Direct access to Brazil's financial system

No middleware. No rigid API's. No Banking license required

Get in touch

Get in touch

Cumbuca offers what no BaaS can: total control over your financial infrastructure.

Build directly on the Central Bank’s APIs, using our license as your regulatory bridge.

Cumbuca offers what no BaaS can: total control over your financial infrastructure.

Build directly on the Central Bank’s APIs, using our license as your regulatory bridge.

Cumbuca offers what no BaaS can: total control over your financial infrastructure.

Build directly on the Central Bank’s APIs, using our license as your regulatory bridge.

Sua Solução

BACEN

Sua Solução

BACEN

Sua Solução

BACEN

“ For years, building an innovative fintech solution in Brazil meant choosing between two bad options: using a BaaS provider with limited APIs or spending years obtaining a banking license.

Cumbuca changes that by offering the thinnest layer between you and the Central Bank's APIs, empowering developers to build with bare metal access„

user pic

CEO of Cumbuca & Founder of INIT

PRODUCTS

Build on the core with Cumbuca

From payment initiation to data access. Select the modules that fit your product roadmap

Acquirer

Acquiring, PIX Split, Merchant of Record

Acquirer

Acquiring, PIX Split, Merchant of Record

Acquirer

Acquiring, PIX Split, Merchant of Record

Payment Initiation Provider (PIP)

Payment initiation, SCR, DICT, and Data Access

Payment Initiation Provider (PIP)

Payment initiation, SCR, DICT, and Data Access

Payment Initiation Provider (PIP)

Payment initiation, SCR, DICT, and Data Access

Electronic Money Issuer

PIX, Business Account Opening, Enhanced Custody Monetization

Electronic Money Issuer

PIX, Business Account Opening, Enhanced Custody Monetization

Electronic Money Issuer

PIX, Business Account Opening, Enhanced Custody Monetization

COMPARAÇÃO

Why Cumbuca stands Out

A side-by-side comparison of Cumbuca, traditional BaaS providers, and operating under your own license

Total control over your infrastructure development

You build your own risk policy

Full operational control

Migrate to your own license anytime

Specialized team with regulatory and tech know-how

BaaS

Limited by rigid API's with poor documentation

Subject to providers risk averse policies

Unexpected downtimes, generic suport and poor SLA's

Vendor lock-in

Non tecnical account manager, just want's to sell

We are responsible for regulatory capital

Acting as statutory directors, we assume responsibility and D&O costs

We handle the heavy lifting of compliance, you focus on building

We take care of central bank relations

Our structure and processes are 100% compliant

Sua própria IP regulada

Regulatory capital is a cost

Você é o diretor estatutário e paga o seguro D&O (Directors & Officers)

Internal compliance team needed

Mandatory reports, support and monitoring

Mandatory periodic audit of operations and change to COSIF reporting

PROCESS

How Cumbuca Works

Empowering developers with direct , bare metal and compliant access to Brazil's financial infrastructure.

1º PASSO

2º PASSO

3º PASSO

01

Understanding Your Operation

We begin by analyzing your company's operations to identify how we can support you. Together, we'll determine which services we can provide immediately and what needs to be developed specifically to meet your requirements.

1º PASSO

2º PASSO

3º PASSO

  • class PixDictClient:

    def __init__(self, base_url: str, cert_file: str, key_file: str, ca_bundle: str):
    self.session = requests.Session()
    self.session.cert = (cert_file, key_file)
    self.session.verify = ca_bundle
    self.session.headers.update({'Accept-Encoding': 'gzip'})
    self.base_url = base_url.rstrip('/')

    def get_entry(self, pix_key: str) -> dict | None:
    url = f"{self.base_url}/v2/entries/{pix_key}"
    resp = self.session.get(url)
    if resp.status_code == 200:
    return resp.json()
    if resp.status_code == 404:
    return None
    resp.raise_for_status()

    def check_key(self, pix_key: str) -> dict:
    url = f"{self.base_url}/v2/entries/check"
    payload = {"key": pix_key}
    resp = self.session.post(url, json=payload)
    resp.raise_for_status()
    return resp.json()

  • class PixDictClient:

    def __init__(self, base_url: str, cert_file: str, key_file: str, ca_bundle: str):
    self.session = requests.Session()
    self.session.cert = (cert_file, key_file)
    self.session.verify = ca_bundle
    self.session.headers.update({'Accept-Encoding': 'gzip'})
    self.base_url = base_url.rstrip('/')

    def get_entry(self, pix_key: str) -> dict | None:
    url = f"{self.base_url}/v2/entries/{pix_key}"
    resp = self.session.get(url)
    if resp.status_code == 200:
    return resp.json()
    if resp.status_code == 404:
    return None
    resp.raise_for_status()

    def check_key(self, pix_key: str) -> dict:
    url = f"{self.base_url}/v2/entries/check"
    payload = {"key": pix_key}
    resp = self.session.post(url, json=payload)
    resp.raise_for_status()
    return resp.json()

02

Develop Your Own Infrastructure

Now it's your turn to build your own financial infrastructure and technology, with complete creative freedom. During this process, count on our support to clarify any questions about development, utilization of the Central Bank's APIs, and technical or regulatory issues.

