Cumbuca, the first regulatory proxy for Brazil's Open Finance and PIX ecosystem, today has launched a Model Context Protocol (MCP) server that gives users the ability to connect their bank account data to AI tools like Claude and ChatGPT in under two minutes.Brazil's Open Finance framework gives consumers the right to share their financial data across institutions, but until now, accessing that data directly has required either a banking licence, an enterprise-grade technical setup, or a costly third-party aggregator subscription.Cumbuca's MCP server addresses this issue by enabling users to authenticate via Open Finance's own consent flow using their individual taxpayer registration number (CPF). Users can then select their bank and begin asking questions about their spending patterns, monthly summaries, or specific transactions. All of this is communicated in plain language through the AI tools they already use. Importantly, the data remains under the user's control, they can revoke access at any time, and access is strictly personal to the authenticating user and cannot be used to build services for other users."Brazilians have been sharing their Open Finance data for years, but always through a bank's app for the bank's purposes. We built the first MCP server to empower consumers in this relationship, while adhering to the Central Bank's framework," said Pedro Castilho, Co-founder and CTO of Cumbuca. "Most users are unaware of what their bank knows about them. Now, they can simply ask."Cumbuca operates the server under its own Payment Institution license, providing users with regulated access without requiring them to obtain a license themselves. The server functions as a Personal Finance Manager, ensuring it does not share user data with third parties. Each AI client connecting to the server is automatically registered and issued a unique identifier.The Open Finance MCP server comes at a time when consumers are increasingly leveraging AI assistants to manage their personal finances. The initial version of the server focuses on current account statements and credit card transactions. It builds on the same open and interoperable principles that made Pix, Brazil's central bank-run instant payments network, one of the most adopted financial products in history. The network now reaches around 91% of the adult population and processes more than six billion transactions a month.“Brazilian consumers have always owned their financial data on paper, and now they can use it. Cumbuca's MCP server, delivering real-time insights, personalised recommendations, and smarter financial decisions without friction, is the promise of Open Finance being kept," said Jonatas Giovinazzo, President Director, INIT.NoYesArtificial Intelligence14 May, 2026