Careers in fintech are often defined by what systems allow, rather than what founders set out to build. Work that begins with consumer products can quickly become about payments rails, licensing and the practical limits set by regulation. In this week’s In Profile, Cumbuca co-founder and CEO Daniel Ruhman talks about his route into fintech, his experience operating in Brazil’s payments market, and how infrastructure and regulation affect day-to-day decisions for fintech companies. Tell us more about your company and its purpose Daniel Ruhman, co-founder and CEO, Cumbuca Cumbuca helps financial services companies operate in Brazil without spending years obtaining their own payments licence or handing over control to restrictive third-party providers. Basically, we act as a proxy into Brazil’s regulated ecosystem. Companies use our licence to connect directly to infrastructure such as Pix and open finance, but they still build and own their own systems. We handle the regulatory and compliance side of things; their tech, their data, and their operational decisions stay with them. We built it because companies shouldn’t have to choose between speed and control. Right now, that trade-off exists, and we’re removing it. What are some of your recent achievements you’d like to highlight? One highlight this year was our contribution to the Pix Anniversary Report, launched with W Fintechs to mark five years since Pix started. It was fascinating to step back and look at how something that began as a new payment method has become part of Brazil’s core financial infrastructure. The report…
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