Built for a Brazilian problem.
Brazil has 81 million people in debt and over R$300 billion in stuck receivables. Collections still depends on expensive call centers, rigid scripts, and processes that embarrass the debtor. Dyvit exists to solve this with infrastructure, not more people.
Collections in Brazil was expensive, manual, and embarrassing. We decided to make it autonomous, empathetic, and instant.
The call center model doesn't scale. Each human operator handles one conversation at a time, with a fixed script, during business hours only. For portfolios with thousands of overdue contracts, the math simply doesn't work.
We built an AI agent that negotiates via WhatsApp and confirms payments via Pix, 24 hours a day. The debtor receives a personalized approach, with the right tone, at the right moment. No embarrassment, no waiting, no friction.
Our goal is to transform collections from a cost center into revenue infrastructure. Every real recovered autonomously is proof that technology can replace manual processes with more empathy, more speed, and less cost.
The market that drives us
What guides our decisions.
Infrastructure before product
We build the engine before the interface. APIs, webhooks, Pix reconciliation, and regulatory compliance come first. A polished product is the result of a solid foundation.
Speed with responsibility
We move fast, but every message sent by the agent passes through guardrails for tone, timing, and compliance. Speed without control is risk. We deliver both.
Empathy as a competitive advantage
A debtor is not an enemy, but a customer in difficulty. The agent negotiates with respect, adapts its approach to each person's context, and never pushes beyond what is reasonable.
Data as product
Every negotiation generates data on payment behavior, approach effectiveness, and conversion windows. These insights are as valuable as the amount recovered.
Brazil-first, world-ready
WhatsApp, Pix, LGPD, CDC, Brazilian time zones. We solve the local problem in depth. The architecture is extensible, but the focus is mastering the market we know.
Trust is the product
We handle sensitive financial data and direct communication with debtors. Our client's trust depends on security, transparency, and predictability in every interaction.
See Dyvit
in action
Book a personalized demo and see how the AI agent can transform your collections operation in 30 days.