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 📡 Profile data on GitHub

27.6/100 thin ▬ flat Agent 27/100 agent aware Front door AI 1/6 silent Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs 1 MCP Servers

Company Fintech Open Finance Pix Payments Banking Brazil Open Banking Financial Data MCP

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 27.6/100 · thin

Contract Quality 0.0 / 21

Developer Ergonomics 6.9 / 17

Access Clarity 3.1 / 17

Operational Transparency 2.9 / 11

Contract Governance 1.9 / 10

Discoverability 5.0 / 9

Regulatory Posture 7.4 / 15

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 18.4 — up to +16.3 composite points
Developer Ergonomics scores 40.5 — up to +11.9 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/cumbuca/apis.yml: open an issue on github.com/api-evangelist/cumbuca to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
OpenID Certified Implementations (OIDC, FAPI, OpenID4VC)	regulated	41.4 (thin)	-	-
Brazil BCB Authorized Institutions (Banco Central do Brasil register beyond Pix)	regulated	41.4 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 3

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (verified)

OAuth 2.0 Protected Resource Metadata

measured — observed by APIs.io (verified)

Dynamic Client Registration

measured — observed by APIs.io (published)

MCP Servers 1

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

Open Finance Data MCP

Hosted, remote MCP server that connects a user's Brazilian bank accounts to an AI assistant (Claude, ChatGPT, Cursor) through Open Finance. Exposes bank statement and credit-car...

MCP SERVER

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Cumbuca Authentication

oauth2/openIdConnect/mutualTLS · 3 schemes

SECURITY

Cumbuca Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Cumbuca Vulnerability Disclosure

security.txt · contact published

SECURITY

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.
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: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  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'
x-docs-platform: gitbook
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-09-24
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

Cumbuca API — frequently asked questions

How do I authenticate with the Cumbuca API?

Cumbuca documents its authentication (oauth2/openIdConnect/mutualTLS · 3 schemes). The details are profiled on APIs.io as Cumbuca Authentication.

Does Cumbuca have an MCP server?

Yes. APIs.io lists 1 MCP server for Cumbuca: Hosted, remote MCP server that connects a user's Brazilian bank accounts to an AI assistant (Claude, ChatGPT, Cursor) through Open Finance. Exposes bank statement and credit-card transaction data for

Is the Cumbuca API ready for AI agents?

Cumbuca has a Kin Score of 27.6 out of 100 (thin) and an Agent Readiness score of 27.3 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

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get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
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