Cumbuca

Develop your own payments infra in Brazil using our license

399 followers

Develop your own payments infra in Brazil using our license

399 followers

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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

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Launch tags:Fintech•Payments•Banking

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Cumbuca

Maker

📌

Hey Product Hunt 👋 We’re Daniel, Bruno, and Pedro — founders of Cumbuca, the first proxy for Brazil’s regulated ecosystem. After years of building fintechs in Brazil, we saw how painful it is to obtain a license or depend on PSPs and BaaS providers. Our previous B2C operation scaled to over a million accounts, and we suffered since a lot of our core product relied on partner infra, and it hurt us to not be able to solve the issues affecting our customers. We’ve been deeply involved with Open Finance since its earliest days — we were one of the first players in the ecosystem and became the **fourth ITP/PISP license ever issued in Brazil**, and after closing our B2C operation decided to pivot to B2B and build the financial infrastructure partner we always wished existed for ourselves. We’ve always been obsessed with the technology and the infrastructure behind Open Finance and Pix in Brazil, it's potential to be a transformational benefit to millions of Brazilians and wish to use our license and expertise to partner with amazing companies that will bring those benefits to life. Cumbuca is the result of that journey: a regulatory bridge that enables fintechs to operate with **direct access to Pix and Open Finance** while retaining complete control over their operations. You **build your own infrastructure, own your operational data, resolve issues without middlemen, and enjoy the same development freedom you would have if you held your own license** — all while we carry the regulatory exposure and maintain the highest compliance standards. **We redesigned the delivery layer from the ground up.** Instead of exposing Cumbuca APIs, which would impose our abstractions and limit customer flexibility, we built a **regulatory proxy**. Customers can develop their entire infrastructure end-to-end using the **same APIs available to banks and other regulated players**. They generate their requests, send them to our proxy, and we sign and forward them under our license. The proxy is intentionally a **minimal layer**, giving us only what we need: logging, compliance, visibility, and access control. **There is no Cumbuca API — only the proxy.** We’ve supported global and local companies launching and scaling in Brazil. While we’re excited to share Cumbuca with the PH community, we’re **not a self-serve platform** — we work selectively with high-volume fintechs and infrastructure players where deep customization and autonomy are essential, and which are aligned on a long term plan for the Brazilian payments market. We’d love to hear from you — who’s considering entering the Brazilian market? What’s holding you back? How has your experience been with Brazilian fintech infra providers? 💬 Ask us anything below! — The Cumbuca team 🇧🇷

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3mo ago

Hey Daniel, congrats on the pivot and that line about not being able to solve issues affecting your customers really stands out. When you were running the B2C operation with a million+ accounts, was there a specific incident where you knew exactly how to fix something for your users but couldn’t because you were stuck waiting on a partner?

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2mo ago

Cumbuca

Maker

@vouchy I can name a few! The most repeating one was downtime by our provider in critical moments like for example at the beginning of the month when most users were cashing in their paychecks. We also had some terrible ones like payments that were supposed to be instant taking hours to clear, judicial blocking on user assets with no warning or way to check for it, hard times when users changed their legal names... lot's of edge cases that, at scale, become critical.

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2mo ago

Brazil is a huge market, which ingorned by a lot of products because of payment issues. Having a payment gateway is a huge step and makes it easier to get to this big market!

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2mo ago

Cumbuca

Maker

@pasha_tseluyko 🚀

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2mo ago

I have been following Cumbuca since its founding. This pivot speeks volumes about their flexibility and competence. They are skillfully navigating a complex regulatory inviroment and were still one of the first 3 companies with an ITP license in Brazil.

Keep up the great work!

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2mo ago

Cumbuca

Maker

@guilherme_cury thank you so much!!!

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2mo ago

Hey @ruhman great pivot! I can't imagine a better team to be building this in Brazil other than you guys, so congratulations a lot for the pivot and the launch!

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2mo ago

Cumbuca

Maker

@nathandias thank you so much!

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2mo ago