Issuer Perspective

Operation Creation
The issuer sets up a CCB-based credit operation. They interact with BRX’s APIs to structure and tokenize the CCB, submitting collateral and borrower information via the / company /and `/ loan /`` APIs. This automates the issuance of CRs tied to the CCB.

Collateral and Payment Management
Once the CCB operation is live, the issuer uses the /blockchain-event/ API to track payments and monitor collateral status. This API ensures that every event tied to the loan (e.g., collateral locking, loan disbursement) is properly recorded.

Disbursement and Repayments
The issuer uses smart contract interactions to manage repayments automatically. When funds are due, the smart contract processes disbursements from segregated accounts back to investors. This is handled through the Kona platform's integration with payment rails like Pix for BRL disbursements.

Investor Perspective

Evaluating and Investing in CRs
Investors evaluate the structured CCB-backed CRs using the Investor Dashboard. Data is dynamically retrieved from the /operations/{identifier} API, showing key details like collateral, interest rates, and tranche structure.

Monitoring and Returns
Investors can track the performance of their investments through detailed transaction logs retrieved from the API. Smart contracts manage the automatic flow of repayments, ensuring that returns are distributed to investors without manual intervention.