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Regulus by Cumbuca

Regulus by Cumbuca

AI chatbot trained on Brazil's Central Bank regulations Fintech • Legal • Artificial Intelligence 8 118 ElevenAgents by ElevenLabs Scale conversations without scaling your team Artificial Intelligence • Audio

Website cumbuca.com
Overview

What it is

In Brazil, a payments license gives you full autonomy but takes years, millions in $$$, and heavy compliance. Existing providers get you live fast but restricts independence and operational control. Cumbuca merges both: you get the same development flexibility with direct access to Open Finance and Pix, with full operational control, reduced risk and flexible price. Build on official APIs, own your infra and data, customize every layer, and if you get your license, just plug your own certificate

Intent

I need it when

Scale payment processing with minimal latency and high availability in the Brazilian Open Finance ecosystem

Cumbuca's Erlang/OTP architecture delivers 0ms median proxy latency overhead, 99.99% SLA availability with multi-AZ failover, and sustains throughput 1.9× the Open Finance Brasil operational average. The infrastructure supports 4.2M active consents with 375K new weekly additions.

Launch a fintech payment product without obtaining a BACEN payment institution license

Cumbuca provides regulated access to Pix and Open Finance through its own BACEN-licensed infrastructure, allowing fintechs to process payments and access financial data without the 24-36 month licensing process. The proxy sits between client infrastructure and the regulated ecosystem, enabling production deployment in weeks rather than years.

Access raw credit data from BACEN's Sistema de Informações de Crédito (SCR) for underwriting and risk assessment

Cumbuca provides exclusive direct access to SCR raw data without intermediary abstraction layers, enabling clients to build proprietary underwriting engines and credit analytics using complete transaction and credit operation records from the central bank source.

Build payment initiation and data access capabilities with direct control over infrastructure and data flows

Cumbuca offers a transparent Layer 7 proxy that maps 1:1 to official Open Finance APIs without abstraction or data intermediation. Clients maintain full ownership of infrastructure, cryptographic keys, and data logic while Cumbuca handles only regulatory bridge functions via mTLS and JWS signing.

Migrate from a regulated infrastructure provider to independent BACEN licensing without rewriting code or changing architecture

Cumbuca's proxy design enables zero-friction migration: when clients obtain their own payment institution license, they simply swap certificates and endpoints. No infrastructure changes, no code rewrites, and no architectural modifications required.

Drop

Not a fit when

  • Organizations seeking a traditional SaaS pricing model with transparent per-transaction or monthly fees; Cumbuca does not publish pricing information
  • Companies without technical infrastructure or engineering teams to integrate with Open Finance APIs; the product requires embedded engineers and infrastructure setup
  • Businesses operating outside Brazil; Cumbuca provides access exclusively to the Brazilian Open Finance ecosystem and Pix regulated by BACEN
  • Organizations requiring immediate plug-and-play solutions without integration timelines; deployment takes 2-4 months for custom builds or 4-8 weeks for pre-built infrastructure
  • Fintech companies already holding their own BACEN payment institution license; Cumbuca's value proposition is licensing-as-a-service for those without one
  • Enterprises prioritizing vendor lock-in or managed services; Cumbuca explicitly emphasizes zero lock-in and data ownership, requiring client infrastructure control
Commercials

Pricing

Pricing not specified