Regulated Layer-7 proxy providing direct zero-lock-in access to Brazil's Pix and Open Finance ecosystems under a BACEN license.
Cumbuca is a BACEN-regulated payment institution that offers fintech companies a transparent Layer-7 proxy for direct access to Brazil's Pix and Open Finance APIs without needing their own regulatory license or dealing with data-mediating middleware. The proxy translates signed requests (mTLS/JWS) 1:1 to official endpoints, adds near-zero latency (P50), achieves a 99.99% SLA on multi-AZ Erlang/OTP infrastructure, and stores no client data. When companies later obtain their own license, migration is a certificate swap with no code changes. Cumbuca is a product of Cumbuca.