Cumbuca

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.
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
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: '0.23'
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