# Cumbuca

**Canonical:** https://apis.io/providers/cumbuca/  
**Website:** https://cumbuca.com/  
**APIs profiled:** 0

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.

## Kin Score — 31.5 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 31.5).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 40.5 |
| Commercial Clarity | 18.4 |
| Access Clarity | 18.4 |

Regulatory layer — **Banking & Open Finance**: 79.7 (matched via tags).

## Agent readiness — 21.4 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | verified |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## MCP servers (1)

- **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...

## Security (3)

- **Cumbuca Authentication** — oauth2/openIdConnect/mutualTLS · 3 schemes
- **Cumbuca Domain Security** — TLSv1.3 · HSTS · DMARC
- **Cumbuca Vulnerability Disclosure** — security.txt · contact published

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/cumbuca/). Scores are computed from the provider's own public artifacts under a published rubric.