Regulus by Cumbuca
UnclaimedRegulated Pix and Open Finance infrastructure for businesses in Brazil.
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What is Regulus by Cumbuca?
Regulus by Cumbuca is a api tools tool. 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. Key capabilities: Regulated proxy for Pix and Open Finance, Direct access to Open Finance APIs (1:1 mapping), Pix payment initiation (including recurring payments), Access to Open Finance data (accounts, cards, credit, investments, FX), Exclusive access to raw SCR (Sistema de Informações de Crédito do Banco Central) data. Regulus by Cumbuca is paid-only, with most plans including a trial period.
TL;DR - Regulus by Cumbuca
- Provides a regulated proxy for direct access to Brazil's Pix and Open Finance.
- Eliminates the need for businesses to obtain their own banking license for financial operations.
- Offers 1:1 API mapping, full infrastructure control, and high performance for payments and data access.
Pricing: Paid only
Best for: Enterprises & pros
Pros & Cons
Pros
- Avoids the need for a banking license to access regulated financial services.
- Maintains full control and ownership of a company's infrastructure and data.
- Offers direct, transparent access to Open Finance APIs without abstraction layers.
- Provides high performance with low latency and high availability (99.99% SLA).
- Simplifies regulatory compliance with built-in mTLS and JWS handling.
Cons
- Specific to the Brazilian financial market (Pix and Open Finance).
- Requires integration with existing infrastructure, not an out-of-the-box end-user solution.
- Pricing details are not publicly available on the provided page.
Key Features
Regulated proxy for Pix and Open FinanceDirect access to Open Finance APIs (1:1 mapping)Pix payment initiation (including recurring payments)Access to Open Finance data (accounts, cards, credit, investments, FX)Exclusive access to raw SCR (Sistema de Informações de Crédito do Banco Central) datamTLS and JWS signature handling for regulatory complianceZero lock-in, allowing easy transition to own licenseMulti-AZ deployment with automatic failover and near real-time replication
Pricing
Paid
Regulus by Cumbuca offers paid plans. Visit their website for current pricing details.
About Regulus by Cumbuca
LCLouis CorneloupCumbuca 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.
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Regulus by Cumbuca FAQ
How does Cumbuca's Regulus proxy differ from traditional Open Finance providers or wrappers?
Cumbuca's Regulus acts as a transparent, regulated proxy with a 1:1 mapping to Open Finance APIs, meaning it doesn't introduce an additional abstraction layer or proprietary APIs. Unlike traditional providers that might abstract away the underlying Open Finance endpoints or require data to flow through their systems, Regulus ensures your infrastructure maintains direct control and ownership, only providing the regulatory bridge.
What happens to my integration if my company decides to obtain its own banking license in the future?
Cumbuca's Regulus is designed for zero lock-in. If your company obtains its own license, you only need to swap the certificates. Your existing infrastructure and integration code remain unchanged, ensuring a smooth transition without requiring a rewrite of your financial integration logic.
What specific types of Open Finance data can be accessed through the Regulus proxy?
Through the Regulus proxy, you can access a comprehensive range of Open Finance data via consent, including account information, credit card details, credit operations, investment portfolios, and foreign exchange data. This access is 1:1 with the official Open Finance endpoints, ensuring data fidelity.
What is the typical latency added by the Cumbuca proxy, and how does it ensure high availability?
The Cumbuca proxy adds minimal latency, with a P50 of 10 ms, P90 of 17 ms, and P99 of 33 ms, measured under normal production load. High availability is ensured through a multi-AZ deployment with automatic failover, near real-time replication between zones, and hot-upgrades without downtime. The underlying Erlang/OTP foundation also contributes to its self-regenerative processes and horizontal scalability.
Beyond standard Pix payments, what advanced payment initiation features does Regulus support?
In addition to standard Pix initiation via Open Finance, Regulus supports various advanced modalities including cobrança (billing), sweeping (automatic transfer of funds), and Pix Automático (recurring Pix payments). All these features are accessible under the same contract, providing a comprehensive payment initiation suite.
Source: cumbuca.com