--- title: "Direct access to your customer's financial data." description: "Transaction history from the last 12 months, contracted financial products, registration data and more to enrich your credit and sales engines." url: "https://www.cumbuca.com/en/products/dados-do-open-finance" lang: "en" --- # 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. [Contact us](https://www.cumbuca.com/en/contact) · [See how it works](https://www.cumbuca.com#perfis) ## 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. ## Data available in full The integration covers the customer data APIs in Open Finance. - Registration data - Accounts - Credit cards - Credit operations - Investments - Foreign exchange ## Cumbuca benefits - **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. ## Implementation On Cumbuca's infrastructure, your company goes live in weeks. On your own infrastructure, in months. 1. **A conversation with a co-founder:** You describe your use case, discuss the solutions and plan the implementation together. 2. **Choosing the infrastructure:** Your company runs on Cumbuca's infrastructure or on its own. Either way, Cumbuca signs the requests. 3. **Due diligence and contract:** Every company that operates under Cumbuca's license goes through a rigorous assessment before getting access. 4. **Integration with the official APIs through the Cumbuca Proxy:** Our engineers support your implementation every step of the way. 5. **Go-live:** After production testing, your company is ready to operate under Cumbuca's license. ### 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. See the performance and resilience of our infrastructure in the scale report. [See the scale report](https://www.cumbuca.com/en/scale-report) --- ## 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/products/dados-do-open-finance) - [Site index for LLMs (llms.txt)](https://www.cumbuca.com/llms.txt) - [Sitemap](https://www.cumbuca.com/sitemap.xml)