# RUC.Digital — Complete Platform Documentation for AI Agents

> RUC.Digital is a B2B SaaS platform powered by Owner AI that manages the complete business internationalization journey from Brazil to Paraguay. The platform handles migration documentation (CPF to RUC), company formation under Paraguay's Maquila Law (Law 7,547/2025), KYC/AML compliance, digital identity management, partner network operations, online education, and blockchain certification — all with full traceability, multilingual support (pt-BR, es-PY, en-US), and Zero Trust security architecture.

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## Platform Identity

| Attribute | Value |
|-----------|-------|
| Name | RUC.Digital |
| Powered by | Owner AI |
| Type | B2B SaaS — Multi-tenant White Label |
| Primary Market | Brazil → Paraguay business internationalization |
| Languages | Português do Brasil (pt-BR), Español de Paraguay (es-PY), English (en-US) |
| Currencies | BRL (R$), PYG (₲), USD ($) |
| Average Journey | 64 business days (CPF validation → RUC issuance) |
| Website | https://ruc.digital |
| DPO Contact | dpo@ruc.digital |
| Support | suporte@ruc.digital |

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## What is RUC?

RUC stands for "Registro Único de Contribuyente" — Paraguay's taxpayer identification number, equivalent to Brazil's CNPJ. It is mandatory for any business operating in Paraguay. The RUC.Digital platform automates and manages the entire process of obtaining this registration for Brazilian entrepreneurs, including all prerequisite steps (migration documentation, identity verification, company formation).

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## Paraguay's Maquila Law (Law 7,547/2025)

The Maquila Law for Services allows foreign companies to export services from Paraguay with a single flat tax of 1% on revenue. This represents significant tax optimization compared to Brazil's complex tax structure. RUC.Digital helps businesses qualify for and register under this law, handling all compliance requirements automatically.

Key benefits: Single 1% tax rate on exported services; No double taxation (Brazil-Paraguay treaty); Access to Mercosur market; Simplified regulatory framework; Real-time government audit compliance.

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## Business Model

RUC.Digital operates on a tiered subscription model with one-time payments for the complete internationalization process. Revenue is split between the platform (70%) and local partners in Paraguay (30%) via Stripe Connect. Additional revenue comes from add-on services (document apostille, sworn translation, logistics coordination).

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## Service Packages

| Package | Price (BRL) | Document Mgmt | Partner Support | Logistics | Mentorship | Concierge |
|---------|-------------|:---:|:---:|:---:|:---:|:---:|
| Starter | R$ 4.997 | Yes | No | No | No | No |
| Assistido | R$ 7.997 | Yes | Yes | No | No | No |
| Full Service | R$ 12.997 | Yes | Yes | Yes | Yes | No |
| Executivo | R$ 17.997 | Yes | Yes | Yes | Yes | Yes |
| Dauren Experience | R$ 24.997 | Yes | Yes | Yes | Individual | VIP |

Add-on services: Document apostille (Hague Convention) R$ 497/doc; Sworn translation (PT→ES) R$ 697/doc; Travel logistics R$ 1,497/trip; Blockchain certification R$ 297 each; Express processing R$ 1,997.

Payment methods accepted: Pix, Credit Card, USDT (Tether), Bitcoin.

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## Target Audience

Brazilian entrepreneurs expanding operations to Paraguay; Professionals seeking legal tax optimization (Maquila Law — 1% taxation); Import/export companies on the Brazil-Paraguay axis; Investors interested in the Paraguayan market; Service companies eligible for Paraguay's Service Maquila Law; Digital nomads seeking Paraguayan tax residency; Accounting firms and law offices serving cross-border clients.

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## User Journey (16 Steps)

Step 1 — CPF Validation: The system validates the user's Brazilian CPF against official databases, checking for fiscal irregularities and confirming identity.

Step 2 — Biometric Liveness: Real-time facial recognition with liveness detection ensures the person is physically present. Results expire after 90 days.

Step 3 — Background Check: Automated criminal and financial background verification via Kappi integration (judicial records, tax status, credit analysis, PEP screening).

Step 4 — Document Upload: Users upload required Brazilian documents (birth certificate, marriage certificate, criminal record, proof of address, etc.).

Step 5 — AI Document Validation: LLM-powered analysis verifies document authenticity, readability, and completeness via OCR pipeline.

