Webhooks

Novo — complemento. O Leilão 2.0 envia eventos ao endpoint do originador via HTTP POST. Abaixo, exemplos de payload com dados fictícios. O originador configura os endpoints de recebimento no momento do cadastro; a entrega é assíncrona com retentativas.

Eventos:

OPPORTUNITY — nova oportunidade de lead (ponto de partida para enviar proposta)
WIN — proposta vencedora
LOSS — proposta perdedora
TECHNICAL_ERROR — erro após a arbitragem

7.1 OPPORTUNITY

Disparado quando um lead elegível é identificado para o originador.

{
  "event": "OPPORTUNITY",
  "lead_id": "a3f7c821-0b4e-4d9e-b2e1-7c5d8f012345",
  "window_deadline": "2026-06-04T17:19:57Z",
  "dataprev_metadata": {
    "idSolicitacao": 149261812,
    "cpf": 12525092783,
    "matricula": "01012000302",
    "inscricaoEmpregador": {
      "codigo": 1,
      "descricao": "CNPJ"
    },
    "numeroInscricaoEmpregador": 25134923,
    "valorLiberado": 5000,
    "nroParcelas": 12,
    "dataHoraValidadeSolicitacao": "04062026171957",
    "nomeTrabalhador": "MARIA SANTOS SILVA",
    "dataNascimento": "27101988",
    "margemDisponivel": 631.5,
    "elegivelEmprestimo": true,
    "dataAdmissao": "13112025",
    "alertas": []
  }
}

7.2 WIN — Competição normal

Disparado ao originador vencedor.

{
  "event": "WIN",
  "lead_id": "a3f7c821-0b4e-4d9e-b2e1-7c5d8f012345",
  "auction_result": {
    "result_type": "WIN",
    "proposal_id": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
    "external_id": "sim_12345",
    "disbursement_amount": 12000,
    "financed_amount": 12350,
    "monthly_interest_rate": 1.79,
    "annual_interest_rate": 23.75,
    "num_payments": 72,
    "payment_amount": 215.3,
    "monthly_effective_interest_rate": 1.85,
    "annual_effective_interest_rate": 24.57,
    "insurance_amount": 0,
    "winning_tier": 1,
    "total_proposals_received": 3,
    "no_competition": false,
    "fast_track": false,
    "fast_track_type": "",
    "insurance_accepted": null,
    "proposals": [
      { "result_type": "WIN",  "disbursement_amount": 12000, "num_payments": 72, "monthly_effective_interest_rate": 1.85, "annual_effective_interest_rate": 24.57 },
      { "result_type": "LOSS", "disbursement_amount": 11500, "num_payments": 72, "monthly_effective_interest_rate": 1.92, "annual_effective_interest_rate": 25.61 },
      { "result_type": "LOSS", "disbursement_amount": 11200, "num_payments": 60, "monthly_effective_interest_rate": 2.1,  "annual_effective_interest_rate": 28.20 }
    ]
  }
}

7.3 WIN — Fast Track

Encerramento imediato (ex.: CNPJ prioritário). Note fast_track: true e fast_track_type.

{
  "event": "WIN",
  "lead_id": "a3f7c821-0b4e-4d9e-b2e1-7c5d8f012345",
  "auction_result": {
    "result_type": "WIN",
    "proposal_id": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
    "external_id": "sim_12345",
    "disbursement_amount": 12000,
    "financed_amount": 12350,
    "monthly_interest_rate": 1.79,
    "annual_interest_rate": 23.75,
    "num_payments": 72,
    "payment_amount": 215.3,
    "monthly_effective_interest_rate": 1.85,
    "annual_effective_interest_rate": 24.57,
    "insurance_amount": 0,
    "winning_tier": 1,
    "total_proposals_received": 3,
    "no_competition": false,
    "fast_track": true,
    "fast_track_type": "PRIORITY_CNPJ",
    "insurance_accepted": null,
    "proposals": [
      { "result_type": "WIN",  "disbursement_amount": 12000, "num_payments": 72, "monthly_effective_interest_rate": 1.85, "annual_effective_interest_rate": 24.57 },
      { "result_type": "LOSS", "disbursement_amount": 11500, "num_payments": 72, "monthly_effective_interest_rate": 1.92, "annual_effective_interest_rate": 25.61 },
      { "result_type": "LOSS", "disbursement_amount": 11200, "num_payments": 60, "monthly_effective_interest_rate": 2.1,  "annual_effective_interest_rate": 28.20 }
    ]
  }
}

7.4 LOSS — Competição normal

Disparado aos originadores perdedores (dados das demais propostas anonimizados para benchmarking).

{
  "event": "LOSS",
  "lead_id": "a3f7c821-0b4e-4d9e-b2e1-7c5d8f012345",
  "auction_result": {
    "result_type": "LOSS",
    "total_proposals_received": 3,
    "no_offers": false,
    "proposals": [
      { "result_type": "WIN",  "disbursement_amount": 12000, "num_payments": 72, "monthly_effective_interest_rate": 1.79, "annual_effective_interest_rate": 23.65 },
      { "result_type": "LOSS", "disbursement_amount": 11500, "num_payments": 72, "monthly_effective_interest_rate": 1.85, "annual_effective_interest_rate": 24.57 },
      { "result_type": "LOSS", "disbursement_amount": 11200, "num_payments": 60, "monthly_effective_interest_rate": 2.1,  "annual_effective_interest_rate": 28.20 }
    ]
  }
}

7.5 LOSS — Sem ofertas (no_offers)

Nenhuma proposta foi enviada por nenhum originador na janela.

{
  "event": "LOSS",
  "lead_id": "a3f7c821-0b4e-4d9e-b2e1-7c5d8f012345",
  "auction_result": {
    "result_type": "LOSS",
    "total_proposals_received": 0,
    "no_offers": true,
    "proposals": []
  }
}

7.6 TECHNICAL_ERROR

Disparado quando um erro impede o processamento normal do leilão após a arbitragem.

{
  "event": "TECHNICAL_ERROR",
  "auction_id": "a3f7c821-0b4e-4d9e-b2e1-7c5d8f012345",
  "error_code": "DATAPREV_TIMEOUT",
  "dataprev_error_code": "SC",
  "message": "Timeout ao enviar proposta ao Dataprev",
  "occurred_at": "2026-06-11T10:01:00Z"
}