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Bare-metal access to Brazil's Open Finance and Pix systems
Cumbuca is an infratech bank for developers to build financial products with direct Central Bank connectivity. Instead of working around unreliable middleware, you get bare-metal access to Pix, payment initiation, and data APIs under our license, so you ship products faster and we handle the compliance. There's no vendor lock-in, and your service will never be disrupted by us.
Cumbuca provides regulated access to Brazil's Open Finance and Pix ecosystems through a proxy layer that sits between a fintech's infrastructure and the central regulated ecosystem. It offers direct, 1:1 access to APIs, removing intermediaries and lock-in by operating under its BACEN-regulated license.
A regulated proxy layer (mTLS, JWS) that translates signed requests between a fintech and the Open Finance/Pix ecosystems without altering semantics. It exposes 1:1 endpoints to Open Finance data, Pix payments, and SCR data, acting as the intermediary with the regulator’s envelope. The service promises direct access, zero lock-in, and ownership of the client’s data flows, while the proxy handles regulatory bridging, auditing, and data extraction via API endpoints under the provider’s regulated footprint.
Who it’s for: Fintechs and financial services businesses seeking regulated Open Finance and Pix access without obtaining their own BACEN license or building regulators-compliant infrastructure.
mentions regulatory licensing, investor backing (Y Combinator, Lightspeed), and growth metrics (consentimentos, latency, SLA) indicating traction and funding activities
Self taught developer, released first iPhone app when 14y - currently 23y. Dropped out of Computer Engineering degree in Brazil after brief time doing Cog Sci @ UC Berkeley to become an entrepreneur focused on improving the lives of Brazil's lower income population, and have been working with low income households and gig economy workers for the past 2.5 years. I’m a huge enthusiast on all things human behavior, gig economy, fintech, and above all in ways to unlock LATAM full potential.
Develop your own payments infra in Brazil using our license.
Cumbuca acts as a regulatory proxy for Brazil’s Open Finance and Pix ecosystem, allowing fintechs and payments companies to build with the same APIs and control as licensed institutions while Cumbuca handles compliance. It provides immediate access, full development freedom, and a path to migrate to a licensed setup without losing data ownership or direct problem resolution.
Formerly “Comadre” · why startups rename →
Plaid for Brazil: we allow developers to access users' financial data
We are the frictionless way for companies to make payments.
