--- title: "Regulated, transparent and direct access to the Brazilian financial ecosystem." description: "Regulated, transparent and direct access to the Brazilian financial ecosystem. Plug your company into Pix and Open Finance without your own license." url: "https://www.cumbuca.com/en" lang: "en" --- # Regulated, transparent and direct access to the Brazilian financial ecosystem. Plug your company into Brazil's Pix and Open Finance capabilities without obtaining licenses or holding regulatory capital. [Institution regulated by the Central Bank of Brazil](https://www3.bcb.gov.br/informes/index_embedded.html#/conglomerado-detalhe/86866) · [Contact us](https://www.cumbuca.com/en/contact) · [See the scale report](https://www.cumbuca.com/en/scale-report) Active participants in: Open Finance Brasil, Pix, Init. ## Three products, one regulated layer. ### [Pix payments and collections](https://www.cumbuca.com/en/products/pix) Initiate one-off or recurring payments and collections. From Pix Automático to Smart Transfers, to simplify your payment mechanics and improve conversion. ### [Open Finance data](https://www.cumbuca.com/en/products/dados-do-open-finance) Enrich your credit and sales engines with access to 12 months of transaction history, financial products held, registration data, and much more. ### [SCR data](https://www.cumbuca.com/en/products/dados-do-scr) Make credit decisions easier and reduce default risk with data on a customer's credit operations and the status of each: current or overdue. ## How it works: Our layer sits between your infrastructure and the ecosystem, encrypting signed requests in both directions. No data processing, no mediation: you receive data and payment confirmations exactly as the banks send them, as if you had your own license, and **always with your company's brand on the consent.** Your infrastructure (Ownership · Control) → Cumbuca Proxy (mTLS · JWS signature · Audit) → Regulated ecosystem (Open Finance · Pix · Central Bank) ### Full ownership Your company owns the infrastructure, the data flows and the integration logic. We build the regulatory bridge, but your brand is always the one shown on the consent. ### Fair billing We only bill successfully initiated payments and consents actually used. The most aggressive pricing in the market: idle consents and failed payments are never billed. ### Direct access 1:1 mapping to the Open Finance APIs. Every endpoint, every parameter. It is not a wrapper, it is a transparent proxy. ### From our license to yours Once your company has its own license, there is no migration: just switch the license that signs the requests, and your integration stays the same. ## Flexible, future-proof implementation options. ### Cumbuca infrastructure A complete, end-to-end solution. The fastest and easiest way to start operating. - Everything runs on our infrastructure, with no servers for your team to maintain. - If needed, you can move to your own infrastructure in the future. ### Your own infrastructure You build, and Cumbuca signs the requests with its own certificates, acting as a proxy. - Our engineers support you throughout the implementation. - As market specialists, we are here to help you run a resilient, reliable and successful operation. ## Everything Open Finance and Pix make possible. ### Pix Automático One authorization at the customer's bank per contract, a notice from the bank when each charge is scheduled, and a same-day retry if funds are short. ### Redirect-free Journey The customer pays without leaving your app, using biometric validation. Better experience, but it depends on user action for every charge. ### Smart Transfers The customer authorizes once and charges happen without recurring approvals. Requires transfers between accounts of the same holder; the friendliest and most efficient protocol. - Pix with key (DICT) - Pix with account data - Pix by QR code - Contactless Pix - Scheduled Pix - Recurring Pix ### Test our technology now in a production environment. Experience the real Open Finance consent journey and discover tools built to make Open Finance available to everyone. [Open simulator](https://web.cumbuca.com/consent) [Explore tools](https://www.cumbuca.com/en/tools) ## Performance: From startups to enterprises. Unmatched scale. **+15 million** active consents. We keep adding more than 500,000 every week, the fastest pace among all Open Finance Brasil participants. In 2026, we are the institution receiving the most consents, ahead of the banks themselves. - We sustain **52,000 req/s**: Stable throughput under realistic load. - Error rate of **0.001%**: 8 errors in 775,344 requests in the production-calibrated scenario. - Capacity **1,200x**: greater than the weekly call peak of the ecosystem's largest payment initiator. - It takes us only **500s**: to process and absorb the largest initiator's weekly peak of 26.06M requests. [See the scale report](https://www.cumbuca.com/en/scale-report) ## How our customers use our technology. - Improve their credit engines, decision-making and sales funnel with **raw Open Finance and SCR data.