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Open Finance Data MCP

Your bank data in your AI, through Open Finance.

Connect your account to the AI assistant you already use and check your statements, spending and cards in natural language. Authorization is secure and done through your bank, with no Cumbuca account needed.

Set it up nowSee how it works

Response

Final balance R$ 2,502.56 , you spent R$ 1,222.32 on food and 2x more on fuel this week.

The problem

Your financial data is yours, but accessing it is still hard.

Open Finance was created to give people back control of their own data. In practice, accessing that data still requires a Central Bank license or a hired intermediary. For anyone who wants to see their own data, understand how Open Finance works or test an idea, there was no simple path.

“AI made it easier to access code and build apps. We want to do the same with financial data.”

Daniel Ruhman, CEO of Cumbuca

The solution

An MCP server that brings your data to AI.

MCP (Model Context Protocol) is the standard that lets assistants like ChatGPT and Claude use external data sources. The Open Finance Data MCP is that source: with your authorization, the AI queries your bank data directly through Open Finance.

  • Secure authorization at your bank

    You approve access in your bank's app, with biometrics or your password, like any Open Finance consent. You don't create a Cumbuca account or share any credentials.

  • Access you can revoke

    Consent can be canceled at any time, and the AI loses access to your data.

  • Works with the AI you already use

    ChatGPT, Claude, Claude Code and any MCP-compatible AI.

Test Open Finance with real data.

  • Developers

    See in practice how Open Finance APIs work with your own data, with no license and no infrastructure.

  • AI users

    Ask for spending analyses, budgets and consumption patterns based on your real statement.

  • Fintech product teams

    Prototype use cases with real data before investing in a license or an intermediary, and validate the idea sooner.

How it works

Set up in under 5 minutes.

  1. Add the server

    Copy the MCP server URL and paste it into your AI client's settings (Claude, ChatGPT or another compatible client).

  2. Authorize through Open Finance

    Enter your CPF and choose your bank. Authorization follows the standard Open Finance flow, regulated by the Central Bank.

  3. Ask about your data

    Ask for summaries, compare periods, analyze categories. The AI queries your data at the moment you ask.

Set it up now

From statement to spreadsheet, in one question.

A few requests that work well once your account is connected.

  • Credit card

    Ask

    What are the 5 places where I spent the most on my card in the last 3 months?

    Copy

  • Monthly spreadsheet

    Ask

    Create a spreadsheet with all my October expenses, split by category

    Copy

  • Long history

    Ask

    Show my spending month by month for the last 10 months, as a table

    Copy

  • Cutting costs

    Ask

    Where can I cut back to save R$ 500 a month?

    Copy

  • Spending patterns

    Ask

    Which day of the week do I spend the most?

    Copy

  • Quick summary

    Ask

    Give me a summary of this month's spending

    Copy

Set it up now.

Pick your AI client and follow the instructions. It takes less than 5 minutes.

  1. Open Claude Desktop or claude.ai
  2. Go to Customize → Connectors → Add custom connector
  3. Paste the server URL:
    https://mcp.cumbuca.com/mcp
    Copy
  4. Click "Add"
  5. On your first query, the Open Finance authentication flow starts automatically

Company-paid account (Teams/Enterprise)? Only the organization Owner can add connectors, so you probably won't see this option. Ask your admin to enable the Cumbuca connector, or use a personal Claude.ai account.

What happens to your data.

The Open Finance Data MCP follows the Central Bank's rules for data sharing. In practice:

  • Explicit consent

    You authorize each connection yourself, one by one. No permission is granted by default.

  • Revocation at any time

    You cancel access on the consent management page, without having to talk to anyone.

  • Data not stored

    The query happens in real time: the AI accesses, answers, and the bank data isn't kept on our servers.

  • Regulatory records encrypted

    The metadata regulation requires us to keep is encrypted in two layers. Internal access is limited to audit and reporting to the Central Bank, and is never used for analysis or commercial purposes.

Talk to your financial data.

Set it up in under 5 minutes, with no sign-up and no cost.

Set it up nowSee all tools
Setup
5 min
Sign-up
Not required
Cost
R$ 0

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