# Originators

Originators are companies with an already established customer network and that are interested in offering banking services to this group or optimizing a financial service they already offer. The initial focus is on fintech companies and credit operators.\
\
They can use the AmFi platform to create a financial product or migrate it to the blockchain, enjoying all the associated benefits. \
\
There are numerous advantages to setting up a financial product within AmFi, but we can mention the following as major benefits: 

* Lower initial capital, setup and maintenance costs 
* Faster structuring of a financial product and disbursement of funds
* The possibility of running the operation with fewer employees
* Better accessibility, especially for SMEs and new market entrants 
* Fewer service providers, resulting in a cheaper, more transparent and efficient financial product

**Here is an example of the diference between an AmFi Pool and a FIDC (a type of credit fund widely used in Brazil):**

<figure><img src="https://1852885748-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FvcB1zKMFZ0FDNDv44DLY%2Fuploads%2F4YBcVw38ctXIWlFy2glo%2FIngl%C3%AAs_01.png?alt=media&#x26;token=c96e2939-fecd-4e52-b92c-5f1513ecfc7d" alt=""><figcaption></figcaption></figure>

<figure><img src="https://1852885748-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FvcB1zKMFZ0FDNDv44DLY%2Fuploads%2FWBvhAzgNaNWoubpBGzP3%2FIngl%C3%AAs_02.png?alt=media&#x26;token=e4acfe94-cef9-44aa-835e-9c949cd8d2f7" alt=""><figcaption></figcaption></figure>

Find out how we managed to reduce costs and increase efficiency [here](https://docs.amfi.finance/home/participants/originators/how-we-managed-to-reduce-costs-and-increase-efficiency).