CloudWalk
CloudWalk is a Brazilian fintech that builds AI-driven financial services platforms for micro and small business owners and individual entrepreneurs, offering payments, credit, and business management through InfinitePay in Brazil and JIM.com in the United States.
- Company typePrivate
- Founded2013
- HeadquartersSão Paulo, Brazil
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
What CloudWalk does
CloudWalk is a Brazilian fintech founded in May 2013 by Luis Silva, headquartered in São Paulo, that builds AI-driven financial services platforms targeting micro and small business owners and individual entrepreneurs. Its core product, InfinitePay, operates as a comprehensive financial ecosystem in Brazil offering payment processing (including first-in-market Tap to Pay on iPhone and Android), digital accounts, cards, credit products (Smart Credit and Pix Credit BNPL), and business management tools across all 5,570 Brazilian municipalities. JIM.com extends the platform to U.S. micro-entrepreneurs across all 50 states, while Pierre provides an AI-powered personal financial management agent built on Open Finance, and Stratus is a proprietary open-source blockchain achieving 1,800 TPS with EVM compatibility. The company reports serving over 7 million monthly active users and over 3 million customers, with 80% of InfinitePay customers using two or more products.
The business model combines transaction-based fees from payment processing, interest income from AI-powered credit and lending products (analyzing 1,200+ parameters for instant decisions), recurring revenue from digital account services, and structured credit facilities (FIDC issuances) that have raised approximately $4 billion cumulatively since 2021 through partnerships with major Brazilian banks including Bradesco BBI, Itaú BBA, and BTG Pactual. Go-to-market is predominantly self-serve product-led growth via mobile apps on iOS and Android, supplemented by AI community-building initiatives (CAIS, Nimbus, CW Academy) and strategic partnerships with Mastercard and Apple.
Underlying the entire platform is what the company describes as Latin America's largest dedicated AI compute cluster, processing over 60 billion tokens daily and supporting deployed agentic AI systems including the JIM autonomous agent, Pierre's multi-agent council, and the Claudio Walker customer service agent that handles 75% of support requests autonomously. Reported financials indicate hyper-growth: annualized revenue run-rate of approximately $1.7 billion as of March 2026 with annualized profit before taxes of $322 million, following 2024 revenue of $497 million (per Forbes) and a September 2025 milestone of $1.2 billion annualized. The company filed SEC registration for a potential U.S. IPO in December 2025 and carries a Fitch AA-(bra) rating with Positive Outlook.
CloudWalk firmographics
Firmographics- Name
- CloudWalk
- Legal name
- CloudWalk, Inc.
- Website
- https://cloudwalk.io
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- CloudWalk is a Brazilian fintech that builds AI-driven financial services platforms for micro and small business owners and individual entrepreneurs, offering payments, credit, and business management through InfinitePay in Brazil and JIM.com in the United States.
- Ownership category
- akta.pro rank
CloudWalk industry classification
Industry- Product category
- Merchant Financial Technology
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (52222), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)
- SIC
- Short-Term Business Credit Institutions (6153), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
- akta.pro secondary industries
- Borrowing/Lending Risk & Credit Infrastructure (on-chain credit scoring, risk engines, insurance wrappers) (FSAPAEAI), Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ)
Keywords
Where CloudWalk is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices4 records
Markets served
CloudWalk business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Payment Processing Services: Transaction fees from payment processing services for merchants, with rates for debit and credit being the same as traditional payment terminals. Supports contactless payments via Tap to Pay technology.
- Credit and Lending: Interest income from AI-powered credit offerings including Smart Credit and Pix Credit (BNPL). System evaluates over 1,200 parameters for instant credit decisions. Merchants receive funds immediately while customers pay in installments.
- Digital Account Services: Revenue from digital account services including cards, instant payments, and financial management tools. Approximately 80% of entrepreneurs use at least two InfinitePay products.
- Structured Credit (FIDC): Credit Rights Investment Fund issuances to finance receivables for InfinitePay merchants, supporting working capital expansion. Company has raised approximately $4 billion through similar structures since 2021.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard payment processing rates |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
CloudWalk product offering
Product offeringCore offering
CloudWalk operates AI-powered financial services platforms for micro and small merchants. Its flagship offering InfinitePay provides payment processing, credit, cards, and business management tools to SMBs in Brazil. JIM.com extends the same AI-driven commerce platform to US micro-entrepreneurs, while Pierre delivers an AI personal financial management agent via Open Finance. The Stratus open-source blockchain provides the underlying transaction infrastructure capable of 1,800 TPS.
Differentiator
Problem solved
Functional benefit
Brands
- InfinitePay: Financial ecosystem with payment solutions, loans, accounts, cards, and business management tools for micro and small businesses in Brazil
- JIM.com
- Pierre
- Stratus
- Nimbus
Products and services
- InfinitePay Financial ecosystem with payment solutions, loans, accounts, cards, and business management tools for micro and small businesses in Brazil. Serves merchants with Tap to Pay, instant payouts, Pix integration, and AI-powered credit.
- JIM.com AI-powered business platform and financial agent for U.S. micro-entrepreneurs, offering payment processing, instant payouts, contactless payments, storefront building, and autonomous AI agent (JIM) handling daily business decisions.
