Cumbuca

Bare-metal access to Brazil's Open Finance and Pix systems

Y CombinatorSummer 2021ActiveFintechFintechB2BAPIInfrastructure

What they do

Problem

Building financial products on Brazil's Open Finance and Pix is slow and unreliable due to middleware dependencies and heavy compliance requirements.

Solution

Cumbuca provides bare-metal, direct Central Bank connectivity APIs for Pix, payment initiation, and Open Finance data under its license while handling compliance.

Who it's for

Developers and fintech teams building financial products in Brazil that need direct Open Finance and Pix access.

Founders

Daniel Ruhman

Founder

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.