Solution for Real Estate
Secure contracts.
Verified tenants.
Validate the identity of tenants and guarantors by CPF, Brazil's individual taxpayer ID, before signing. Prevent fraud, remove inconsistent data and close contracts with legal certainty.
The cost of inaction
Inconsistent data is a legal liability.
23%
of lease contracts in Brazil have some registration inconsistency, found during the contract or in court enforcement
SECOVI-SP, Real Estate Market Report, 2023
R$ 8 billion
is the estimated annual cost of defaults and fraud in Brazil's residential rental market
ABRAINC / DataZAP, 2023
Void
is a contract signed on a false identity, under Civil Code Arts. 104 and 166, with no possibility of court enforcement against the guarantor
Brazilian Civil Code, Law 10.406/2002
Industry challenges
What turns a secure contract
into legal risk.
Identity fraud in lease contracts
Tenants use other people's CPFs or inconsistent data to sign contracts. The inconsistency is found only after a default, when the lawsuit shows the identity was invalid.
Slow manual registration prone to errors
Filling in tenant forms with data copied from paper documents takes the agent's time and creates typing errors. The client goes to the agency that closes faster.
A guarantor with inconsistent data voids the guarantee
Guarantors whose CPF does not match Receita Federal (Brazil's federal tax authority) put the guarantee at risk. Found during court enforcement, the error turns a guaranteed lease into a collection with no legal backing.
How CPFHub.io solves it
Every challenge has a direct answer.
Problem
The tenant gives someone else's CPF at registration
Solution
The API validates the full name and date of birth linked to the CPF in ~150 ms. If the data does not match what the tenant provided, registration is blocked before the contract is signed.
Problem
The agent wastes time filling in the form by hand
Solution
The registration form fills in name and date automatically from the CPF. The agent does not type biographical data: the API delivers it, standardized and revalidated periodically against Receita Federal.
Problem
A guarantor with a suspended CPF voids the contract guarantee
Solution
With the CPF and date of birth, the Real-Time Lookup returns the registration status straight from Receita Federal. Guarantors with an irregular CPF are identified before signing, before any contractual commitment.
Legal compliance
The regulation you need.
The infrastructure that delivers.
Identification of the parties to the contract
A lease contract requires correct identification of landlord and tenant, including the CPF. Incorrect data weakens the contract's validity and makes court enforcement harder in case of default.
Validity of legal acts
Contracts signed on a false identity are void by operation of law. Checking the CPF beforehand documents the agency's diligence in identifying the parties and reduces the risk of annulment.
Processing tenant data
Processing the CPF and biographical data of tenants and guarantors requires a legal basis, a stated purpose and a documented retention period. CPFHub.io provides compliance from the first endpoint. LGPD is Brazil's data protection law.
CPFHub.io provides a documented legal basis and a data protection impact assessment (RIPD in Portuguese) for legal due diligence and audits by ANPD, Brazil's data protection authority.
We cut contracts with inconsistent data to zero. The tenant gives the CPF and date of birth and the system checks name, date and registration status with Receita Federal. We close faster and with far more legal certainty.
Ricardo Paiva
Operations Director · ImóvelFácil
Tenant verified.
Secure contract from the proposal.
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