Regulus

Cumbuca offers Regulus, a regulated proxy infrastructure that allows businesses to directly access Brazil's Pix payment system and Open Finance ecosystem without needing their own banking license. It acts as a thin, transparent layer between a company's existing infrastructure and the regulated financial ecosystem, simplifying compliance and integration. This solution is designed for businesses that want to leverage Open Finance and Pix for payments and data access, but wish to maintain full control over their own infrastructure, data flows, and integration logic. By providing a direct, 1:1 mapping to Open Finance APIs and handling regulatory complexities like mTLS and JWS signatures, Cumbuca enables faster integration and reduces the operational burden associated with traditional banking intermediaries. Regulus supports payment initiation (including recurring Pix and sweeping), and 1:1 access to Open Finance data for accounts, cards, credit, investments, and foreign exchange. It also offers exclusive access to raw SCR (Sistema de Informações de Crédito do Banco Central) data. The service boasts high performance, with minimal added latency, 99.99% availability, and significant throughput capacity, built on a robust Erlang/OTP foundation.