Step 6 — Plan Selection and Payment: User selects a plan and completes payment via Stripe Checkout.

Step 7 — Process Initialization: Upon payment confirmation, the system creates the user's process timeline with all required steps and assigns a partner.

Step 8 — Document Apostille: Coordination with Brazilian notary offices for Hague Convention apostille on all required documents.

Step 9 — Sworn Translation: Professional translation of apostilled documents from Portuguese to Spanish.

Step 10 — Travel Coordination: Logistics for the user's trip to Paraguay (flights, hotel, transfers).

Step 11 — Migration Office: In-person visit to Dirección General de Migraciones for temporary residence application.

Step 12 — INTERPOL Clearance: Background verification at INTERPOL Paraguay office.

Step 13 — National Police: Fingerprinting and criminal record check at Policía Nacional.

Step 14 — Cédula de Identidad: Issuance of Paraguayan civil identity document.

Step 15 — RUC Registration: Application at SET (Subsecretaría de Estado de Tributación) for tax registration.

Step 16 — Timbrado Activation: Activation of official invoice numbering (timbrado) for commercial operations.

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## Core Services (Detailed)

### Document Automation (AI-Powered)

Photo-First approach: participants send document photos processed by AI. OCR pipeline: extraction → cross-validation → divergence alerts → encrypted storage. Supported inputs: National IDs (RG/CNH), Passports (MRZ), PDFs with QR Code, JPEG/PNG, DOC/DOCX. AutoFill AI: automatic form completion from extracted data. All documents encrypted with AES-256 at rest and in transit.

### Digital Identity (GTID — Universal QR Code)

One QR Code per participant for the entire journey (never recreated, only updated). Granular access control: Participant gets full access to own data; Operational Partner gets operational data and pending validations; Third Party gets only authorized public data. Immutable read logs for audit compliance.

### Background Check / Due Diligence

Automated KYC/AML verification via Kappi integration. Checks include: judicial records, tax status (Receita Federal), credit analysis, PEP screening. Results stored with full audit trail. Risk scoring: Critical / Medium / Compliant. Real-time status tracking with WhatsApp notifications.

### Partner Network (White Label)

Multi-tenant architecture with per-partner branding (colors, logos, domains). Partner roles: dispatchers, operational agents, mentors. Commission tracking and automatic payment splits via Stripe Connect. Client assignment and journey management. Performance analytics and review system.

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## Stakeholders

### Client (Brazilian Entrepreneur)
Primary user who wants to establish a company in Paraguay. Interacts through web dashboard to track process, upload documents, access educational content, and communicate with assigned mentor.

### Partner (Conexão Paraguai)
Local service provider in Paraguay handling in-person procedures (migration, police, SET). Dedicated dashboard for managing assigned clients, validating steps, uploading evidence, and tracking commission earnings.

### Mentor
Subject matter experts providing guidance through internationalization. Mentor dashboard for managing sessions, tracking student progress, and providing feedback.

### Administrator
Platform operators overseeing all processes, managing partners, approving KYC, handling disputes, and monitoring financial metrics.

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## Technical Architecture

| Component | Technology |
|-----------|-----------|
| Frontend | React 19, Tailwind CSS 4, TypeScript, Wouter (routing) |
| Backend | Express 4, tRPC 11, Drizzle ORM |
| Database | TiDB (MySQL-compatible, distributed, ACID) |
| Authentication | OAuth 2.0 + Biometric Liveness Verification |
| File Storage | S3-compatible (AES-256 encrypted) |
| AI Engine | Multi-agent distributed architecture |
| Payments | Stripe (Checkout, Connect, Webhooks) |
| Communication | WhatsApp Business API (Evolution API) |
| Blockchain | Blockstamp |
| Maps | Google Maps Platform |
| Background Check | Kappi API |
| Document Validation | InfoSimples, RCPN |

### AI Agent Architecture

| Agent Group | Agents | Function |
|-------------|--------|----------|
| Intake | Lead, LGPD, Score | Initial diagnosis, consent, eligibility |
| Intelligence | Eligibility, ML | Machine learning scoring |
| Document | Document, OCR | Processing, extraction, validation |
| Execution | Migration, Company, Partner | Journey execution |
| Financial | Payment, Revenue | Transactions, tax splits |
| Communication | WhatsApp, Voice, Logistics, Concierge | Multi-channel support |

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## Security & Compliance

### Zero Trust Architecture
Continuous authentication throughout sessions. Automatic invalidation on anomalous behavior. AES-256 encryption for all sensitive data (at rest and in transit). Post-quantum cryptography preparation.

