Cumbuca

Cumbuca is a Banco Central do Brasil-licensed Payment Institution that provides regulated "proxy" access to Brazil's Pix and Open Finance networks. Acting as a thin, transparent layer with a 1:1 mapping to the official Open Finance Brasil and Central Bank API specifications, it forwards cryptographically signed requests between client infrastructure and the regulated ecosystem so fintechs can build directly on the rails without holding their own license (zero lock-in via certificate swap when they obtain one). Capabilities span Pix payment initiation, Open Finance account and credit-data access, recurring payments, and SCR credit-information queries, with a 0ms median latency overhead and a 99.99% availability SLA. Founded in 2021 in Sao Paulo and backed by Lightspeed Venture Partners and Y Combinator, Cumbuca also ships an Open Finance Data MCP server, the Regulus regulatory AI assistant, public status pages, and the open-source Open Finance Playground developer guide built with Juspay.

Cumbuca is profiled on the APIs.io network. Tagged areas include Company, Fintech, Open Finance, Pix, and Payments.

Cumbuca’s developer surface includes documentation, getting-started guide, engineering blog, support, authentication, and 14 more developer resources.

🌐 Visit website 📡 Source on GitHub

33.2/100 thin ▬ flat Agent 28/100 agent aware Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessSelf serve

0 APIs 1 MCP Servers

CompanyFintechOpen FinancePixPaymentsBankingBrazilOpen BankingFinancial DataMCP

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 33.2/100 · thin

Contract Quality 0.0 / 25

Developer Ergonomics 9.1 / 20

Commercial Clarity 3.7 / 20

Operational Transparency 3.4 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 28/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 3 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/cumbuca: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Scopes 1

OAuth scopes governing access to this provider's APIs.

Cumbuca Scopes

4 scopes · authorizationCode

4 scopes

SCOPES

Resources

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Conformance

Conformance

Access & Security 7

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

SecurityTxt

SecurityTxt

Security

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

Authentication

Authentication

OAuthScopes

OAuthScopes

Compliance

Compliance

Scroll for all 7

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: cumbuca
name: Cumbuca
description: Cumbuca is a Banco Central do Brasil-licensed Payment Institution that provides regulated "proxy" access to Brazil's
  Pix and Open Finance networks. Acting as a thin, transparent layer with a 1:1 mapping to the official Open Finance Brasil
  and Central Bank API specifications, it forwards cryptographically signed requests between client infrastructure and the
  regulated ecosystem so fintechs can build directly on the rails without holding their own license (zero lock-in via certificate
  swap when they obtain one). Capabilities span Pix payment initiation, Open Finance account and credit-data access, recurring
  payments, and SCR credit-information queries, with a 0ms median latency overhead and a 99.99% availability SLA. Founded
  in 2021 in Sao Paulo and backed by Lightspeed Venture Partners and Y Combinator, Cumbuca also ships an Open Finance Data
  MCP server, the Regulus regulatory AI assistant, public status pages, and the open-source Open Finance Playground developer
  guide built with Juspay.
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://cumbuca.com/assets/og-home.png
url: https://raw.githubusercontent.com/api-evangelist/cumbuca/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- lightspeed-venture-partners
x-tier: enriched
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Open Finance
- Pix
- Payments
- Banking
- Brazil
- Open Banking
- Financial Data
- MCP
apis: []
common:
- type: DomainSecurity
  url: security/cumbuca-domain-security.yml
- type: Website
  url: https://cumbuca.com/
- type: Documentation
  name: Open Finance Playground
  url: https://juspay-2.gitbook.io/open-finance/pt
- type: GettingStarted
  name: Open Finance Playground
  url: https://juspay.io/open-finance
- type: Blog
  name: Newsroom
  url: https://www.cumbuca.com/en/newsroom/
- type: Support
  url: https://cumbuca.com/contact/
- type: PrivacyPolicy
  url: https://cumbuca.com/privacy/
- type: StatusPage
  url: https://via.cumbuca.com/
- type: Lifecycle
  url: lifecycle/cumbuca-lifecycle.yml
- type: MCPServer
  name: Open Finance Data MCP
  url: mcp/cumbuca-mcp.yml
- type: WellKnown
  url: well-known/cumbuca-well-known.yml
- type: SecurityTxt
  url: well-known/cumbuca-security.txt
- type: Security
  url: https://cumbuca.com/.well-known/security.txt
- type: VulnerabilityDisclosure
  url: security/cumbuca-vulnerability-disclosure.yml
- type: Authentication
  url: authentication/cumbuca-authentication.yml
- type: OAuthScopes
  url: scopes/cumbuca-scopes.yml
- type: Conformance
  url: conformance/cumbuca-conformance.yml
- type: Compliance
  name: Bacen-regulated Payment Institution + Cybersecurity Policy
  url: https://cumbuca.com/politica-de-seguranca-cibernetica/
- type: LLMsTxt
  url: llms/cumbuca-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence