Every day of DSO (Days Sales Outstanding) you cut is cash back on the table.
A company with R$ 500M in revenue unlocks R$ 1.3M in working capital for each day of DSO reduced. With Karin, our customers cut 8 to 15 days in 90 days.
Why Brazilian DSO runs high.
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High default rates, manual collections cadences, negotiations that wait on an available analyst, cash application done in spreadsheets, slow credit reviews, customers who simply "forget" to pay. Each of these costs you days of DSO.
Impact table
- 1 day of DSO is roughly R$ 2.7M of working capital freed per R$ 1B of revenue
- Average Brazilian DSO: 40-60 days
- Best-in-class globally: 25-35 days
- 99% of companies using AI in AR cut their DSO (Billtrust/Wakefield)
Three fronts.
Front 1 — Touchless cash application
From 70% (RPA) to 90-96%. Karin reads Pix (Brazil's real-time payment system) entries with mismatched tax IDs, chaotic free-text fields, and remittance advice buried in PDFs. Payment arrives, it clears automatically, in minutes.
Front 2 — Dunning that converts
Cadence personalized by customer tier. WhatsApp, email, SMS, voice. 3x more contacts per collector. 45-50% of settlements closed without a human. Negotiation with LGPD (Brazil's general data protection law) and CDC (consumer defense code) guardrails.
Front 3 — Dynamic credit
SCR-Bacen (Bacen's credit registry) + Serasa + Open Finance. Credit analysis in minutes, not weeks. Limits that adjust as the customer pays (or slips). 75% less bad debt.
What customers are reporting.
- DSO -8 to -15 days
- +30% collection rate
- 45-50% autonomous settlements
- 90-96% automated cash application
- 3x collector productivity
- -75% bad debt
Rails and integrations that make this run.
List
- Karin (lead agent)
- Kevin (integrated receivables forecast)
- Klaudinho (reporting and Q&A)
- Pix / boleto (Brazilian bank-slip payment) via Kobana
- WhatsApp Business
- CRM (Salesforce, HubSpot, RD Station, Pipedrive)
- SCR-Bacen, Serasa, Boa Vista
- Open Finance
- D4Sign / Clicksign
B2B SaaS with R$ 80M in ARR, baseline DSO of 58 days.
Before
- 3 collectors serving 400 active customers
- Collections run via spreadsheet and manual email
- 65% automated cash application
- Weekly credit committee reviews
- 2.8% bad debt on revenue
After (90 days with Karin)
- 3 collectors serving 600 customers (+50% coverage)
- Collections orchestrated on WhatsApp
- 94% automated cash application
- Automated credit analysis in minutes
- 0.9% bad debt on revenue
- DSO 58 → 43 days (-15 days)
- Working capital unlocked: R$ 3.2M
Karin live in collections in 1 business day.
See the full Karin onboarding → /en/agents/karin#onboarding
FAQ
Does it work if I don't use Kobana boleto?+
Yes. Karin integrates with any gateway (Pagar.me, Asaas, Iugu, Cora, Stripe).
Does it replace my AR ERP?+
No — it runs on top. Your AR sub-ledger stays in the ERP.
What about customers who want to renegotiate outside policy?+
Automatic escalation to a human. Karin never breaks policy.