The first proxy for the Brazilian regulated ecosystem
The thinnest layer between your infrastructure and the regulated ecosystem of the BCB
Backed by
.
The first proxy for the Brazilian regulated ecosystem
The thinnest layer between your infrastructure and the regulated ecosystem of the BCB
Backed by
.
Cumbuca offers what no Open Finance as a service can:
total control over your operation.
Cumbuca offers what no Open Finance as a service can:
total control over your operation.
Build your infrastructure using the regulated ecosystem, our proxy receives your requests, enriches them with our credentials, and sends them to BCB. Our clients have the same level of access and freedom as they would if they were charted.
YOUR INFRA
PROXY
INSTITUTIONS
YOUR INFRA
PROXY
INSTITUTIONS
YOUR INFRA
PROXY
INSTITUTIONS
"We worked with several BaaS and OFaaS providers 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 and OFaaS providers 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 and OFaaS providers 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 to 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 (NFC)
Pix by Proximity (NFC)
Pix by Proximity (NFC)
Smart Transfers
Smart Transfers
Smart Transfers
Recurring PIX
Recurring PIX
Recurring PIX
Open Finance Data
Access, with user consent, to the financial data held by banks (balances, transactions, products, etc.) for you to understand risk, reconcile, and personalize your product.
Transactional data
Transactional data
Transactional data
Registration data
Registration data
Registration data
Card data
Card data
Card data
Investment data
Investment data
Investment data
Credit operation data
Credit operation data
Credit operation data
SCR
Regulated access to the client's credit operation history at the Central Bank (SCR), with express consent and permitted purposes.
Credit data
Credit data
Credit data
Why is the Cumbuca different?
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 provide service, among other responsibilities that involve a regulated operation.
Independence to solve operational problems or bugs - everything runs within your infrastructure
Seamless migration using the exact same infra as the current 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 provide service, among other responsibilities that involve a regulated operation.
Independence to solve operational problems or bugs - everything runs within your infrastructure
Seamless migration using the exact same infra as the current 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 provide service, among other responsibilities that involve a regulated operation.
Independence to solve operational problems or bugs - everything runs within your infrastructure
Seamless migration using the exact same infra as the current to use on its own license if you want to acquire it.
BaaS/OFaaS Solution
BaaS sells your data or uses it for market or credit analyses.
Dependence on the supplier to issue the ticket within the agreed SLA.
Needs to comply with the supplier's policies and processes.
You provide support, but you still depend on the systems and technical support from the provider to do so.
Dependence on the supplier's technical support, within the stipulated SLA.
Need to build a new infrastructure based on BACEN's APIs
BaaS/OFaaS Solution
BaaS sells your data or uses it for market or credit analyses.
Dependence on the supplier to issue the ticket within the agreed SLA.
Needs to comply with the supplier's policies and processes.
You provide support, but you still depend on the systems and technical support from the provider to do so.
Dependence on the supplier's technical support, within the stipulated SLA.
Need to build a new infrastructure based on BACEN's APIs
BaaS/OFaaS Solution
BaaS sells your data or uses it for market or credit analyses.
Dependence on the supplier to issue the ticket within the agreed SLA.
Needs to comply with the supplier's policies and processes.
You provide support, but you still depend on the systems and technical support from the provider to do so.
Dependence on the supplier's technical support, within the stipulated SLA.
Need to build a new infrastructure based on BACEN's APIs
How does Cumbuca work?
Understand your operation
Schedule an initial meeting so we can understand your operation and reach a mutual agreement on the best service model.
Understand your operation
Schedule an initial meeting so we can understand your operation and reach a mutual agreement on the best service model.
Understand your operation
Schedule an initial meeting so we can understand your operation and reach a mutual agreement on the best service model.
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 have developed together in the mockbank/testing environment, make calls in production, and get the product running.
Tests and Go-Live
Now is the time to test all the operations we have developed together in the mockbank/testing environment, make calls in production, and get the product running.
Tests and Go-Live
Now is the time to test all the operations we have developed together in the mockbank/testing environment, make calls in production, and get the product running.
All the access and control that only a license brings, with the support and speed that only OFaaS delivers. Cumbuca gives you the best of both worlds.
Your infrastructure
Your infrastructure
Why choose Cumbuca?
Independence
You receive 1:1 data from Open Finance, issue your own tickets, and solve operational problems without relying on third parties.
Independence
You receive 1:1 data from Open Finance, issue your own tickets, and solve operational problems without relying on third parties.
Independence
You receive 1:1 data from Open Finance, issue your own tickets, and solve operational problems without relying on third parties.
Take ownership of your operation
We do not sell or use your operation data for the enrichment of credit models or any other commercial reason.
Take ownership of your operation
We do not sell or use your operation data for the enrichment of credit models or any other commercial reason.
Take ownership of your operation
We do not sell or use your operation data for the enrichment of credit models or any other commercial reason.
Accelerated Time-to-Market
Depending on the chosen model, your operation is in production in 1-2 months from the contract signing versus 2-3 years using your own license.
Accelerated Time-to-Market
Depending on the chosen model, your operation is in production in 1-2 months from the contract signing versus 2-3 years using your own license.
Accelerated Time-to-Market
Depending on the chosen model, your operation is in production in 1-2 months from the contract signing versus 2-3 years using your own license.
Top notch stability
BaaS and OFaaS have an average uptime of 98% in Brazil, which means 14 hours of downtime per month. You will be directly connected to the regulated ecosystem, and our proxy will never be a bottleneck.
Top notch stability
BaaS and OFaaS have an average uptime of 98% in Brazil, which means 14 hours of downtime per month. You will be directly connected to the regulated ecosystem, and our proxy will never be a bottleneck.
Top notch stability
BaaS and OFaaS have an average uptime of 98% in Brazil, which means 14 hours of downtime per month. You will be directly connected to the regulated ecosystem, and our proxy will never be a bottleneck.
Hassle-free migration
Are you going to get your own license? Migrate and use exactly the same technical infrastructure.
Hassle-free migration
Are you going to get your own license? Migrate and use exactly the same technical infrastructure.
Hassle-free migration
Are you going to get your own license? Migrate and use exactly the same technical infrastructure.
No regulatory overhead
All the benefits of having your own license, without worrying about regulatory capital or COSIF (taxes model and reporting).
No regulatory overhead
All the benefits of having your own license, without worrying about regulatory capital or COSIF (taxes model and reporting).
No regulatory overhead
All the benefits of having your own license, without worrying about regulatory capital or COSIF (taxes model and reporting).