Cumbuca

Cumbuca is a financial technology company focused on simplifying shared finances for individuals in Brazil. Founded by Daniel Ruhman, the company's mission is to provide a modern, digital alternative to traditional joint bank accounts. Its core product is a mobile application that allows users to create a shared digital account, add members, contribute funds, and pay bills or make purchases together. The platform facilitates the division of expenses and helps manage financial life for couples, roommates, or any group sharing costs, operating primarily through Brazil's PIX payment system and a shared virtual/physical card. Cumbuca operates as a payment institution in partnership with Celcoin, which is regulated by the Central Bank of Brazil.