CUMBUCA — FACT SHEET
====================
As of May 2026

COMPANY
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Legal name:     CUMBUCA Instituição de Pagamento Ltda.
CNPJ:           44.353.942/0001-29
Headquarters:   São Paulo, Brazil
Website:        https://cumbuca.com

REGULATORY STATUS
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License type:   Payment Institution (IP)
Modality:       Iniciador de Transações de Pagamento (ITP)
Regulator:      Banco Central do Brasil (BCB)
Authorization:  Resolução BCB nº 80, de 25 de março de 2021

INVESTORS
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Y Combinator — S21 batch (Summer 2021)
Lightspeed Venture Partners

PRODUCT
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Layer-7 regulatory proxy for Brazil's Pix instant payments and Open Finance networks.
Companies integrate via Cumbuca's API using their own infrastructure — no Brazilian
license required, no middleware lock-in.

NETWORKS COVERED
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- Pix (Brazilian Central Bank instant payment network)
- Open Finance Brazil (BCB-regulated open banking framework)
- SCR (Sistema de Informações de Crédito — credit bureau, coming soon)

TRACTION
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Active Open Finance consents:   3.1 million (May 2026)

LEADERSHIP
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Daniel Ruhman — Co-founder & CEO
Ana — Leadership team

PRESS COVERAGE (selected)
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FinTech Futures, The Fintech Times, Finextra, PYMNTS, VentureBeat,
The Banker (FT Group), Yahoo Finance, Hogan Lovells, Finovate,
Pipeline Valor (Globo), Retail Banker International, Financial IT
45+ articles since launch (Dec 2025)
Full list: https://cumbuca.com/newsroom/

PRESS CONTACT
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English:    press@cumbuca.com
Portuguese: imprensa@cumbuca.com
Response:   within 1 business day
