aid: cumbuca
name: Cumbuca
description: >-
  Cumbuca is a Banco Central do Brasil-licensed Payment Institution that provides
  regulated "proxy" access to Brazil's Pix and Open Finance networks. Acting as a
  thin, transparent layer with a 1:1 mapping to the official Open Finance Brasil
  and Central Bank API specifications, it forwards cryptographically signed
  requests between client infrastructure and the regulated ecosystem so fintechs
  can build directly on the rails without holding their own license (zero lock-in
  via certificate swap when they obtain one). Capabilities span Pix payment
  initiation, Open Finance account and credit-data access, recurring payments, and
  SCR credit-information queries, with a 0ms median latency overhead and a 99.99%
  availability SLA. Founded in 2021 in Sao Paulo and backed by Lightspeed Venture
  Partners and Y Combinator, Cumbuca also ships an Open Finance Data MCP server,
  the Regulus regulatory AI assistant, public status pages, and the open-source
  Open Finance Playground developer guide built with Juspay.
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://cumbuca.com/assets/og-home.png
url: https://raw.githubusercontent.com/api-evangelist/cumbuca/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- lightspeed-venture-partners
x-tier: enriched
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Open Finance
- Pix
- Payments
- Banking
- Brazil
- Open Banking
- Financial Data
- MCP
apis: []
common:
- type: DomainSecurity
  url: security/cumbuca-domain-security.yml
- type: Website
  url: https://cumbuca.com/
- type: Documentation
  name: Open Finance Playground
  url: https://juspay-2.gitbook.io/open-finance/pt
- type: GettingStarted
  name: Open Finance Playground
  url: https://juspay.io/open-finance
- type: Blog
  name: Newsroom
  url: https://www.cumbuca.com/en/newsroom/
- type: Support
  url: https://cumbuca.com/contact/
- type: PrivacyPolicy
  url: https://cumbuca.com/privacy/
- type: StatusPage
  url: https://via.cumbuca.com/
- type: Lifecycle
  url: lifecycle/cumbuca-lifecycle.yml
- type: MCPServer
  name: Open Finance Data MCP
  url: mcp/cumbuca-mcp.yml
- type: WellKnown
  url: well-known/cumbuca-well-known.yml
- type: SecurityTxt
  url: well-known/cumbuca-security.txt
- type: Security
  url: https://cumbuca.com/.well-known/security.txt
- type: VulnerabilityDisclosure
  url: security/cumbuca-vulnerability-disclosure.yml
- type: Authentication
  url: authentication/cumbuca-authentication.yml
- type: OAuthScopes
  url: scopes/cumbuca-scopes.yml
- type: Conformance
  url: conformance/cumbuca-conformance.yml
- type: Compliance
  name: Bacen-regulated Payment Institution + Cybersecurity Policy
  url: https://cumbuca.com/politica-de-seguranca-cibernetica/
- type: LLMsTxt
  url: llms/cumbuca-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence