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Credit rules differ by market. Lender is jurisdiction-aware: it carries a registry of jurisdiction profiles, each supplying the rules, disclosures, and calendar its market needs. The active jurisdiction shapes which behavior applies.

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The profile model

  • Generic: a baseline profile with the market-neutral lending behavior every jurisdiction shares. It is the fallback when no country-specific profile applies.
  • Brazil (BR): a deep profile on top of the baseline. It adds CET disclosure, IOF preview, capitalization consent, PDD staging, the credit-operation descriptor, prepayment quotes, a Brazilian business calendar, and the consignado privado journey.
You reach Brazilian behavior through BR-prefixed endpoints (/api/v1/br/...). Several of those endpoints are jurisdiction-aware aliases of the generic operations. See the Brazil regulatory pack and Consignado privado.

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Discovery endpoints

The compiled-in profiles are discoverable at runtime, so a client can learn which jurisdictions a deployment supports:
Profiles ship with the service, not as runtime configuration. Discovery tells you what a given deployment can do, not something you edit through the API.

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Next steps

Brazil regulatory pack

Everything the Brazilian profile adds.