Free tools that open Brazilian Open Finance to everyone.

We hold the deepest Open Finance expertise in Brazil, and we decided to prove it by building tools that help the ecosystem grow.

Regulus
An AI chatbot trained on the Central Bank's regulations. Learn and query Open Finance and Pix regulation in natural language, with answers you can trust.
Regulation shouldn't require an entire legal department.
Learn more Regulus
What is the R$ transaction limit for JSR?
Regulus
There used to be a R$ 500 daily cap on the Redirect-free Journey (JSR). The IN BCB No. 746 , from June 2026, removed that cap: the limit is now set by the user. The rule applies since Oct 1, 2026. See the current version of IN BCB No. 512 .
Open Finance Data MCP
Connect your ChatGPT/Claude account to your bank account. Work with your financial data with the security of Open Finance, no Cumbuca account needed.
Your bank data. In your AI.
Learn more Open Finance Data MCP
Give me a summary of my spending this week
AI
mTLS · Open Finance
Bank
09/22Atacarejo supermarket-R$ 612.42
09/23Shell gas station-R$ 184.00
09/24iFood-R$ 98.90
09/25Pix received+R$ 2,000.00
09/26Ipiranga gas station-R$ 176.50
09/27Figueira restaurant-R$ 511.00
Response
Final balance R$ 2,502.56 , you spent R$ 1,222.32 on food and 2x more on fuel this week.
Benchmark
Analyze commercial proposals for financial infrastructure. Upload one and find out whether the prices are fair.
A comparative analysis with real market data.
Learn more Benchmark
Company Y commercial proposal
Analyzing
- Pix initiationR$ 0.08 / transaction-15% vs market
- Open Finance dataR$ 0.28 / request+8% vs market
- ReconciliationR$ 580.00 / monthat market
- KYC lookupR$ 1.20 / CPF+38% vs market
- Webhooksincludedat market
Analysis complete
2 above • 1 below • 2 at market
Status Page
One place to monitor the whole ecosystem: the status of banks, the PCM, the MQD and the SCR, updated throughout the day.
Learn more Status Page
- CAIXA2 APIs unstable
- Mercado PagoAPI unstable
- C6 BankOperational
- SicrediOperational
- BradescoOperational
- Banco InterOperational
- Banco SantanderOperational
- ItaúOperational
- PicPayOperational
- Banco do BrasilOperational
- NubankOperational
- banco BVLow traffic
Live at via.cumbuca.com · updated at 13:29 BRT
Open Finance Playground
Open source, hands-on documentation written by people who implement. The quick-start guide the ecosystem needed, built in partnership with Juspay.
Learn more Open Finance Playground

Meet Launch Week

A week of launches that give back to the market and show who we are.

From May 4 to 8, 2026, we held our first Launch Week and delivered 5 free tools to the ecosystem to open up the market. One tool launched per day, and a legacy that reflects our culture and what we believe in.

Transparency
We play with our cards on the table. If something doesn't make sense for you, we say so. If it does, we show the numbers.
Deep technical expertise
We are the leading Open Finance specialists in Brazil. It isn't marketing, it is what we do every day, and have for years.
Pioneering
The first proxy for the regulated ecosystem. A model unique in Brazil, unlike anything else in the market.
Partnership
Even when the solution isn't under our roof, we help. We connect, teach, open doors. Creating value for the ecosystem is part of our DNA.