---
title: "Stark Infra connects you to the infrastructure needed to issue and manage Credit Notes (CCBs)"
description: "We issue the credit instrument and endorse it to your FIDC or Securitization Vehicle. Scale your credit operations without needing a banking license."
language: en
locale: en-US
canonical: "https://starkinfra.com/credit-note"
section: "Products"
type: "Products"
publisher: "Stark Infra"
last_updated: 2026-10-16
alternates:
  pt-BR: "https://starkinfra.com/br/credit-note.md"
  zh-CN: "https://starkinfra.com/cn/credit-note.md"
---

# Stark Infra connects you to the infrastructure needed to issue and manage Credit Notes (CCBs)

We issue the credit instrument and endorse it to your FIDC or Securitization Vehicle. Scale your credit operations without needing a banking license.

> **About Stark Infra:** Stark Infra provides financial infrastructure APIs so companies can operate in the Brazilian financial market: become a direct or indirect Pix participant, issue cards under your own brand (BIN sponsorship and card processing), originate credit notes (CCB) without being a financial institution, and initiate payments via Open Finance (ITP).

## The right technology to scale your credit operation

Integrate CCB issuance, management, collateral control, and reconciliation into a single platform, reducing operational costs.

#### Streamlined contract execution

Our platform automatically detects signatures, accelerating disbursement. The process is fully automated and integrated, allowing signing via email, SMS, or API directly within your solution.

#### End-to-end automation powered by Pix

Upon execution, funds are automatically disbursed to the borrower and the receivable is endorsed to your FIDC or Securitization Vehicle. Leverage Pix’s 24/7 real-time settlement for payments and collections to boost operational efficiency.

#### SCR (Central Bank Credit Information System) Queries

Access your client’s credit history across financial institutions via our API, ensuring a simpler and more reliable risk assessment.

## Excellence in every detail

We offer a well-documented, easy-to-integrate API with premium support. Our complete Sandbox environment simulates all production scenarios for accurate performance testing.

- Access documentation
### Integrated Identity Verification

Prevent fraud by automatically validating borrower identification documents.

### Developer First

Embrace simplicity with Stark Infra's game-changing banking API. Our reliable, secure, and scalable solution seamlessly integrates within minutes, enabling your company to effortlessly overcome financial operation challenges once and for all.

- View our API

---

## Related pages

- [Direct Participant in Pix](https://starkinfra.com/direct-participant.md)
- [Pix Indirect Participant](https://starkinfra.com/indirect-participant.md)
- [BIN Sponsor](https://starkinfra.com/bin-sponsor.md)
- [Card Processing](https://starkinfra.com/card-processing.md)
- [Ledger](https://starkinfra.com/ledger.md)
- [Payment Initiator](https://starkinfra.com/payment-initiator.md)

## Other languages

- [Português (pt-BR)](https://starkinfra.com/br/credit-note.md)
- [中文 (zh-CN)](https://starkinfra.com/cn/credit-note.md)
- [Home](https://starkinfra.com/index.md)

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- **Canonical URL:** https://starkinfra.com/credit-note
- **Language:** English (`en-US`)
- **Section:** Products
- **Last updated:** 2026-10-16

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