All about us.

Cumbuca is a Payment Institution regulated by the Central Bank of Brazil, licensed as a Payment Transaction Initiator (ITP), offering regulated access to Pix and Open Finance so companies can scale without needing their own license.

We are backed by leading Brazilian and international investors such as Y Combinator, Supera and Lightspeed.

Milestones

Jun 2021
Admitted to Y Combinator (S21)
Dec 2025
Launch of the regulated proxy for Pix and Open Finance
May 2026
First Launch Week: free tools for the ecosystem
Jul 2026
10+ million active consents
Today
15+ million active consents and 500,000+ new every week

Before we were a provider, we were customers in this market. After Y Combinator, we built an app for couples to organize and split their finances, which grew past 1 million accounts on Banking as a Service (BaaS) and Open Finance as a Service (OFaaS) providers. We felt firsthand the pain of buying this infrastructure, and Cumbuca exists today to solve it.

Newsroom

Highlights

Global Fintechs Race Into Brazil as Cumbuca Offers a New Back Door

Cumbuca, a Y Combinator-backed FinTech, is betting that global payment players want into Brazil faster than the licensing process allows...

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Dec 2025

In Profile: Cumbuca CEO Daniel Ruhman

In this week’s In Profile, Cumbuca co-founder and CEO Daniel Ruhman talks about his route into fintech, his experience operating in Brazil’s...

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Mar 2026

"Pivotei pela quarta vez": as lições de empreender do fundador da Cumbuca

"Um bom time e o suporte de investidores criam uma garra inabalável para criar soluções e resolver problemas"... (in Portuguese)

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Dec 2025

Fintech Futures
Payments Sovereignty and the Future of Money Movement
Apr 2026
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The Fintech Times
In Profile: Cumbuca CEO Daniel Ruhman
Mar 2026
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The Fintech Times
Behind the Idea: Cumbuca
Mar 2026
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Fintech Review
Cumbuca Paves Way for Fintechs into Brazilian Market
Mar 2026
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Finextra
Pix: How Brazil Showed the World How to Build Instant Payments at Scale
Mar 2026
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Financial IT
Pix at Five: How Brazil Built One of the World's Most Advanced Payments Infrastructures
Feb 2026
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Fintech Bloom
Pix at Five Years: Why Other Countries Are Paying Attention
Feb 2026
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Retail Banker International
International Women's Day 2026: Financial Sector Comments
Feb 2026
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