Mcp

Cumbuca Open Finance Data MCP

HTTP-transport MCP server that lets AI agents query a user's Brazilian bank data — statements + credit-card transactions — via Open Finance (Bacen-regulated; CPF + bank biometric/PIN auth, no Cumbuca account, no shared credentials). Built by Cumbuca, an ITP-licensed Payment Institution. MVP scope: single account per setup, ~5 queries/day, BR banks only.

Verified: 2026-05-07 (vendor-launch-page-2026-05-07)

When to use Cumbuca Open Finance Data MCP

Choose if

Your agent needs to read the user's actual Brazilian bank statement or credit-card transactions, with the user authorizing via their own bank (biometric/PIN). Best fit for personal-finance workflows that complete in one shot — subscription audits, monthly expense breakdowns, transaction search/reconciliation.

Avoid if

You need investments, multi-account net worth, SCR/credit-bureau, payment initiation, more than ~5 queries/day, or any non-Brazilian bank. Also avoid if continuous background monitoring is required — the daily query budget precludes polling-style flows.

Background

Cumbuca operates as a thin regulated proxy under its Payment Institution (ITP) license. Customers authorize via their own bank — biometrics or PIN — and the MCP exposes the resulting Open Finance data feed to any MCP client (Claude Code, Claude Desktop, ChatGPT Developer Mode, Cursor, etc.). Use this when an agent needs to read the user’s actual personal bank statement or credit-card transactions in real time. Authorization can be revoked at any time through the user’s bank.

https://www.cumbuca.com/en/launchweek/of-data-mcp/

Works with: Claude Code, Claude Desktop, ChatGPT (Developer Mode), Cursor, any MCP-compatible client

Risk Flags

  • MEDIUM scope_limit MVP scope is statements + credit-card transactions, single account per setup, BR banks only. Investments, multi-account aggregation, SCR/credit-bureau, payment initiation, and FX/exchanges are not in the v1 surface. Don't promise net worth across accounts, debt aggregation, or investment analytics from this data source today.
  • MEDIUM rate_limit ~5 queries/day per user during MVP. Suitable for one-shot user-initiated audits (subscription detection, monthly reconciliation), not for continuous monitoring or batch backfills.
  • LOW regulatory BR banks only by regulation (Open Finance is a Brazilian Bacen framework). Won't work for users outside Brazil. Cumbuca is the regulated proxy; the data flow follows Bacen's mTLS + JWS request signing.
  • LOW maturity MVP launched May 2026. API surface and rate limits may evolve; revisit last_verified before relying on this for critical workflows.

Cost

Type: Free · Free tier: Free during MVP. Vendor-published rate limit ~5 queries/day per user (verified 2026-05-07 via Product Hunt launch listing). Paid tier not publicly priced; treat as personal/retail-only for now.

Install

Default

claude mcp add --transport http cumbuca https://mcp.cumbuca.com/mcp
# After install, the Open Finance authorization happens at first use:
# the agent's first call triggers a redirect through the user's bank
# for CPF + biometric/PIN consent. No Cumbuca account, no credentials shared.

Setup docs →

Estimated time to first success: ~2 min

Chatgpt

Settings → Connectors → Create → paste https://mcp.cumbuca.com/mcp (requires Developer Mode)
Developer Mode must be enabled in ChatGPT settings to add custom MCP connectors.

Claude desktop

Settings → Connectors → Add custom connector → paste https://mcp.cumbuca.com/mcp

Cursor

Add to .cursor/mcp.json with transport=http and url=https://mcp.cumbuca.com/mcp

Dependencies

Composes with: auxiliar-mcp