** (Credit fintechs) - Automate Pix payments and collections **to pull amounts due** from their users' accounts. (Credit fintechs) - Use Cumbuca's license until they obtain their own. Then **switch to signing with their own license, with no downtime**, keeping the same infrastructure. (Credit fintechs, Payment orchestrators) - Implement the full Open Finance payment flow with **"****bare-metal****" access**, straight to the Central Bank APIs. (Credit fintechs, Payment orchestrators, Financial apps) - Simplify the **reconciliation of the company's internal accounts**. Business accounts are within the scope of Open Finance, which is already widely used by MEIs and MEs (micro and small businesses). The ecosystem is now expanding its features to make adoption easier for large companies. (Credit fintechs, Payment orchestrators, Financial apps) - Leverage the **freedom and technological independence** of our infrastructure to escape the rigid middleware available in the market. (Credit fintechs, Payment orchestrators, Financial apps) - Let their users see **all their financial data in one place**, and move money between accounts they own. (Financial apps) - Charge their users through the **Redirect-free Journey.** (Financial apps) ## Cumbuca is one of a kind. ### Costs that don't scale prohibitively Process payments and access Open Finance data **with no intermediary markup per transaction, billed only for consents actually used.** Direct access means direct savings. ### Production in weeks, not years Licensing a payment institution takes 24–36 months. With ready-made infrastructure **you go live in weeks; building from scratch, in months.** Both paths pay off. ### Full ownership of your data Cryptographic keys, flows and data remain your property, with a contractual guarantee of no commercial access. **Cumbuca does not sell, analyze or share your data.** ### Future-proof platform New ecosystem capabilities always ship on the same proxy. **Your product naturally follows the growth of the Open Finance and Pix ecosystem.** ## A relationship with experts from the very first interaction. ### Bruno Cury, COO and Co-founder Executive point of contact. Ran more than 1 million accounts as a customer of Banking as a Service (BaaS) and Open Finance as a Service (OFaaS) providers, and knows firsthand the pain of buying in this market. Today he leads sales and customer success at Cumbuca, solving those pains with our service. ### Nic Marcondes, Head of Open Finance Onboarding and integration. More than 20 years in technology and strategy, 9 of them building Brazilian Open Finance. Architect of the JSR payment protocol, the PCM and the MQD. Co-author of Brazil's Interoperability Security Profile. Founded Quanto, the country's first payment initiator (ITP). Co-founder of INIT. ### Guilherme Vinicius, Senior Software Engineer Onboarding and integration. Has built Open Finance infrastructure since day one of the ecosystem. Former tech lead at Quanto, where he led and built the complete data stack, including initiation for phases 1, 2 and 3. Led FAPI security certifications with the Central Bank. At every step you will be alongside the market's leading specialists. We are flexible to meet your needs, taking into account the company's stage, growth rates and future goals. [Contact us](https://www.cumbuca.com/en/contact) ## Our journey, through the eyes of others. **Media:** Financial IT, Finextra, The Fintech Times, Pipeline, PYMNTS, The Banker, The Paypers, VentureBeat, Yahoo Finance. Also in Benzinga, Hogan Lovells, Finovate, Finsiders, Startups.com.br and 20+ other outlets. [View Newsroom](https://www.cumbuca.com/en/about#newsroom) **Investors:** Y Combinator, Lightspeed, Supera Capital. ## Tell us about your use cases. You will receive an email with a scheduling link to talk to one of our founders. [Contact us](https://www.cumbuca.com/en/contact) --- ## About Cumbuca CUMBUCA Instituição de Pagamento Ltda., registered with the National Registry of Legal Entities of the Ministry of Finance (CNPJ/MF) under No. 44.353.942/0001-29, is authorized as a Payment Institution (IP), in the Payment Transaction Initiator (ITP) modality, regulated by the Central Bank of Brazil, pursuant to BCB Resolution No. 80 of March 25, 2021, and is a subsidiary of FAMÍLIA CUMBUCA HOLDING Ltda., registered with the CNPJ/MF under No. 32.670.659/0001-41. CUMBUCA Serviços de Tecnologia Ltda., registered with the CNPJ/MF under No. 50.271.185/0001-47, is also part of the same corporate group. - [This page in HTML](https://www.cumbuca.com/en) - [Site index for LLMs (llms.txt)](https://www.cumbuca.com/llms.txt) - [Sitemap](https://www.cumbuca.com/sitemap.xml)