The firts Sponsor Bank in Brazil
Develop your own infrastructure. We provide the license.
Invested by
.
The firts Sponsor Bank in Brazil
Develop your own infrastructure. We provide the license.
Invested by
.
The Cumbuca offers what no BaaS or infratech can: complete control over your financial infrastructure.
The Cumbuca offers what no BaaS can provide: complete control over your financial infrastructure.
Build your infrastructure using BACEN APIs. Our ITProxy receives your requests, enriches them with our credentials, and sends them to BACEN. For your infrastructure, it's as if it has its own license.
Build your infrastructure using the BACEN APIs; our ITProxy receives your requests, enriches them with our credentials, and sends them to BACEN.
YOUR INFRA
PROXY
BACEN
YOUR INFRA
PROXY
BACEN
YOUR INFRA
PROXY
BACEN
"We worked with several BaaS providers and infra-techs during our B2C journey, and our operations and revenue suffered from having intermediaries in our core business. At Cumbuca, our proposal is to be one less middleman. If something fails, you have the independence to fix it - without relying on third parties. "
Daniel Ruhman
CEO Cumbuca
"We worked with several BaaS providers and infra-techs during our B2C journey, and our operations and revenue suffered from having intermediaries in our core business. At Cumbuca, our proposal is to be one less middleman. If something fails, you have the independence to fix it - without relying on third parties. "
Daniel Ruhman
CEO Cumbuca
"We worked with several BaaS providers and infra-techs during our B2C journey, and our operations and revenue suffered from having intermediaries in our core business. At Cumbuca, our proposal is to be one less middleman. If something fails, you have the independence to fix it - without relying on third parties. "
Daniel Ruhman
CEO Cumbuca
Products — ITP
Payment initiation
initiate a payment in the customer's account (e.g., PIX) via Open Finance; JSR is the security envelope (JWT/JWS + mTLS) required to sign and validate requests and responses.
JSR
JSR
JSR
Automatic Pix
Automatic Pix
Automatic Pix
Pix by proximity
Pix by proximity
Pix by proximity
Pix credit (soon)
Pix credit (soon)
Pix credit (soon)
PIX offline (soon)
PIX offline (soon)
PIX offline (soon)
Open Finance Data
Access, with the user's consent, to the financial data held by banks (balances, transactions, products, etc.) for you to understand risk, reconcile, and customize your product.
Transactional data
Transactional data
Transactional data
Registration data
Registration data
Registration data
Registration data
Registration data
Registration data
Investment data
Investment data
Investment data
Corporate data (soon)
Corporate data (soon)
Corporate data (soon)
SCR
Regulated consultation of the client’s credit operations history at the Central Bank (SCR), with express consent and permitted purposes.
Credit data
Credit data
Credit data
Why Cumbuca stands out.
Cumbuca Solution
You own the data of your operation
Direct access to the issuance of Open Finance tickets
Co-construction of risk and AML/CFT policies with our know-how
Choose who will carry out KYC, customer service, among other responsibilities that involve a regulated operation.
Independence to resolve operational issues or bugs - everything runs within your infrastructure.
Seamless migration using exactly the same current infrastructure to use on its own license if you want to acquire it.
Cumbuca Solution
You own the data of your operation
Direct access to the issuance of Open Finance tickets
Co-construction of risk and AML/CFT policies with our know-how
Choose who will carry out KYC, customer service, among other responsibilities that involve a regulated operation.
Independence to resolve operational issues or bugs - everything runs within your infrastructure.
Seamless migration using exactly the same current infrastructure to use on its own license if you want to acquire it.
Cumbuca Solution
You own the data of your operation
Direct access to the issuance of Open Finance tickets
Co-construction of risk and AML/CFT policies with our know-how
Choose who will carry out KYC, customer service, among other responsibilities that involve a regulated operation.
Independence to resolve operational issues or bugs - everything runs within your infrastructure.
Seamless migration using exactly the same current infrastructure to use on its own license if you want to acquire it.
BaaS Solution
BaaS sells your data or uses it for market or credit analyses.
It depends on the supplier issuing the ticket within the agreed SLA.
Needs to comply with the supplier's policies and processes.
You perform KYC and customer service, but still rely on the systems and technical support of the provider to do so.
It depends on the supplier's technical support, within the stipulated SLA.
Need to build a new infrastructure based on BACEN's APIs
BaaS Solution
BaaS sells your data or uses it for market or credit analyses.
