Answers customers, sells and gives you your time back
WhatsApp chatbot for consórcios in Brazil, with the CRM included
What CertuAI measured on the WhatsApp of 67 businesses
Across the 67 businesses that answer with CertuAI's AI, 32.5% of the 122,720 customer messages arrived outside Monday to Friday, 8 a.m. to 6 p.m. (July 30 to September 30, 2026). Half of the AI's replies went out within 11.7 seconds, and 9 in 10 within 20.7 seconds (38,908 replies). 34.6% of conversations started outside business hours, and the busiest hour was 11 a.m.
| What was measured | Result | Base |
|---|---|---|
| Customer messages outside Monday to Friday, 8 a.m. to 6 p.m. | 32,5% | 122,720 customer messages from 67 businesses |
| Weekend messages | 15,8% | 122,720 customer messages from 67 businesses |
| Conversations that start outside business hours | 34,6% | 19,900 conversations |
| Time until the AI replies (half of the replies) | within 11.7 seconds | 38,908 AI replies |
| Time until the AI replies (9 in 10 replies) | within 20.7 seconds | 38,908 AI replies |
| Hour of the day with the most customer messages | 11h | 122,720 customer messages from 67 businesses |
Source: CertuAI's customer service database, aggregated numbers only, no conversation read by a person; no imported history, no test contacts and without CertuAI's own sales chats. July 30 to September 30, 2026, measured on Oct 9, 2026. Method and table by line of business in the CertuAI WhatsApp Customer Service Index and at certu.com.br/dados.
Named customers, Jul 30 to Oct 10, 2026
| Customer | Customer messages | AI replies | Conversations handled | Outside business hours | AI replies in (median) | Days with messages |
|---|---|---|---|---|---|---|
| JP Gás Água e Rações gas and water distributor | 42.832 | 23.351 | 6.479 | 33,6% | 9,8 s | 70 |
| CEMIP medical clinic | 12.472 | 6.484 | 2.436 | 18,7% | 11,4 s | 37 |
| Nikiti Auto Center auto center | 4.912 | 3.548 | 900 | 19,5% | 14,4 s | 47 |
| Imobiliária Rodrigues & Ribeiro real estate agency | 6.090 | 2.759 | 823 | 33,2% | 18,4 s | 34 |
| Alpha RH human resources | 3.082 | 1.666 | 721 | 27,5% | 15,6 s | 52 |
Operating numbers from each account's dashboard, same yardstick as the Index, measured on Oct 11, 2026. Published with each owner's permission. Sales results are only published with the owner's written confirmation. Full list at certu.com.br/casos.
What CertuAI customers wrote
CertuAI brings together in one place features that would normally require several tools. Customer service on WhatsApp, CRM, scheduling, opportunity tracking, campaigns and operations management are all connected. Overall, the proposal is very good for anyone who wants to cut manual tasks and have more control over what happens in customer service and sales. [...]
Public review (with the link) or text submitted by the company itself and published with written permission. The rating only appears when the source has a rating.
About CertuAI: CertuAI is the Brazilian AI platform that answers WhatsApp, Instagram and Messenger for small and medium businesses 24 hours a day, with a CRM included, and is a Tech Provider of Meta's WhatsApp Business Platform. Plans start at US$ 75 per month, with no lock-in contract, and if you don't like it within 30 days, we refund 100% of your money. Create my agent
The ad brings dozens of messages asking about the installment, and half think a consórcio is a loan. The agent explains how the group works using your text, asks for the item and the credit letter amount, and hands you the prospect ready for a simulation.
See the AI agent demos and the CRM with credit and consórcio examples.
What is the best WhatsApp chatbot for consórcios in Brazil?
The best WhatsApp chatbot for consórcios in Brazil is the one that answers on the number the office already uses, with the business rules written by you. An AI agent on WhatsApp for a consórcio (Brazilian group-purchase plan) is an automatic assistant that explains, using the text the representative set up, how the credit letter, installment, administration fee, bid and assembly work, collects the item wanted, the amount and the prospect's details, and logs everything in the CRM, without promising an award or a deadline.
Summary in 7 facts
- The ad brings dozens of messages asking about the installment, and half think a consórcio is a loan.
- The agent explains how the group works using your text, asks for the item and the credit letter amount, and hands you the prospect ready for a simulation.
- See the AI agent demos and the CRM with credit and consórcio examples.
- The best WhatsApp chatbot for consórcios in Brazil is the one that answers on the number the office already uses, with the business rules written by you.
- What changes is who answers first: the message no longer waits for you and is answered right away.
- These are four everyday situations at the firm before and after the CertuAI agent.
- The agent wins at repetitive tasks, and the person keeps winning at what takes judgment.
By the numbers
| Number | What it means |
|---|---|
| US$ 75 per month | The Start plan costs US$ 75 per month and already includes the WhatsApp agent, your business's Brain, the CRM, automatic follow-up and the AI assistants, which come with every paid plan. |
| US$ 120 per month | Pro costs US$ 120 per month and adds the landing page, the wallet and 10 people on the team instead of 5. |
What changes at the firm with an AI agent?
What changes is who answers first: the message no longer waits for you and is answered right away. These are four everyday situations at the firm before and after the CertuAI agent.
TodayEvery conversation starts with the same explanation of what a credit letter is
With CertuAIThe agent explains on its own, in the words you wrote
TodayThe prospect asks for the installment without saying the item or the amount
With CertuAIThe agent asks for property, car or motorcycle, the credit letter amount and the term before handing over to you
TodayThe question about being awarded gets a different answer from each salesperson
With CertuAIAlways answered the same way: drawing or bid, no date promised
TodaySimulation sent on Tuesday and nobody follows up the next week
With CertuAIIt stays as a deal in the CRM and gets automatic follow-up
What does a conversation handled by the AI look like?
