Cumbuca

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 🇧🇷

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?