SCR data

Direct access to your customer's credit history.

Make lower-risk decisions by analyzing each customer's credit operations and knowing whether they are current or overdue.

Use cases

Every lender puts the SCR to work in its own way.

Fintechs and credit platforms
Improve their credit engines with raw SCR data.
Full credit operations
Bring together from one provider Open Finance data, SCR data and Smart Transfers.
Companies entering Brazil or that have outgrown their current provider
Operate under Cumbuca's license while they decide whether their own is worth it.

All of the customer's credit operations, current or overdue, by type.

Raw SCR, unprocessed.
The data arrives as the SCR sends it, with no mediation, and the decision stays with your credit engine.
From the same provider as Open Finance data.
SCR and Open Finance data come from the same provider and go into the credit decision together.
Availability watched closely.
Cumbuca makes real calls to the Credit Information System (SCR) every day, and the Status Page shows its availability throughout the day.
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.