Real-time public status pages for Brazil's Open Finance infrastructure. PCM, SCR and banks, monitored 24/7. No login. No paywall. As it should have always been.
When the ecosystem fails, you're the last to know.
Open Finance problems don't come with a warning. The first signal is usually a user complaining — or a transaction that stopped going through with no explanation. It was never a matter of trust: it's a matter of timeliness. The information exists; what's missing is the speed to reach those who operate.
The question that follows is always the same: is the problem in my code? My provider? The counterparty's bank? The whole ecosystem? Without a quick reference, every company starts investigating from scratch — in parallel, in the dark.
That costs engineering time, reputation, and money. The question "is it us or the ecosystem?" should have an answer in seconds.
The solution
From BACEN to AOF. From bank to transaction.
Public, free, real-time monitoring of Brazil's entire Open Finance infrastructure.
ParticipantsOperational
Banks and fintechs
Which financial institutions are having issues with Open Finance right now? Connectivity status of participants — data holders, initiators, and transmitters.
Coverage from major banks to fintechs, across data and payments.
Payments · AOFOperational
PCM Status
The Payment Collection Mechanism is the rail that moves money through Open Finance. See in real time whether PCM is operational, degraded, or down.
Data collected directly from our production infrastructure.
Data Quality · AOFOperational
MQD Status
The AOF Data Quality Engine measures the health of the ecosystem's data APIs. When MQD degrades, queries slow down or return inconsistent data.
Continuous monitoring of data-sharing API quality.
Credit · BACENOperational
SCR Status
Brazil's Credit Information System. When a counterparty's bank fails on SCR, you need to know before your customer complains — or before you make a bad credit decision.
Automatically identifies which institutions are failing in SCR.
Who it's for
Built for those who depend on the ecosystem.
Fintechs and advisories
Companies using Open Finance infrastructure who need to know whether a problem originates with their provider, a specific bank, or the ecosystem as a whole.
Operations teams
Those running day-to-day payments and credit. When something breaks, the first question is always: is this on our side or the ecosystem's?
Developers
Those integrating with Open Finance who need a fast status reference to debug production issues without opening a support ticket.
Licensed institutions
Data holders, initiators, and transmitters who need to monitor the health of connected partners and the ecosystem overall.
Payment initiators
Those initiating transactions via Open Finance need to know immediately when PCM is degraded — before payments start failing at scale.
Data aggregators
Financial management platforms depending on multiple bank connections who need to tell apart a single bank's failure from an ecosystem-wide issue.
How it works
Continuous monitoring, real data.
01
Active 24/7 monitoring
Our production infrastructure constantly interacts with the ecosystem. Every transaction, every query generates real availability data — not self-reported, measured.
02
Automatic failure detection
Algorithms identify degradation and unavailability by institution, service, and endpoint. When something falls outside the norm, status changes in seconds.
03
Public status, no delay
Data is consolidated and published on open status pages. No login, no paywall. Information reaches those who need it the moment it exists.
Why us
Transparency isn't a talking point. It's infrastructure.
Cumbuca operates at the heart of Brazil's Open Finance. We process real transactions every day: PCM, SCR, data APIs. When something fails in the ecosystem, we're the first to know.
Publishing that information is a choice. While others lock their status pages behind logins, we open ours. Because we believe transparency builds trust, and trust builds better ecosystems.
"If the information exists and it helps the ecosystem, it should be public."
Find it fast
When you search, we'll be there.
When a bank goes down, the first thing everyone does is search. These status pages were built to show up in those moments, with real data, not guesswork.
"PCM down"
"SCR unavailable"
"[bank] open finance status"
"open finance outage"
"payment collection mechanism status"
See it now
Ecosystem status, live.
PCM, SCR and banks, monitored in real time, open to everyone.
