Cumbuca was founded by Daniel Ruhman in 2021.

Who are Cumbuca's investors?

Cumbuca's investors include Y Combinator, Lightspeed Venture Partners, Verve Capital, Bewater Ventures, Harvard Management Company, Igah Ventures, Phalanx.

Where is Cumbuca headquartered?

Cumbuca is headquartered in São Paulo, BR.

Cumbuca

YC S21

São Paulo, BR · Founded 2021 · 5 employees · 7 known investors

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Cumbuca operates a Layer 7 API proxy that provides regulated access to Brazil's Open Finance and Pix ecosystem without requiring intermediaries or a separate payment institution license. It offers direct integration with Banco Central's open banking APIs for payments, account data, and credit information.

Also known as Comadre

Data & Infrastructure Fintech SaaS B2B API InfrastructureBrazilLatin AmericaPartly Remote

Founders & leadership· Y Combinator alumni (S21)

Cumbuca was founded in 2021 by Daniel Ruhman.

Daniel Ruhman FounderDaniel Ruhman studied cognitive science at UC Berkeley and computer engineering in Brazil before leaving university to focus on entrepreneurship. For the past 2.5 years, he has worked with low-income households and gig economy workers in Brazil, with background experience in software development.

Bruno CuryFounder

Pedro CastilhoFounder

Pedro CavalcanteHead of Data

Fernanda BernardoHead of People

Investors · 7

Y Combinator✓ confirmed by CumbucaSan Francisco · $500K

How we know: the Y Combinator directory · open dataset · 5k.vc investor directory · Not right? Tell us

Lightspeed Venture Partnerslisted by Lightspeed Venture PartnersMenlo Park · $1M – $5M

How we know: Lightspeed Venture Partners's portfolio page · a partner's Signal profile · funding news · open dataset · 5k.vc investor directory · Y Combinator's founder network · Not right? Tell us

Verve Capitallisted by Verve CapitalSão Paulo

How we know: funding news · Y Combinator's founder network · Not right? Tell us

Bewater VenturesreportedSão Paulo

How we know: a partner's Signal profile · Not right? Tell us

Harvard Management CompanyreportedAllston

How we know: Y Combinator's founder network · Not right? Tell us

Igah VenturesreportedWilmington · $300K – $7.5M

How we know: a partner's Signal profile · Not right? Tell us

PhalanxreportedJupiter

How we know: Y Combinator's founder network · Not right? Tell us

Funding

SEC filings, press & company announcements

Undisclosed amountSeed Investment RoundAug 2023
Source ↗

Source: company announcements and press reports — follow each round's link for the claim.

Related companies · 5

HUBUCHUBUC provides financial infrastructure and fintech products for small and medium enterprises. The platform democratizes access to banking services through Banking as a Service and payment solutions.

AlpacaAlpaca provides brokerage infrastructure APIs that enable fintechs and financial institutions to build investing applications and platforms with access to stocks, options, crypto, and other asset types. The company serves global financial institutions and retail developers across 40+ countries through developer-friendly APIs.

WingbackWingback provides a platform for B2B SaaS companies to manage monetization, pricing, packaging, and invoicing. The company targets SaaS founders and leaders seeking consolidated tools for growth and revenue operations.

GlideGlide provides cross-chain wallet funding infrastructure for decentralized applications, enabling users to deposit cryptocurrency from any chain, wallet, or exchange without bridges or swaps. The platform streamlines onboarding for crypto products by allowing instant deposits directly to user accounts.

Luca IQLuca IQ is a tax preparation platform for accounting firms and CPAs that handles the workflow from client intake and document collection through preparation, review, e-signature, delivery, and IRS e-filing. It structures source documents and provides an audit trail so every field traces back to its source, offered via a single API.

Companies working in the same space as Cumbuca.

Legal entities · 1

corporate structure

Comadre

In the news

Cumbuca: The first proxy for the Brazilian regulated ecosystemycombinator.com · Dec 2025

Frequently asked questions

What does Cumbuca do?: Cumbuca operates a Layer 7 API proxy that provides regulated access to Brazil's Open Finance and Pix ecosystem without requiring intermediaries or a separate payment institution license. It offers direct integration with Banco Central's open banking APIs for payments, account data, and credit information.
Who founded Cumbuca?: Cumbuca was founded by Daniel Ruhman in 2021.
Who are Cumbuca's investors?: Cumbuca's investors include Y Combinator, Lightspeed Venture Partners, Verve Capital, Bewater Ventures, Harvard Management Company, Igah Ventures, Phalanx.
Where is Cumbuca headquartered?: Cumbuca is headquartered in São Paulo, BR.