Which flow should I submit a proposal to?

submit_proposal is the standard screenless flow. submit_fintech_proposal is the Fintech variant and submit_coad_proposal adds the Coad-specific blocks. If you do not know which one applies, start with submit_proposal and check the returned service id with the provider of the flow.

Why are optional applicant fields sometimes ignored?

Each flow accepts a subset of the applicant and request fields. The connector only puts a field in the body when the flow's schema declares it, so sending produto or prazo to a flow that does not use them is a no-op rather than an error. Use extra_data to set any other DV-* block exactly as PowerCurve expects it.

What does a refer verdict mean?

The policy could not approve or decline automatically — a human analyst must review the case. The rendered output keeps the decision name, the recommendation codes and the Serasa enrichment so the analyst has the reasons in one place. Call reprocess_proposal after the review to re-run the decision.

Serasa Experian PowerCurve — Credit Decision Engine MCP Connector for Claude

Submit credit proposals to PowerCurve and read back the decision, score and policy outcome.

5 tools Updated Oct 1, 2026 Official Vinkius Partner

More Details Connect to Claude

Serasa Experian PowerCurve is the decision engine that scores a credit proposal against the lender's own policy and returns an approve / decline / refer verdict together with the enrichment blocks the decision was based on. This connector covers the screenless (headless) application API: submit a proposal for the standard, Fintech and Coad flows, query the status of an existing application, and reprocess one. The connector mints its own JWT from the username / password pair, caches it for its lifetime and refreshes transparently. Responses are rendered as the verdict, the scores and ratings, the Serasa enrichment and the applicant summary, so an agent can reason about the outcome without reading the raw DV-* blocks.

serasaexperianpowercurvecredit-decisiondecision-enginebrazilfintech

5 tools expose this connector's capabilities to your AI agent.

get_proposal_status

Use it to poll proposals submitted asynchronously, or to resync after a timeout. The response carries the same decision blocks as the submit calls. Look up proposals and refresh their processing status from PowerCurve

reprocess_proposal

Useful when the underlying Serasa data changed, a policy was updated, or the first run returned a refer decision you want re-evaluated with corrected input. Identify the target by application_id or numero_proposta. Re-run the decision flow on an existing PowerCurve proposal, e.g. after data changes

submit_coad_proposal

Its request body uses the Coad input definition, so send the Coad-specific fields via extra_data and use the typed parameters for the parts the two flows share. `numero_proposta` is your own proposal identifier; `id_servico` selects the service configured in PowerCurve. The product block (produto, valor_emprestimo / valor_credito, prazo, finalidade, subprodutos) describes what the customer is asking for. The applicant block carries the person's identity. Anything the typed parameters do not cover can be sent as a full `extra_data` JSON object, which is merged over the built body. Submit a proposal through the Coad flow for co-advised or consortium credit

submit_fintech_proposal

Use it when your contract with Serasa is the Fintech service rather than the generic NovaProposta one. `numero_proposta` is your own proposal identifier; `id_servico` selects the service configured in PowerCurve. The product block (produto, valor_emprestimo / valor_credito, prazo, finalidade, subprodutos) describes what the customer is asking for. The applicant block carries the person's identity. Anything the typed parameters do not cover can be sent as a full `extra_data` JSON object, which is merged over the built body. Submit a proposal through the Fintech flow, optimised for real-time digital onboarding

submit_proposal

The response also carries the enriched Serasa data the decision was based on (score, restrictions, income range, risk level), so one call is often the whole underwriting step. `numero_proposta` is your own proposal identifier; `id_servico` selects the service configured in PowerCurve. The product block (produto, valor_emprestimo / valor_credito, prazo, finalidade, subprodutos) describes what the customer is asking for. The applicant block carries the person's identity. Anything the typed parameters do not cover can be sent as a full `extra_data` JSON object, which is merged over the built body. Submit a credit proposal to PowerCurve and get the automated decision (approve, deny or refer)

Connect to Claude

Subscribe on Vinkius, then add this connector to Claude.ai or Claude Code.

① Claude.ai (web app)

Go to Settings → Connectors → Add custom connector
Paste the MCP endpoint URL below

https://edge.vinkius.com/vk_preview_muijGGoTR55LyKQmKEwTD7fRxxmKdpJqMwNxM8ex/mcp

② Claude Code (terminal)

claude mcp add --transport http serasa-experian-powercurve-credit-decision-engine https://edge.vinkius.com/vk_preview_muijGGoTR55LyKQmKEwTD7fRxxmKdpJqMwNxM8ex/mcp

③ Claude Desktop

Add to claude_desktop_config.json:

{
  "mcpServers": {
    "serasa-experian-powercurve-credit-decision-engine": {
      "url": "https://edge.vinkius.com/vk_preview_muijGGoTR55LyKQmKEwTD7fRxxmKdpJqMwNxM8ex/mcp"
    }
  }
}

Get full access on Vinkius

The preview token above works for testing. Powered by Vinkius.