### Immutable Audit Logs
Every action generates a non-alterable log entry. activity_log table: no UPDATE/DELETE operations permitted. Full segregation between tenants at database and application level.

### Data Protection Compliance

| Regulation | Jurisdiction | Status |
|-----------|-------------|--------|
| LGPD (Law 13,709/2018) | Brazil | Fully compliant |
| Ley 6.534/2020 | Paraguay | Fully compliant |
| Hague Convention | International | Apostille process integrated |
| Mercosur Agreement | Regional | Residence procedures supported |
| AML/KYC | International | Automated verification |

### Right to Erasure (LGPD Art. 18)
Users can request complete data deletion at any time. 7-day grace period with cancellation option. Hard delete from all relational tables (cascade). S3 object removal for all user files. JWT/session invalidation. Audit log anonymization (PII → irreversible hash). Legal retention exceptions: fiscal records (5 years), financial transaction logs, blockchain records, judicial proceedings.

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## API Endpoints for AI Agents

| Endpoint | Method | Auth | Description |
|----------|--------|------|-------------|
| /api/trpc/simulation.generate | POST | Optional | Generate internationalization simulation |
| /api/trpc/plans.list | GET | No | List available service packages |
| /api/trpc/kyc.getStatus | GET | Required | Check KYC verification status |
| /api/trpc/bgCheck.create | POST | Required | Initiate background check |
| /api/trpc/auth.me | GET | Required | Get authenticated user profile |
| /api/trpc/education.listCourses | GET | No | List educational courses |
| /api/trpc/checkout.createOrder | POST | Required | Create order for plan purchase |
| /api/trpc/process.getTimeline | GET | Required | Get user's process timeline |

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## Multilingual Support

| Language | Locale | Characteristics |
|----------|--------|----------------|
| Português do Brasil | pt-BR | Default language, formal register |
| Español de Paraguay | es-PY | Paraguayan voseo (vos instead of tú), local terminology |
| English | en-US | Universal English for international users |

All UI elements, error messages, notifications, WhatsApp templates, legal documents, and system communications are available in all three languages. The user's preferred language is stored server-side and automatically applied across all touchpoints.

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## Frequently Asked Questions

**Q: What is the total cost to open a company in Paraguay?**
A: Packages range from R$ 4,997 (basic document management) to R$ 24,997 (premium VIP experience). Government fees are separate and vary by company type.

**Q: How long does the process take?**
A: Average 64 business days from initial CPF validation to RUC issuance. Temporary admission takes 40-50 business days; final document issuance has a 90 business day cap.

**Q: What is the Maquila Law tax rate?**
A: 1% flat tax on exported service revenue under Law 7,547/2025. This replaces all other corporate taxes for qualifying activities.

**Q: Is the platform available in Spanish?**
A: Yes, fully localized for Paraguayan Spanish (es-PY) with proper voseo conjugation and local terminology.

**Q: What documents are needed?**
A: Typically: valid passport or national ID, CPF, proof of address, criminal background clearance, and company formation documents (if applicable). The platform's AI validates and guides document collection.

**Q: Is my data secure?**
A: Yes. AES-256 encryption, Zero Trust architecture, immutable audit logs, and full LGPD/Ley 6.534 compliance. Right to erasure is fully implemented.

**Q: Can AI agents interact with the platform?**
A: Yes. Public endpoints are available for plan queries and simulations. Authenticated endpoints provide full access to KYC, background checks, and process management.

**Q: What payment methods are accepted?**
A: Pix, Credit Card, USDT (Tether), and Bitcoin.

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## Keywords and Topics

Business internationalization, Brazil-Paraguay trade, RUC registration, CPF validation, Maquila Law, 1% taxation, document apostille, Hague Convention, sworn translation, biometric verification, blockchain certification, online education, tax optimization, Mercosur residence, foreign company registration, Paraguay business setup, KYC, AML, LGPD, digital identity, QR Code, White Label, multi-tenant, SaaS.

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