---
title: "Direct access to your customer's credit history."
description: "Make lower-risk decisions by analyzing each customer's credit operations and knowing whether they are current or overdue."
url: "https://www.cumbuca.com/en/products/dados-do-scr"
lang: "en"
---

# 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.

[Contact us](https://www.cumbuca.com/en/contact) · [See how it works](https://www.cumbuca.com#perfis)

## 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.

## Data available in full

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

- Loans and financing
- Credit card
- Advances
- Leasing
- Peer-to-peer loans
- Credit limits
- Credit to be released
- Guarantees and co-obligations
- Credit written off as loss

## Cumbuca benefits

- **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.

## 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.

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