Creating Bre-B Keys

Overview

Bre-B is Colombia’s immediate payment system (Sistema de Pagos Inmediatos - SPI), enabling real-time transfers between individuals, businesses, and financial entities. At the heart of this system lies Key Management, it revolves on the unique identifier to simplify payments.

Core Concepts

In Bre-B, a Key (or “alias”) serves as a simplified, human-readable identifier for a user’s bank account. Instead of sharing long account numbers, users register a key that can be used to send or receive payments instantly.

Each key is mapped to a specific account and must be globally unique within the Bre-B ecosystem.

Business Value

Bre-B key management provides a standardized, interoperable layer that benefits all participants in the financial ecosystem:

For Entities

• Enhances customer experience and adoption through easier onboarding and simplified transfers.
• Increases operational efficiency with lower errors.

For Users

• Enables real-time payments using simple identifiers.
• Avoids errors related to entering long account numbers.
• Makes payment experiences more intuitive, ideal for mobile-first scenarios.

For Regulators

• Promotes financial inclusion and broader access to digital payments.
• Provides centralized traceability of key ownership and transfers.
• Aligns with regional interoperability goals across Latin America.

Benefits of Key-Based Transfers

Example of Use Cases

Peer-to-Peer (P2P) Transfers

A customer sends money to a friend using their email address or cellphone. No need to ask for or store account details.

Person-to-Merchant (P2M) Payments

A small merchant registers a key (tiendaelalcalde@correo.com) and receives instant customer payments directly into their business account.

Key Lifecycle

1. Create a Key: Map a key_value to an account (account_id) with the Create Keys endpoint.
2. Update a Key: Change the associated account (e.g., if the user switches financial entities).
3. Suspend a Key: Block key temporarily for security reasons.
4. Delete a Key: Unlink the key from the associated customer account.
5. Resolve a Key: Search the registry to resolve keys into accounts.

Create a Key

For more information about the endpoint details, please refer to Create Keys page.

Key Types and Key Value

The key_type field defines the format and purpose of the key used to identify a bank deposit account within the Bre-B system. These keys reduce friction, enabling fast, secure payments between customers (Individual and Business), across financial entities, without the need for traditional account information.

Request Example

Request Body

curl --location 'https://bre-b-sandbox.api.visionamos.passportfintech.com/v1/paas/entities/customers/accounts/keys' \

--header 'Content-Type: application/json' \

--header 'Authorization: YOUR_ACCESS_TOKEN' \

--data-raw '{

    "account_id": "7472937f-cbe2-4e34-8b5e-6067e196325c",

    "key_type": "E",

    "key_value": "jimmyjohns22000@passportfintech.com"

}'

Response Example

Response Body

{

    "key_value": "jimmyjohns22000@passportfintech.com",

    "account_id": "7472937f-cbe2-4e34-8b5e-6067e196325c",

    "id": "56188354-18be-412d-9e0b-64c8e0f54541",

    "key_type": "E"

}

Support and Resources

• Visit the Postman Collection for practical examples.
• Contact your Passport representative or technical support for further guidance.