Fintech payments

Cumbuca

Website
Founded 2021Origin source ↗Checked 2026-09-15

Overview

Cumbuca is an infratech bank for developers to build financial products with direct Central Bank connectivity. Instead of working around unreliable middleware, you get bare-metal access to Pix, payment initiation, and data APIs under our license, so you ship products faster and we handle the compliance. There's no vendor lock-in, and your service will never be disrupted by us.

Company description As recorded 2026-11-08
LinkedIn GitHub
Fintech paymentsAPI platformDevelopersDevelopersUsage & volume pricing

Founders & team

Previously Comadre

Company history As recorded 2026-11-08

Daniel Ruhman

Founder

Self taught developer, released first iPhone app when 14y - currently 23y. Dropped out of Computer Engineering degree in Brazil after brief time doing Cog Sci @ UC Berkeley to become an entrepreneur focused on improving the lives of Brazil's lower income population, and have been working with low income households and gig economy workers for the past 2.5 years. I’m a huge enthusiast on all things human behavior, gig economy, fintech, and above all in ways to unlock LATAM full potential.

Founder profile As recorded 2026-09-15
5team members reported
Source-reported As recorded 2026-09-15

Founded 2021 · Source

News & product activity

Sources & observations

Y Combinator

Profile depthverified profile
Website observationwebsite reachable
Last website check2026-11-11
Location · source statedSão Paulo, SP, Brazil
Pricing evidenceNo pricing page confirmed
Maturity: Not assessed · 3 of 6 areas documented

Source-based assessment · automated evidence rules

The retained text does not establish product availability or customer use.

Maturity is an evidence-based assessment, not a success rating. It may understate the current stage where evidence is limited. Coverage records documented areas, not a complete or independently audited company history.

Stage definitions
independent websitesource corroborationreachable websitedescriptive evidenceclassified market and modelsourced peoplesourced founding year
startup.observe Directory coverage · Sources & method