Quantifiable outcome
- Revenue growth of 104% year-over-year in 2024
- +7 more outcomes
Companies that use CloudWalk
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles3 records
CloudWalk technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability12 records
Feature7 records
CloudWalk partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core, minor and flagship.
- SilverguardcorePartnership to protect the financial well-being of seniors. Silverguard provides anti-fraud ranking and social anti-fraud platform (SOS Golpe).
- Alpha Lumen InstitutecoreCo-organizer of Brazilian Technology Olympiad with CloudWalk and MIT, promoting technology education and innovation.
- Plug and PlayminorListed as investor/logo partner on CloudWalk website, part of startup ecosystem acceleration.
- MastercardflagshipStrategic partnership for SoftPOS/Tap to Pay technology. CloudWalk participated in Mastercard's SoftPOS Partner Day in New York. InfinitePay was first Brazilian company to offer Tap to Pay on both iOS and Android.
- AppleflagshipTap to Pay on iPhone partnership enabling InfinitePay merchants to accept contactless payments using only an iPhone. CloudWalk is the only company in Brazil offering this technology.
- MITcorePartnership with MIT and Alpha Lumen Institute for Brazilian Technology Olympiad 2025, supporting AI and technology education.
Scale indicators21 records
Recent moves8 records
Expansion highlights7 records
CloudWalk competitors and assessment
Company assessmentDirect peers
- SumUp: Global SMB payments and banking platform with strong LATAM presence; competes directly with CloudWalk on Tap to Pay, POS, and digital accounts for micro-merchants.
- Block (Square): US-listed SMB payments, banking (Square Banking), and software (Square for Restaurants) provider. The principal US incumbent JIM.com competes against in payments and SMB banking.
- MercadoPago: LATAM fintech arm of Mercado Libre offering payments, credit, POS, and digital accounts to merchants and consumers. Direct competitor across Brazil and increasingly across Latin America for SMB financial services.
- Stone Co. Brazilian payments acquirer serving SMBs with POS, digital banking, and credit offerings. Closest direct peer to InfinitePay in Brazil given product overlap in acquiring, digital accounts, and SMB lending.
- PagSeguro: Brazilian digital payments and fintech platform offering acquiring, digital accounts, and credit to merchants. Direct competitor to CloudWalk in Brazilian SMB payments with comparable product breadth.
- Toast: US SMB POS and payments platform purpose-built for restaurants with growing SMB banking and credit offerings. Closest US peer to JIM.com in vertical-integrated SMB commerce software + payments.
Broad incumbents
- Nubank: Brazil's largest digital bank, increasingly serving SMBs alongside consumers. Broad incumbent competitor to CloudWalk's digital-account and credit offerings in Brazil.
Regional players
- EBANX: Brazilian-founded cross-border payments processor serving global merchants selling into LATAM. Comparable to CloudWalk on payments infrastructure with strong Brazil roots.
- dLocal: LATAM-focused payments processor enabling global merchants to accept local payment methods. Comparable regional payments infrastructure peer with Brazil-heavy exposure.
Emerging players
- Klarna: Global BNPL provider expanding into merchant acquiring and banking. Comparable to CloudWalk's Pix Credit BNPL product and adjacent to its broader SMB fintech stack.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
CloudWalk social profiles
Digital presenceCloudWalk financial estimates
Financial estimateRevenue estimate
Valuation estimate
CloudWalk leadership team
Management profileNumber of profiles
Profiles11 records
CloudWalk subsidiaries and ownership
Company hierarchySubsidiaries4 records
CloudWalk funding detail
Funding detailFunding overview
Funding rounds11 records
Investors21 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CloudWalk M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CloudWalk
What does CloudWalk do?
CloudWalk operates AI-powered financial services platforms for micro and small merchants. Its flagship offering InfinitePay provides payment processing, credit, cards, and business management tools to SMBs in Brazil. JIM.com extends the same AI-driven commerce platform to US micro-entrepreneurs, while Pierre delivers an AI personal financial management agent via Open Finance. The Stratus open-source blockchain provides the underlying transaction infrastructure capable of 1,800 TPS.
Is CloudWalk a public or private company?
CloudWalk is a private company. It is classified as venture growth investor backed and is currently operating.
When was CloudWalk founded?
CloudWalk was founded in 2013. It employs 501 to 1,000 people.
Where is CloudWalk based?
CloudWalk is headquartered in São Paulo, Brazil, in the Latin America region.
How does CloudWalk make money?
Four revenue lines are on record. Payment Processing Services are the primary driver. The others are credit and Lending, digital Account Services and structured Credit (FIDC).
Who are CloudWalk's main competitors?
Direct peers on record are SumUp, Block (Square), MercadoPago, Stone Co., PagSeguro and Toast. Nubank is listed as a broad incumbent. Regional players are EBANX and dLocal. Klarna is listed as an emerging player.
Does CloudWalk have an API?
No public API is recorded for CloudWalk.
What industry is CloudWalk in?
CloudWalk's product category is Merchant Financial Technology. Its primary akta.pro industry code is FSAGAHAL, Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching), with a secondary code of FSAPAEAI, Borrowing/Lending Risk & Credit Infrastructure (on-chain credit scoring, risk engines, insurance wrappers). Its NAICS code is 52232 and its SIC code is 6153.