Connect your bank account to ChatGPT or Claude via Open Finance. Check statements, understand your spending, analyze your finances — all in plain language. No account creation. No middlemen.
Your financial data exists. But you can't access it.
Open Finance promised to return control of financial data to people. In practice, accessing that data still requires a Central Bank license or contracting a middleman (OFaaS). If you're a developer who simply wants to see your own data, understand how Open Finance works, or build something on top of it — there's no simple path today.
"AI has already democratized access to code and app creation. We want to do the same with financial data."
The solution
An MCP that connects AI to your bank data.
The Open Finance Data MCP is an MCP server (Model Context Protocol) that lets AI assistants like ChatGPT and Claude access your bank data directly — with your authorization, via Open Finance.
More secure than a password
Authentication via Open Finance, regulated by the Central Bank. You authorize through your own bank — with biometrics or your banking PIN — without creating a Cumbuca account or sharing any credentials.
Your data, your control
Consent revocable at any time. You decide when to start and when to stop sharing.
Works where you already are
Compatible with ChatGPT, Claude, and any client that supports the MCP protocol.
Who it's for
Built for builders.
Developers
Want to understand how Open Finance works in practice? Connect your own data and explore the APIs without needing a license or infrastructure.
AI enthusiasts
Your prompts get more powerful with real data. Analyze spending, build budgets, identify patterns — all by talking to the AI.
Fintech builders
Prototype use cases with real data before investing in a license. Validate ideas fast and understand the full potential of Open Finance.
How it works
3 steps. 2 minutes.
01
Install the MCP
Copy the MCP server URL and add it in your AI client's settings (Claude Desktop, ChatGPT, etc).
02
Authenticate via Open Finance
Enter your CPF and select your bank. The authorization flow follows the Open Finance standard — secure and regulated by the Central Bank.
03
Talk to your data
Ask about your spending, request summaries, analyze categories. The AI accesses your bank data in real time via Open Finance.
Examples
> How much did I spend on food last month?
> Give me a summary of this week's transactions
> What were my biggest expenses in February?
Use cases
From conversation to spreadsheet in seconds.
Connect your account and ask what you want, in plain language.
Credit card
"What are my top 5 spending merchants on my card over the last 3 months?"
Monthly spreadsheet
"Create a spreadsheet with all my October expenses, broken down by category"
Long history
"Show my monthly expenses over the last 10 months, in table format"
Spending cuts
"Where can I cut to save R$ 500 a month?"
Spending patterns
"What day of the week do I spend the most?"
Quick summary
"Give me a summary of my expenses this month"
Quick start
Set up now.
Choose your AI client and follow the steps. Takes less than 2 minutes.
Open Claude Desktop or claude.ai
Go to Settings → Connectors → Add custom connector
Paste the server URL:
https://mcp.cumbuca.com/mcp
Click "Add"
On your first query, the Open Finance authentication flow will start automatically
⚠Company-paid account (Teams/Enterprise)? Only the Organization Owner can add connectors — you likely won't see this option. Ask your admin to enable the Cumbuca connector, or use a personal Claude.ai account.
Enable Developer Mode:
Settings → ··· → Enable Developer Mode
Go to Settings → Connectors → Create
Paste the server URL:
https://mcp.cumbuca.com/mcp
Confirm the connection
On your first query, you'll be redirected to authenticate via Open Finance
In your terminal, run:
claude mcp add --transport http \
cumbuca \
https://mcp.cumbuca.com/mcp
Restart Claude Code
On your first query, the Open Finance authentication flow will start automatically
{
"mcpServers": {
"cumbuca-openfinance": {
"url": "https://mcp.cumbuca.com/mcp"
}
}
}
Available dataBank statement + credit card
Current limitation1 account at a timeOnly accounts in your name (CPF)
Coming soonMultiple accounts and banks
Your data is not used for commercial purposes. The data you query via MCP is not stored on our servers. The records we are required to keep by regulatory mandate are encrypted with dual-layer encryption and accessed exclusively for BACEN reporting.
Technical details
Server URL
https://mcp.cumbuca.com/mcp
Protocol
MCP (Model Context Protocol)
Authentication
Open Finance (CPF + bank selection)
Consent & privacy
Full transparency about your data.
The Open Finance Data MCP follows all Central Bank regulations for data sharing. You have complete control:
Explicit consent
You authorize each connection individually. No implicit permissions, no opt-out by omission.
Revoke at any time
Access the consent management page to revoke access. No friction, no calls, no queue.
Data not stored
The bank data you query via MCP is not stored on our servers at any point. The query happens in real time — the AI accesses, responds, and the data does not persist on our side.
Regulatory data encrypted
The metadata we are required to retain by regulatory mandate is protected with dual-layer encryption. Internal access is restricted to audit and reporting purposes — never for analysis or commercial use.
Set up now
Your data. Your AI. No middlemen.
Set up the MCP and start talking to your financial data in under two minutes.
