For years, Brazil’s payment infrastructure left small sellers behind. Legacy acquirers and dated payment rails resulted in slow, expensive and unreliable transactions. Settlements could take up to 30 days, and early access to funds came with a steep fee. With limited, practical tools to manage cash flow or access credit, most entrepreneurs defaulted to what worked best: cash. Even today, a large portion of B2C transactions in Brazil remain cash-based, a reflection of how challenging payment infrastructure has been for the country’s small businesses. 

Over the past six years, CloudWalk has rebuilt Brazil’s financial stack from the ground up. Founded in São Paulo, the company has transformed a legacy system that once left small sellers behind into an AI-driven financial infrastructure built for speed, efficiency, and scale. Its flagship product, InfinitePay, unifies card acquiring, instant settlement, digital banking, and AI-powered business management into a single mobile experience. What was once a fragmented web of cash payments, paper receipts, and WhatsApp messages is now a seamless digital ecosystem where people can accept payments, receive funds instantly, issue virtual cards, and manage expenses within minutes.

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At the heart of this transformation is AI, not as an add-on, but as the company’s foundational operating system. CloudWalk embedded artificial intelligence into its platform from inception, long before large language models became mainstream. Its proprietary ledger and AI agents process millions of transactions in real time, detect fraud, and handle nearly all customer support autonomously. Internal AI “employees” like Bela (sales) and Claudio Walker (customer service) collectively perform the work of hundreds of people, managing hundreds of thousands of customer conversations per month and resolving 90% of queries within seconds.¹ This deep automation enables CloudWalk to operate at massive scale with remarkable efficiency—a business model where intelligence, not headcount, drives growth.

CloudWalk’s vertical integration translates into real-time payments, lower costs, and best-in-class efficiency compared with legacy incumbents. For the long tail of Brazilian entrepreneurs, which includes tens of millions of Microempreendedores Individuals (MEIs) such as market vendors, salon owners, and delivery couriers,² InfinitePay has become a core business operating system.

Expanding the platform and CloudWalk’s global reach

With more than six million sellers now on the platform and a growing suite of financial products, CloudWalk is expanding beyond payments, and beyond Brazil.³ In 2025, the company launched JIM.com, an AI-powered platform that unites instant payments, tap-to-pay, and an AI agent. JIM.com debuted in the U.S., where it gained customers across all 50 states within months, and now acts as a digital employee for entrepreneurs: managing cash flow, setting prices, running marketing campaigns, and even generating social media content. JIM.com offers flat 1.99% transaction pricing, roughly one-third lower than the 3% fees most small businesses pay today, giving sellers an immediate and transparent cost advantage in a market long constrained by high processing fees.⁴

The expansion is promising. JIM.com has reached all U.S. states, powered entirely by a product-led growth strategy. In Brazil, CloudWalk has already demonstrated its ability to continuously build on top of its payments foundation, launching products like InfiniteCash (real-time credit), Payment Link (sales via WhatsApp), and InfiniteNitro (its proprietary instant payment system), all powered by the same AI-driven core. Looking ahead, the opportunity extends far beyond acquiring. CloudWalk’s proprietary ledger and AI infrastructure provide the foundation to launch embedded lending, payroll, and insurance. In markets where micro and small entrepreneurs make up the majority of businesses, CloudWalk’s combination of simplicity, automation, and affordability is uniquely suited to scale globally.

The numbers speak for themselves 

In just six years, CloudWalk has grown from $2 million to over $1.2 billion in annualized revenue, and $128 million in net income as of September 2025.³ The company now serves over 6 million sellers across Brazil and the U.S., doubling its customer base in less than a year. CloudWalk’s efficiency is world-class. Revenue per employee has doubled year-over-year to $1.7 million, and its AI agents now handle nearly all customer interactions. We believe this combination of hypergrowth, profitability, and automation puts CloudWalk among the most efficient fintechs on the planet. As AI continues to transform the economics of financial services, CloudWalk is redefining what it means to build a scalable, self-driving financial network for small businesses everywhere.

CloudWalk’s rise signals a broader shift toward what founder Luis Silva calls “self-driving finance,” an autonomous financial system led by AI agents capable of managing money, granting credit, and executing financial operations with fairness, speed, and transparency. We are very excited to support Luis, Marcelo, Pablo and the rest of the CloudWalk team in the next chapter of their journey.