Static Bre-B Keys

Always-On, Key-Based Incoming Payments

Static Bre-B Keys at Cobre enable businesses to receive payments in Colombia using a persistent, reusable identifier linked to a Cobre Balance. Unlike dynamic payment requests, static keys remain constant over time and can be shared broadly, allowing customers to initiate payments at their convenience.

This model is ideal for open-ended collections, where the payer decides when and how much to pay.

1. What Cobre Enables with Static Bre-B Keys

With Static Bre-B Keys, Cobre allows businesses to:

Assign a persistent Bre-B key to a Cobre Balance

Receive instant credits via the Bre-B network

Share a single identifier across multiple payers

Collect funds without generating individual payment requests

Track incoming payments directly at the balance and transaction level

Static Bre-B Keys turn a Cobre Balance into a public, always-available payment endpoint.

2. Static Bre-B Keys in the Cobre Model

A Static Bre-B Key is:

Directly associated with a specific Cobre Balance

Reusable and not tied to a specific payment amount or payer

Valid until explicitly disabled or canceled

When a payer sends money using the key:

Funds are credited directly to the linked Cobre Balance

A transaction is generated reflecting the incoming payment

Importantly, no Money Movement object is created in advance to track status, since the payment is initiated entirely by the payer.

3. Personalization Options for Static Bre-B Keys

Cobre allows businesses to personalize their static Bre-B keys, making them easier to recognize and share.

Available Personalization Types

ID-based
Uses part of the client’s identification number

Legal name–based
Uses characters derived from the registered legal name

Random
Generates a short, random alphanumeric key

Custom name (Coming Soon)
Will allow fully custom, user-defined key values

Personalized keys improve brand recognition and reduce the chance of payment errors.

4. How Collections Work Without a Money Movement

Static Bre-B collections differ from Request to Pay or Checkout flows.

Key Differences

No pre-created payment request

No Money Movement lifecycle (created → approved → completed)

The Bre-B key itself acts as the payment reference

Each incoming payment:

Is independently initiated by the payer

Results in a credit transaction on the Cobre Balance

Can be reconciled using transaction metadata and timestamps

This simplifies open collections while preserving traceability.

5. Speed & Settlement

Collections through Static Bre-B Keys are:

Immediate

Settled in real time

Final upon credit

Funds become available in the Cobre Balance as soon as the payer authorizes the transfer.

6. Typical Use Cases for Static Bre-B Keys

Static Bre-B Keys are well suited for:

Open invoice payments

Donations and contributions

Small business collections

Recurring but payer-initiated payments

Public-facing payment identifiers

They are especially useful when amounts and timing vary.

7. Tracking & Reconciliation

Even without a Money Movement object, Cobre provides:

Transaction records for every incoming payment

Balance-level visibility

Timestamps and identifiers for reconciliation

Webhooks notifications are available to track the credit transactions at the moment they occur

Finance teams can reconcile collections using standard transaction reports.

8. Static vs Dynamic Bre-B Collections

Dimension	Static Bre-B Key	Dynamic Bre-B (R2P / Checkout)
Key usage	Reusable	One-time
Amount	Open	Fixed
Initiation	Payer	Client
Money Movement	No	Yes
Reconciliation	Transaction-based	Money Movement Request-based
UX control	Payer-driven	Client-driven

Both models can coexist depending on the business need.

9. Governance & Control

Static Bre-B Keys can be:

Disabled or canceled if needed

Rotated to new keys

Reassigned to different balances (when supported)

This ensures long-lived keys remain manageable and secure.

10. Summary — What Cobre Delivers with Static Bre-B Keys

With Static Bre-B Keys, Cobre enables:

Always-on collections via Bre-B
Persistent, shareable payment identifiers (i.e., the Bre-B Key)
Personalized keys for easier recognition
Immediate balance crediting
Simplified collections without request management

Cobre’s Static Bre-B Keys provide a simple, scalable, and bank-native way to receive payments, ideal for open-ended and payer-initiated collection scenarios.

Static Bre-B Keys

Always-On, Key-Based Incoming Payments#

1. What Cobre Enables with Static Bre-B Keys#

2. Static Bre-B Keys in the Cobre Model#

3. Personalization Options for Static Bre-B Keys#

Available Personalization Types#

4. How Collections Work Without a Money Movement#

Key Differences#

5. Speed & Settlement#

6. Typical Use Cases for Static Bre-B Keys#

7. Tracking & Reconciliation#

8. Static vs Dynamic Bre-B Collections#

9. Governance & Control#

10. Summary — What Cobre Delivers with Static Bre-B Keys#