---
title: "All about us."
description: "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."
url: "https://www.cumbuca.com/en/about"
lang: "en"
---

# 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](https://www.pymnts.com/news/international/latin-america/2025/global-fintechs-race-into-brazil-as-cumbuca-offers-a-new-back-door) · PYMNTS, Dec 2025
- [In Profile: Cumbuca CEO Daniel Ruhman](https://thefintechtimes.com/in-profile-cumbuca-ceo-daniel-ruhman/) · The Fintech Times, Mar 2026
- ["Pivotei pela quarta vez": as lições de empreender do fundador da Cumbuca](https://pipelinevalor.globo.com/startups/noticia/pivotei-pela-quarta-vez-as-licoes-de-empreender-do-fundador-da-cumbuca.ghtml) · Pipeline, Dec 2025

### Press

- [Payments Sovereignty and the Future of Money Movement](https://www.fintechfutures.com/paytech/payments-sovereignty-and-the-future-of-money-movement-in-the-uk-and-europe) · Fintech Futures, Apr 2026
- [In Profile: Cumbuca CEO Daniel Ruhman](https://thefintechtimes.com/in-profile-cumbuca-ceo-daniel-ruhman/) · The Fintech Times, Mar 2026
- [Behind the Idea: Cumbuca](https://thefintechtimes.com/behind-the-idea-cumbuca/) · The Fintech Times, Mar 2026
- [Cumbuca Paves Way for Fintechs into Brazilian Market](https://fintechreview.net/cumbuca-paves-way-for-fintechs-into-brazilian-market/) · Fintech Review, Mar 2026
- [Pix: How Brazil Showed the World How to Build Instant Payments at Scale](https://www.finextra.com/blogposting/31220/pix-how-brazil-showed-the-world-how-to-build-instant-payments-at-scale) · Finextra, Mar 2026
- [Pix at Five: How Brazil Built One of the World's Most Advanced Payments Infrastructures](https://financialit.net/news/payments/pix-five-years-how-brazil-built-one-worlds-most-advanced-public-payments) · Financial IT, Feb 2026
- [Pix at Five Years: Why Other Countries Are Paying Attention](https://fintechbloom.com/pix-at-five-years-how-brazil-built-one-of-the-worlds-most-advanced-public-payments-infrastructures-and-why-other-countries-are-paying-attention/) · Fintech Bloom, Feb 2026
- [International Women's Day 2026: Financial Sector Comments](https://www.retailbankerinternational.com/features/international-womens-day-2026-financial-sector-comments/) · Retail Banker International, Feb 2026

## Content for your story.

### Key numbers

- **52,000:** Requests/s sustained in load testing
- **99.9%:** Availability SLA · multi-AZ with automatic failover
- **+15M:** Active Open Finance consents • October 2026
- **2021:** Admitted to Y Combinator (S21) • Payment Institution (IP) authorized by the Central Bank of Brazil (BCB)

### Media kit

[Download Media Kit (ZIP)](https://www.cumbuca.com/downloads/cumbuca-media-kit.zip): Package with logos in SVG and PNG in light and dark versions, boilerplates and a company fact sheet.

### Contact us for your story.

For stories in progress, please include your deadline and outlet in the email subject.

[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/about)
- [Site index for LLMs (llms.txt)](https://www.cumbuca.com/llms.txt)
- [Sitemap](https://www.cumbuca.com/sitemap.xml)