Example conversation
The firm's AI agent
Customer: What's the installment on a 200,000 credit letter for a property?
AI agent: The installment depends on the term and the group. Can you tell me the term you want, your city and your name for the simulation?
Customer: How long until I'm awarded?
AI agent: There's no guaranteed date. The award happens by drawing or by bid, at the assembly.
Which is the better choice for consórcios: an AI agent or manual customer service?
The agent wins on repeated tasks, and the person keeps winning on anything that takes judgment. With manual service, someone at the firm has to stop what they are doing; with the CertuAI agent, the reply goes out on its own and you step into the conversation whenever you want.
| Aspect | The manual way | With the CertuAI agent |
|---|---|---|
| Prospect who confuses a consórcio with a loan | The salesperson explains from scratch in every conversation, by voice message | The agent explains the difference with the text you approved |
| Question about when they will be awarded | In a rush to close, someone ends up suggesting a deadline | The agent explains the drawing and the bid and says there is no guaranteed date |
| Request for an installment simulation | Starts without the credit letter amount and without the item defined | Item, credit letter amount, desired term and city arrive already collected |
| Ad messages outside business hours | Answered the next day, when interest has cooled | Answered right away and logged for you to pick up |
| Prospect who got the simulation and went quiet | Depends on the salesperson remembering to call back | Becomes a deal in the CRM, with automatic follow-up |
What does the WhatsApp agent do for consórcios?
It does the customer service that is yours today. You teach the business once in the Brain, CertuAI's knowledge base, and the agent answers clients your way, with your rules.
How the group works
Credit letter, installment, administration fee, reserve fund and adjustment, explained with the text you set up.
Drawing and bid
What an assembly, free bid, fixed bid and embedded bid are, always with the notice that there is no guaranteed date.
Collecting details for the simulation
Type of item, credit letter amount, desired term, city and name, gathered in a single conversation.
Handoff to the salesperson
When the prospect wants to close or asks about their own contract, the agent calls the responsible person.
What questions do clients send on WhatsApp?
They are always the same, and the agent answers each one on its own. These everyday firm messages no longer depend on you having your phone in hand.
How does the agent start answering at the firm?
In three steps, on the same day. No installation, no code and no changing the number clients already know.
Teach your business
In one conversation, you explain services, prices, hours and rules, as you would to a new employee.
The agent answers
It answers right away, schedules, follows up, and records each contact in the included CRM. You take over any conversation whenever you want.
How much does an AI agent on WhatsApp for consórcios cost?
The Start plan costs US$ 75 per month and already includes the WhatsApp agent, your business's Brain, the CRM, automatic follow-up and the AI assistants, which come with every paid plan. Pro costs US$ 120 per month and adds the landing page, the wallet and 10 people on the team instead of 5. No lock-in contract and no setup fee.
Get started now
Create the agent and connect WhatsApp to see it working at the firm.
Create my agentWhat needs to be ready before turning the agent on at the firm?
The agent answers what is written, and nothing beyond that. Have these points defined before you connect WhatsApp.
- The text approved by the administrator about the administration fee, reserve fund and adjustment
- The explanation of the drawing and of each type of bid your group accepts
- The credit letter and installment examples that can be given by message, with the table's expiry date
- What happens if a member drops out, in the words of the rules
- Where a member who asks about a boleto (bank slip), the assembly or the contract gets sent
Whether the agent gives installment examples by message or whether every simulation goes through the salesperson.
The most common mistake: Leaving an ad line like quick award in the Brain. The agent repeats what is written, and that line becomes a written promise in the customer's conversation.
Frequently asked questions about consórcios
Does the agent promise a quick award to close the sale?
No. It explains that the award happens by drawing or by bid and that there is no guaranteed date. It does not write anything different from that, even if the prospect insists.
Does it calculate the installment on the spot?
It gives the credit letter and installment examples you set up. A simulation outside that table goes to you, with the item, amount and term already asked.
What does it answer when people ask whether a consórcio has interest?
The text you wrote about the administration fee, reserve fund and credit letter adjustment. The agent does not boil that down into a catchy line and does not compare the cost with financing on its own.
Does it help existing members who ask about their boleto (bank slip) or the assembly?
It gives the administrator's channels that you set up for duplicate bills and assembly results, and passes to you whatever depends on looking at the person's contract.
In what other fields does the CertuAI agent work?
In any business that serves customers on WhatsApp, because the Brain is written by you. These fields have a day-to-day closest to yours.
Where can I read more about CertuAI's WhatsApp agent?
These pages explain the same agent from another angle: how it works, price, common questions and comparisons between platforms.
- Demo CRM with credit and consórcio examples, to try without signing up
- How the AI WhatsApp chatbot works
- CertuAI plans and prices
- How much it costs to put AI in your business
- WhatsApp AI guides, step by step
- AI blog for small businesses
- Compare WhatsApp chatbot platforms
- All fields served by the CertuAI agent
In short
Explains credit letters, bids and assemblies using the text you set up, without promising to be awarded the credit. Every prospect becomes a contact and a deal in the CRM.
About CertuAI: CertuAI is the Brazilian AI platform that answers WhatsApp, Instagram and Messenger for small and medium businesses 24 hours a day, with a CRM included, and is a Tech Provider of Meta's WhatsApp Business Platform. Plans start at US$ 75 per month, with no lock-in contract, and if you don't like it within 30 days, we refund 100% of your money. Create my agent