Cumbuca – Build custom payments infrastructure in Brazil with a regulatory proxy

Summary: Cumbuca provides fintechs with a regulatory proxy that enables direct access to Brazil’s Pix and Open Finance systems, allowing full operational control and infrastructure ownership while Cumbuca manages compliance and licensing. It offers the same API access as banks without imposing additional abstractions, supporting deep customization and autonomy.

What it does

Cumbuca acts as a minimal regulatory proxy that signs and forwards API requests under its license, enabling customers to build their own payments infrastructure using official bank APIs. This approach provides logging, compliance, visibility, and access control without limiting development flexibility.

Who it's for

It targets high-volume fintechs and infrastructure providers in Brazil seeking full control over their payments operations and regulatory compliance without relying on traditional PSPs or BaaS platforms.

Why it matters

Cumbuca solves the challenge of lengthy, costly licensing processes and restricted operational control by offering a compliant, flexible alternative that lets fintechs own their infrastructure and data while accessing official payment systems.