>' \
--data '{
    "numeroSolicitacao": "30682694",
    "valorLiberado": 9000,
    "numeroParcelas": 24,
    "valorTaxaMensal": 3.75,
    "propostaContaPagamento": {
        "tipoConta": 0,
        "agencia": "stri",
        "agenciaDig": "s",
        "conta": "string",
        "contaDig": "s",
        "numeroBanco": "string"
    }
}'

| Code | Description | |------------------------| | 1 | Savings | | 2 | Checking Account |

6.2 Example of callback notification

The example of callback notification for this request is available in the document Callback URL Configuration - CCB Generation Event.

7. Sign the employee’s CCB with facial biometrics

After generating the contract, the employee must sign the Bank Credit Note (CCB) document with facial biometrics.

The employee’s CCB signature must be performed by the partner, using a facial biometric signature service.

Use the endpoint below to print the CCB.

https://reports.moneyp.dev.br/ImprimirCCB?Code={{CODIGO_PROPOSTA}}&Integracao={{CODIGO_INTEGRACAO}}

The proposal code is the same as the request code sent in the callback of the /emprestimos/gerar-contrato-trabalhador endpoint.

The integration code will be informed to the partner when the approval and production credentials are delivered.

The accepted electronic signature standards are Advanced Electronic Signatures, as defined by Law 14.063/2020.

For biometric validation, the databases of the Superior Electoral Court (TSE), National Traffic Secretariat (DENATRAN), Federal Data Processing Service (SERPRO) and Electronic Identity of the Civil Registry (IDRC) are accepted.

Facial biometrics must meet liveness guarantee requirements, according to the IEEE Std 2790-2020, ISO/IEC 30107-3 and ISO/IEC 29794-5 standards.

If there are no biometrics available in government databases, it is possible to use validation with the photo of an official document. The captured biometrics must be used exclusively for the signature process and cannot be reused. During biometric capture, it is necessary to inform the worker of the purpose of the capture.capture and the possibility of using the data by MTE/DATAPREV for audits and investigations.

With the CCB signed by the worker, continue with the inclusion of the CCB signed with facial biometrics in the next step.

8. Request to include the signed CCB and facial biometrics

After signing in the previous step, use the endpoint /loans/include-worker-contract-information to include the worker’s contract information.

With the inclusion of the signed CCB, the loan will be registered in DATAPREV, after this inclusion, the loan will be released for payment queue.

8.1 Request example

curl --request POST --location 'https://econsignadotrabalhador.moneyp.dev.br/emprestimos/incluir-informacoes-contrato-trabalhador' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <token>' \
--data '{
    "contratoEmprestimo": "<string>", //MANDATORY
    "dataHoraAssinatura": "dd-MM-yyyy hh:mm", //MANDATORY
    "ip": "<string>", //MANDATORY
    "numeroContrato": "<string>", //MANDATORY
    "tipoDocumento" : "<number>", //1 for RG and 2 for CPF
    "documentoOficialComFotoFrente": "<string>",
    "documentoOficialComFotoVerso": "<string>",
    "registroBiometricoFacial": "<string>",
    "baseBiometrica": "<string>", 
    "score": "<number>",
    "indicadorValidacaoComDocOficial": "<boolean>",
    "latitude": "<number>",
    "longitude": "<number>",
    "dispositivo": "<string>"
}'

If the indicadorValidacaoComDocOficial field is true, the following fields become mandatory:

documentoOficialComFotoFrente;
documentoOficialComFotoVerso;
tipoDocumento.

If the indicadorValidacaoComDocOficial field is false, the following fields become mandatory:

baseBiometrica;
score.

8.2 Example of callback notification

The example of callback notification for this request is available in the document Callback URL Configuration - Loan endorsement event.

Initial Guide

Developers Guide

Use Cases

1. Request to submit a proposal

1.1 Request example

1.2 Example of callback notification

2.1 Request example

2.2 Callback notification example

3.1 Request example

3.2 Callback notification example

4. Request for worker registration

4.1 Request example

5. Request for employer registration

5.1 Request example

6. Request to generate the employee’s contract

6.1 Request example

6.2 Example of callback notification

7. Sign the employee’s CCB with facial biometrics

8. Request to include the signed CCB and facial biometrics

8.1 Request example

8.2 Example of callback notification

Initial Guide

Developers Guide

Use Cases

​1. Request to submit a proposal

​1.1 Request example

​1.2 Example of callback notification

​2. Request to consult the worker’s employment relationship list

​2.1 Request example

​2.2 Callback notification example

​3. Request to consult worker’s employment data

​3.1 Request example

​3.2 Callback notification example

​4. Request for worker registration

​4.1 Request example

​5. Request for employer registration

​5.1 Request example

​6. Request to generate the employee’s contract

​6.1 Request example

​6.2 Example of callback notification

​7. Sign the employee’s CCB with facial biometrics

​8. Request to include the signed CCB and facial biometrics

​8.1 Request example

​8.2 Example of callback notification

1. Request to submit a proposal

1.1 Request example

1.2 Example of callback notification

2.1 Request example

2.2 Callback notification example

3.1 Request example

3.2 Callback notification example

4. Request for worker registration

4.1 Request example

5. Request for employer registration

5.1 Request example

6. Request to generate the employee’s contract

6.1 Request example

6.2 Example of callback notification

7. Sign the employee’s CCB with facial biometrics

8. Request to include the signed CCB and facial biometrics

8.1 Request example

8.2 Example of callback notification