Open Finance data

Direct access to your customer's financial data.

Transaction history from the last 12 months, contracted financial products, registration data and more to enrich your credit and sales engines.

Use cases

From startups to enterprises, Open Finance data meets a wide range of needs.

Fintechs and credit platforms
Improve their credit engines and sales funnel with raw Open Finance data, combined with SCR data.
Financial apps
Show users all their financial data in one place: accounts, cards and investments from every bank.
Companies with business accounts
Reconcile their own company accounts. Business accounts are within the scope of Open Finance, already widely used by micro and small businesses.
Companies entering Brazil or that have outgrown their current provider
Operate under Cumbuca's license while they decide whether their own is worth it.

The integration covers the customer data APIs in Open Finance.

Your brand on the consent.
The customer sees your company's brand when authorizing the data sharing. Cumbuca builds the regulatory bridge, and the customer relationship stays yours.
Data exactly as the banks send it.
No processing or mediation along the way, as if your company had its own license.
Billed only for what is used.
Cumbuca only bills for consents actually used. Idle consents are never billed.
Official APIs, no proprietary layer.
1:1 mapping to the Open Finance APIs. Every endpoint, every parameter. It is not a wrapper, it is a transparent proxy.
Automatically updated with new ecosystem capabilities.
Your product naturally follows the growth of the Open Finance and Pix ecosystem.
Your data and keys stay with you.
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.
From Cumbuca's 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.

On Cumbuca's infrastructure, your company goes live in weeks. On your own infrastructure, in months.

A conversation with a co-founder
You describe your use case, discuss the solutions and plan the implementation together.
Choosing the infrastructure
Your company runs on Cumbuca's infrastructure or on its own. Either way, Cumbuca signs the requests.
Due diligence and contract
Every company that operates under Cumbuca's license goes through a rigorous assessment before getting access.
Integration with the official APIs through the Cumbuca Proxy
Our engineers support your implementation every step of the way.
Go-live
After production testing, your company is ready to operate under Cumbuca's license.

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.

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.