It depends on the supplier issuing the ticket within the agreed SLA.
Needs to comply with the supplier's policies and processes.
You perform KYC and customer service, but still rely on the systems and technical support of the provider to do so.
It depends on the supplier's technical support, within the stipulated SLA.
Need to build a new infrastructure based on BACEN's APIs
BaaS Solution
BaaS sells your data or uses it for market or credit analyses.
It depends on the supplier issuing the ticket within the agreed SLA.
Needs to comply with the supplier's policies and processes.
You perform KYC and customer service, but still rely on the systems and technical support of the provider to do so.
It depends on the supplier's technical support, within the stipulated SLA.
Need to build a new infrastructure based on BACEN's APIs
How does the Cumbuca work?
Understanding your operation
Schedule an initial meeting so we can understand your operation and reach a mutual agreement on the best service model for you.
Understanding your operation
Schedule an initial meeting so we can understand your operation and reach a mutual agreement on the best service model for you.
Understanding your operation
Schedule an initial meeting so we can understand your operation and reach a mutual agreement on the best service model for you.
Infrastructure Implementation
In this step, we will integrate or build your data/payment infrastructure and generate all the necessary certificates.
Infrastructure Implementation
In this step, we will integrate or build your data/payment infrastructure and generate all the necessary certificates.
Infrastructure Implementation
In this step, we will integrate or build your data/payment infrastructure and generate all the necessary certificates.
Tests and Go-Live
Now is the time to test all the operations we developed together in the mockbank/testing environment, make production calls, and get the product running.
Tests and Go-Live
Now is the time to test all the operations we developed together in the mockbank/testing environment, make production calls, and get the product running.
Tests and Go-Live
Now is the time to test all the operations we developed together in the mockbank/testing environment, make production calls, and get the product running.
All the access and control that only a license brings, with all the support and speed that only BaaS provides. Cumbuca gives you the best of both worlds.
Your infrastructure with BCB oficial APIs
Your infrastructure with BCB oficial APIs
Why choose Cumbuca?
Independence
The work of Cumbuca is to be "invisible" to your system. For your infrastructure, it is exactly the same as if your company were regulated.
Independence
The work of Cumbuca is to be "invisible" to your system. For your infrastructure, it is exactly the same as if your company were regulated.
Independence
The work of Cumbuca is to be "invisible" to your system. For your infrastructure, it is exactly the same as if your company were regulated.
Be the owner of your operation
We do not sell or use your operation data for sales, credit model enrichment, or any other commercial reason.
Be the owner of your operation
We do not sell or use your operation data for sales, credit model enrichment, or any other commercial reason.
Be the owner of your operation
We do not sell or use your operation data for sales, credit model enrichment, or any other commercial reason.
Accelerated Time-to-Market
Depending on the chosen model, your operation is in production in 2-3 months from the signing of the contract vs 2-3 years using your own license.
Accelerated Time-to-Market
Depending on the chosen model, your operation is in production in 2-3 months from the signing of the contract vs 2-3 years using your own license.
Accelerated Time-to-Market
Depending on the chosen model, your operation is in production in 2-3 months from the signing of the contract vs 2-3 years using your own license.
Top notch stability
BaaS has an average uptime of 98% in Brazil, which is about 14 hours per month... You will be directly consuming the infrastructure of BACEN, our Proxy will never be a bottleneck.
Top notch stability
BaaS has an average uptime of 98% in Brazil, which is about 14 hours per month... You will be directly consuming the infrastructure of BACEN, our Proxy will never be a bottleneck.
Top notch stability
BaaS has an average uptime of 98% in Brazil, which is about 14 hours per month... You will be directly consuming the infrastructure of BACEN, our Proxy will never be a bottleneck.
Hassle-free migration
Are you going to get your own license? Migrate to it when it's ready and use exactly the same infrastructure.
Hassle-free migration
Are you going to get your own license? Migrate to it when it's ready and use exactly the same infrastructure.
Hassle-free migration
Are you going to get your own license? Migrate to it when it's ready and use exactly the same infrastructure.
No regulatory overhead
All the benefits of having your own license without having to leave R$7,000,000 idle at BACEN.
No regulatory overhead
All the benefits of having your own license without having to leave R$7,000,000 idle at BACEN.
No regulatory overhead
All the benefits of having your own license without having to leave R$7,000,000 idle at BACEN.