1º PASSO

2º PASSO

3º PASSO

01

Understanding Your Operation

We begin by analyzing your company's operations to identify how we can support you. Together, we'll determine which services we can provide immediately and what needs to be developed specifically to meet your requirements.

BENEFITS

Why choose Cumbuca?

Developer Autonomy

Tailor your tech stack to meet your specific needs, ensuring optimal performance and scalability

Developer Autonomy

Tailor your tech stack to meet your specific needs, ensuring optimal performance and scalability

Developer Autonomy

Tailor your tech stack to meet your specific needs, ensuring optimal performance and scalability

Operational Stability

Connect directly to the Central Bank's APIs, ensuring consistent and reliable performance. No middle man.

Operational Stability

Connect directly to the Central Bank's APIs, ensuring consistent and reliable performance. No middle man.

Operational Stability

Connect directly to the Central Bank's APIs, ensuring consistent and reliable performance. No middle man.

Quality in Your Hands

Maintain complete responsibility for your service quality, eliminating dependencies on third-party providers.

Quality in Your Hands

Maintain complete responsibility for your service quality, eliminating dependencies on third-party providers.

Quality in Your Hands

Maintain complete responsibility for your service quality, eliminating dependencies on third-party providers.

Accelerated Time-to-Market

Your product launch schedule is dictated solely by your development capabilities.

Accelerated Time-to-Market

Your product launch schedule is dictated solely by your development capabilities.

Accelerated Time-to-Market

Your product launch schedule is dictated solely by your development capabilities.

Regulatory Compliance Simplified

We manage the regulatory requirements, including capital obligations, so you can focus on your customers.

Regulatory Compliance Simplified

We manage the regulatory requirements, including capital obligations, so you can focus on your customers.

Regulatory Compliance Simplified

We manage the regulatory requirements, including capital obligations, so you can focus on your customers.

Ownership of Your Technology

When you're ready to obtain your own license, migrate your infrastructure from our license to yours without disrupting operations.

Ownership of Your Technology

When you're ready to obtain your own license, migrate your infrastructure from our license to yours without disrupting operations.

Ownership of Your Technology

When you're ready to obtain your own license, migrate your infrastructure from our license to yours without disrupting operations.

Ready to revolutionize your fintech solutions in Brazil?

Your Vision, Our Infrastructure

Get in touch

suporte@cumbuca.com

Entre em contato a qualquer momento

Alcance o que quiser com a Cumbuca

Entre em contato

suporte@cumbuca.com

Entre em contato a qualquer momento

Alcance o que quiser com a Cumbuca

Entre em contato

suporte@cumbuca.com

A  CUMBUCA INSTITUIÇÃO DE PAGAMENTO LTDA, inscrita no CNPJ/MF sob o nº 44.353.942/0001-29, possui autorização como Instituição de Pagamento (IP), na modalidade de Iniciadora de Transação de Pagamento (ITP) regulamentada pelo Banco Central do Brasil, nos termos da Resolução BCB n° 80 de 25/3/2021, e é uma subsidiária da empresa FAMILIA CUMBUCA HOLDING LTDA, inscrita no CNPJ/MF sob o nº 32.670.659/0001-41. Também faz parte do mesmo grupo econômico a CUMBUCA SERVIÇOS DE TECNOLOGIA LTDA, inscrita no CNPJ/MF sob o nº 50.271.185/0001/47.





A  CUMBUCA INSTITUIÇÃO DE PAGAMENTO LTDA, inscrita no CNPJ/MF sob o nº 44.353.942/0001-29, possui autorização como Instituição de Pagamento (IP), na modalidade de Iniciadora de Transação de Pagamento (ITP) regulamentada pelo Banco Central do Brasil, nos termos da Resolução BCB n° 80 de 25/3/2021, e é uma subsidiária da empresa FAMILIA CUMBUCA HOLDING LTDA, inscrita no CNPJ/MF sob o nº 32.670.659/0001-41. Também faz parte do mesmo grupo econômico a CUMBUCA SERVIÇOS DE TECNOLOGIA LTDA, inscrita no CNPJ/MF sob o nº 50.271.185/0001/47.