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The Bottom Line
- Price
- Paid plans only. Compare plans
Key facts
- 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.
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.
What is Regulus by Cumbuca?
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.
Available on: Web
Louis Corneloup Source cumbuca.com ↗
Key Features
- 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
- mTLS and JWS signature handling for regulatory compliance
- Zero lock-in, allowing easy transition to own license
- Multi-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.
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Regulus by Cumbuca FAQ
How does Regulus by Cumbuca enable businesses to use Brazil's Pix payment system?
Regulus provides a regulated proxy infrastructure that allows businesses to directly access the Pix payment system in Brazil without needing their own banking license. It simplifies compliance and integration by acting as a transparent layer between a company's existing infrastructure and the regulated financial ecosystem. This includes support for payment initiation, such as recurring Pix and sweeping.
Which teams within a company would benefit most from using Regulus?
Teams responsible for payment processing, API integration, and compliance management would find Regulus most beneficial. It is designed for businesses that want to leverage Open Finance and Pix for payments and data access while maintaining control over their infrastructure and data flows. This allows for faster integration and reduced operational burden.
How does Regulus compare to a competitor like Rapyd regarding access to financial services?
Regulus by Cumbuca specifically offers direct, regulated access to Brazil's Pix payment system and Open Finance ecosystem, allowing businesses to operate without a banking license within that market. It provides a 1:1 mapping to Open Finance APIs and handles regulatory complexities like mTLS and JWS signatures. Rapyd offers a broader global payment and financial services platform.
What kind of data access does Regulus provide through Open Finance?
Regulus offers 1:1 access to Open Finance data across various categories, including accounts, cards, credit, investments, and foreign exchange. Additionally, it provides exclusive access to raw SCR (Sistema de Informações de Crédito do Banco Central) data. This allows businesses to integrate comprehensive financial information directly into their systems.
How is Regulus by Cumbuca priced?
Regulus is a paid product and does not include a permanently free tier. While specific pricing details are not publicly available, it is offered as a service for businesses seeking regulated financial infrastructure.
Can Regulus handle high volumes of transactions and data requests?
Yes, Regulus is built for high performance, boasting minimal added latency and 99.99% availability. It offers significant throughput capacity, supported by a robust Erlang/OTP foundation, making it suitable for businesses with demanding transaction and data processing needs.
Source: cumbuca.com