Pipefy highlighted in 2026 Gartner® Emerging Tech

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Industry leaders trust us to innovate and scale

Credit analysis and decision-making in minutes, not days

Unstructured

36 days
288 h
  • Each proposal via bureau, spreadsheet, email, and chat
40%

Structured

10 days
80 h
  • Automated workflows, but lacking intelligence or traceability.
60%

Automated

4 days
32 h
  • Automated workflows, but lacking intelligence or traceability.
85%

Agentic

0 days
16 h
  • Agentes de IA orquestram bureau, análise, formalização e cobrança

Your AI team, agent by agent

Agents orchestrate your credit operation from end to end

Each agent executes a critical step of the credit journey autonomously and traceably, without replacing your current systems.

Shared Services
P2P AI Studio

Compliance Agent Check

It performs automatic cross-referencing between purchase order and quote with intelligent risk and compliance classification.
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Risk & Compliance
Credit Decisioning

Legal AI (PF and PJ)

Validates the identity and authenticity of personal documents via facial recognition and OCR.
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Risk & Compliance
Credit Decisioning

Identity Validation AI (PF)

Validates the identity and authenticity of personal documents via facial recognition and OCR.
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Risk & Compliance
Credit Decisioning

Credit AI (Individuals and Businesses)

It assesses the credit history and financial behavior of individuals and legal entities.
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Risk & Compliance
Credit Decisioning

Document AI

It extracts and standardizes data from accounting and financial documents, converting them into a structured format.
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Financial Services

Risk Analysis

It automatically assesses collection risk and defines the best strategy for each client.
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Risk & Compliance
Credit Decisioning

AI Checklist

It consolidates and validates all registration, compliance, and legal checks before the final analysis.
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Risk & Compliance

Decision Assist AI SRM

It recommends basing the final approval decision on internal policies, ensuring traceability and consistency in approvals.
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Create your own agent

No-code studio. Configure, test, and publish custom AI agents in days

How it works, end to end

From initial contact to formalization - resolved in minutes

1 Proposal Submission

The requester submits a proposal via portal, form, WhatsApp, or API. Data is automatically populated by the agent.

Prohibited
2 Legal Entity/Individual Validation

The agent queries the Federal Revenue Service and checks for lawsuits and criminal records in seconds.

Compliance
3 Risk Analysis

Orchestrated bureau usage; analysis of income statements and balance sheets. Credit score generated with an auditable and defensible rationale.

Risco
4 Credit Decision

The credit engine applies the transaction rules. The decision is standardized, traceable, and ready for committee review.

Decision engine
5 Formalization

Contract automatically generated and sent via PipeSign, DocuSign, or ClickSign.

Contracts
6 Follow-up

Monitoring of overdue payments, automated reminders, interest calculation, and proactive renegotiation.

Charge

~40% reduction in end-to-end SLA

Ademicon reduced its credit analysis SLA by nearly 40% using Pipefy's integrated workflow.

R$ 3.8M in recovered revenue

Consórcio Líder recovered R$ 3.8 million using the analysis and collection workflow integrated into Pipefy.

40→7 min AI-powered balance sheet extraction

A top-5 cooperative reduced its business client analysis process from 40 minutes to 7 minutes using AI-based document analysis.

“Operational efficiency is what allows you to step back and work more strategically. When everyone is stuck in manual processes, you lose sight of what can be improved. Pipefy helps us see where we’re wasting time and what we can do differently.”

André Carrera

CTO Ademicon

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FAQ

If you need help, we are here to guide you and provide all the support you need

Does Pipefy replace my current credit system?
No. Pipefy acts as an orchestration layer over your core—bureaus, ERPs, and legacy systems continue to operate, now connected and automated.
How long does it take to implement?
In 30 minutes, we show you what your operation looks like on a single layer. Full implementation varies depending on the complexity of the integrations.
Do the agents work for both individuals and legal entities?
Yes. The agentic journey covers validation for both individuals and legal entities—including Federal Revenue Service data, legal proceedings, income statements (DRE), and balance sheets—in a single workflow.
What happens to the traceability of decisions?
Every decision is logged—including who approved it, when, with what data, and the underlying rationale—making it audit- and committee-ready (BACEN-ready).
Does it work with DocuSign and ClickSign?
Yes. The formalization agent integrates with PipeSign, DocuSign, and ClickSign to generate and sign contracts within the same workflow.
What if I want a custom agent?
With the no-code AI Studio, you configure, test, and publish custom agents in days, without relying on IT.

The AI ​​that becomes real in your daily life

Simple setup, hundreds of integrations, enterprise-grade governance—without overburdening the IT team.

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