CUMBUCA · FACT SHEET
====================
As of October 2026


COMPANY
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Legal name:     CUMBUCA Instituição de Pagamento Ltda.
Tax ID:         Cadastro Nacional da Pessoa Jurídica (CNPJ) 44.353.942/0001-29
Headquarters:   São Paulo, Brazil
Website:        https://www.cumbuca.com


REGULATORY STATUS
-----------------
License type:   Payment Institution (IP)
Modality:       Payment Transaction Initiator (ITP)
Regulator:      Central Bank of Brazil (BCB)


CO-FOUNDERS
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Daniel Ruhman
Bruno Cury
Pedro Castilho


INVESTORS
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Y Combinator (S21)
Supera Capital
Lightspeed (Cumbuca is the only Brazilian company Lightspeed has backed to date)


PRODUCTS
--------
- Pix payments and collections: one-off and recurring payments, from Pix
  Automático to Smart Transfers (Transferências Inteligentes).
- Open Finance data: transaction history from the last 12 months, contracted
  financial products, registration data and more.
- Credit Information System (SCR) data: the customer's credit operations
  and the status of each (current or overdue).


SOLUTIONS
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- Cumbuca infrastructure: a complete, end-to-end solution, offered as
  Software as a Service (SaaS). Companies can move to their own
  infrastructure in the future.
- Your own infrastructure: the company builds its integration and Cumbuca
  signs the requests with its own certificates, acting as a proxy.


TRACTION
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Active Open Finance consents:  15+ million (October 2026)
Weekly growth:                 500,000+ new consents per week, the fastest pace
                               among all Open Finance Brasil participants
Ranking:                       receiving the most consents in 2026 (January to
                               date) among all receiving institutions, banks
                               included


CAPACITY
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Throughput:     52,000 requests per second sustained under realistic load
Availability:   99.9% Service Level Agreement (SLA), across multiple Availability
                Zones (multi-AZ) with automatic failover
Headroom:       1,200x the weekly call peak of the ecosystem's largest payment
                initiator
Error rate:     0.001% (8 errors in 775,344 requests, production-calibrated
                scenario)
Full report:    https://www.cumbuca.com/en/scale-report


PRESS COVERAGE (selected)
-------------------------
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 (December 2025)
Newsroom: https://www.cumbuca.com/en/about#newsroom


PRESS CONTACT
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imprensa@cumbuca.com
