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
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 Fin
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?