Application for processing requests for the anticipation of receivables between suppliers and collaborators and their contractors. Universal Pagamentos does not perform any activities exclusive to financial institutions. These operations are carried out through partners authorized by the Central Bank of Brazil (BACEN). We are a banking correspondent of the financial institution CELCOIN INSTITUIÇÃO DE PAGAMENTO S.A., which operates through a technological integration solution in the BaaS modality, offering financial payment services, including the opening and management of payment accounts, PIX, Payment Transaction Initiation, electronic money issuance, processing and settlement services, issuance of credit instruments, among others.