Regulation shouldn't require an entire legal department.
Regulus is an AI chatbot trained on Brazil's Central Bank regulations for Open Finance and Pix. Ask in plain language. Get answers grounded in official sources.
Navigating Central Bank regulation is a full-time job.
Scattered regulations
Resolutions, circulars, and normative instructions scattered across dozens of documents, with no adequate search structure. Finding the right answer takes hours.
Constant updates
The regulatory framework changes frequently. A rule from six months ago may already be revoked or amended. Keeping up is an ongoing cost.
Generic AI doesn't cut it
ChatGPT and similar tools hallucinate on regulation. They invent articles, mix up rules, and blur jurisdictions. For compliance, a wrong answer is worse than no answer.
If you've ever needed to answer "what does the regulation say about X?" and spent an afternoon on the Central Bank's website, Regulus was made for you.
The solution
Trained on official sources. Not the open internet.
Regulus is an AI assistant built exclusively on Brazil's Central Bank regulations for Open Finance and Pix. It's not a generic model with a custom prompt — it's a system fed directly from the relevant resolutions, circulars, and normative instructions.
Regulus
Trained on official Central Bank sources
Defined scope: Open Finance + Pix
Cites the source of every answer
Acknowledges when it doesn't know
Source quality manually audited
Generic AI
Trained on the entire internet
No regulatory specialization
Doesn't cite the source
Hallucinates with confidence
No source curation
Who it's for
Built for those who need regulatory answers every day.
Primary
Compliance and legal
Query specific regulations without combing through documents. Ideal for smaller fintechs without a dedicated legal team for banking regulation. Regulus works as a reliable first filter before final validation.
"What are the requirements for mandatory participation in Open Finance?"
Secondary
Product
Understand regulatory constraints before designing a feature. Check what's allowed and what isn't when defining scope — without waiting a week for legal to get back to you.
"What payment data can a transaction initiator access via Open Finance?"
Secondary
Engineering
Clear up technical questions about regulatory requirements during implementation. Especially useful for understanding mandatory fields, formats, and API constraints.
"What is the maximum response time for a consent request?"
How it works
Three steps. No installation.
01
Open it on WhatsApp
Start the conversation via link or QR code. No sign-up, no download, no account creation.
02
Ask your question
Ask in natural language about any Open Finance or Pix regulation. Be specific: cite articles, resolutions, or describe your scenario.
03
Get the answer with the source
Regulus answers based on official regulations and cites the resolution or circular it came from. You have 5 questions to explore.
Why us
Built by those who implement Open Finance every day.
Cumbuca is regulated Open Finance infrastructure. We're direct participants in the ecosystem, not observers. Regulus wasn't born out of a marketing exercise. It came from the same need our technical team faces daily: finding regulatory answers quickly and trusting the source.
For those acting in good faith who want to enter the ecosystem the right way, we want to give every tool available. Regulus is the compliance equivalent of what Playground is for developers: a trustworthy entry point.
Compliance-first
Every source was reviewed manually. We prioritize quality over quantity. The scope is deliberately limited to Open Finance and Pix — because we'd rather answer well than answer everything.
Deeply technical
Our team lives banking regulation. We're not interpreting rules from the outside — we apply them in practice, every day, in production.
No waiting on legal
Query the regulation directly on WhatsApp.
Five questions. Sourced answers. Trained only on the regulations that matter.
