CloudWalk's finance AI gets a computer to make purchases. The feature allows the Pierre AI agent to compare prices, plan trips and pay within the user's limits; the CEO says the tool already has 2 million users. Luis Silva, founder and CEO of CloudWalk: a bet on AI agents to make purchases for the user Artificial Intelligence and Technology Editor Published on November 11, 2026 at 3:23 p.m. Last updated on November 11, 2026 at 4:06 p.m. Context 48s CloudWalk presented Pierre Computer, a feature that allows the Pierre AI agent to browse websites, compare prices, plan trips and execute tasks. The commercial page maintains a waiting list. According to CEO Luis Silva, the function is part of the paid plans, starting at R$ 39 per month on monthly billing. By default, purchases require approval, but the customer can enable automatic authorization within limits. Silva says Pierre exceeds 2 million users and 5 million agents created. CloudWalk wants its personal finance assistant to also make the customer's purchases. Owner of InfinitePay, the Brazilian fintech presented Pierre Computer, a feature that gives Pierre, its artificial intelligence agent, its own computer to access online stores, compare prices, plan trips and complete orders with the user's card. "Imagine that we gave a computer to AI. "It browses as if it were a human being," said Luis Silva, founder and CEO of CloudWalk, in an interview with EXAME this Wednesday, 11. The little cat is Pierre's mascot, a black cat. The feature is on a waiting list on the website and is part of the paid plans, which start at R$ 39 per month. Silva's bet is that delegating tasks like these to AI will change the way products are sold over the internet. In his view, agents will come to represent an increasingly larger share of online stores' audience, requiring companies to prepare to serve programs that choose and buy products on the consumer's behalf. "I see it as completely inevitable, a future in which the agentic audience will be thousands of times larger than the human audience," he said. According to him, today about 1% of the platforms' traffic comes from agents, but this share is growing faster and faster, since agents work 24 hours a day, seven days a week. What Pierre Computer does. Pierre began as an assistant that reads the user's bank accounts through Open Finance, the bank data-sharing system regulated by the Central Bank, and organizes expenses, alerts and reports through conversation. Computer extends this work outside the app: the user describes a task, closes the app and the agent works on it, sometimes for hours, until it returns with the result. Silva gave two examples of use. In the first, he asked Pierre to find a history book. The agent found the copy at a used bookstore, registered on the website, put the book in the cart, filled in the card details and the address and had it delivered to his home. In the second, the most common among users, the agent plans entire trips, comparing hotels and tickets, and buys the package after the customer approves the itinerary. On the product page, CloudWalk also shows the agent setting up workouts in the calendar and repeating the purchase of everyday items, such as coffee. Computer connects to services such as Gmail, Google Calendar, Notion and Slack. By default, Pierre asks for approval before completing purchases, payments and reservations. Security, says Silva, comes from the payments structure that CloudWalk built over ten years with InfinitePay. The customer sets limits by category: they can authorize the agent to spend up to R$ 5 thousand on airline tickets, R$ 200 on food orders and R$ 2 thousand on experiences, for example. Pierre's help center states, however, that the customer can enable automatic approval. In that case, the agent pays without new confirmation within the per-purchase limit, as long as the total automatically approved in 24 hours does not exceed three times that cap. Above these amounts, it goes back to asking for authorization. To pay, the agent can use Pierre One, a credit card launched by CloudWalk in August, with 3% back on eligible purchases. To have the card, the customer must invest at least R$ 20 thousand in CloudWalk's CDB, linked to the card. The current Pierre One page reports a yield of 106% of the CDI, the benchmark rate for fixed-income investments; other Pierre CDBs advertise up to 111.11% of the CDI. 2 million users and the dispute for the consumer. Pierre now has more than 2 million users, who have already exchanged more than 80 million messages with the agent. Users have created more than 5 million agents, which gives an average of more than two per person. The number grew quickly. In August, the company reported 1.5 million users and about 280 thousand personalized agents. Pierre was created in July 2025 by entrepreneur Lucas Porto, who named the product after his cat, and was bought by CloudWalk about a month later. The company relaunched the product in March of this year. For Silva, the multiplication of agents per user is the sign that trust is growing. As the customer gets used to it, they stop asking for a book and start delegating documents, conversations and larger amounts of money. "They keep delegating more and more of their lives," he said. The CEO compares the moment to learning to ride a bicycle. Today, he says, the customer uses AI with training wheels, protected by limits and approvals. "I think more and more people are starting to take the training wheels off the bicycle," he said. When Pierre was launched, AI agents with their own face and name were still rare. Silva says the choice was deliberate. "These agents need to have stories, they need to have personality," he said. For the executive, the customer only hands over control of their money to an entity with whom they build a relationship of trust. The next stage is that of agents that work in groups, talk to each other and execute long tasks. In Pierre, each cat can be multiplied into several agents that divide up the same task. And, like agents from other companies, they all now have a computer. "It is one of our values to bring cutting-edge technology to Brazil and to show the whole world that Brazil can produce national technology that is at the same level or ahead of Silicon Valley technologies," said Silva. CloudWalk's bet runs into a dispute between platforms and AI developers: not every store wants to receive agents. In October, Mercado Livre closed its platforms' doors to all kinds of automated access. A month earlier, Amazon blocked Muse, Meta's agent capable of making purchases autonomously. The retailer said it never authorized the use and that access by an unauthorized agent violates its terms of use. Commerce done by agents is still small, but it is growing fast. In the first quarter of 2026, orders originating from AI searches in Shopify stores were almost 13 times higher than a year earlier, according to the e-commerce platform. CloudWalk seems willing to experiment. In a Visa survey of consumers who shop online, 76% of Brazilians said they would use AI agents to make purchases, versus 44% of Americans. The survey measures intention, not actual use. Asked about marketplaces' resistance to agents, Silva responded with the inevitability thesis: for him, agent traffic will become too large to be ignored. "Agents also work inside the company, and that is exactly why we manage to be one of the leaders not only in Brazil, but in the world, in revenue per employee," he said. CloudWalk was billing at an annual pace of about US$ 1.7 billion in March, with pre-tax profit of US$ 322 million at the same pace, according to the company. When disclosing these numbers, the company reported net revenue growth above 100% per year. For Silva, the entire economy is heading to the same place. If he is right, the next dispute among digital banks will not be only for the customer, but for the agent that will spend their money. Frequently asked questions. What is Pierre Computer and is it already available? + How much does Pierre cost? + Can Pierre buy without asking for confirmation each time? +

Top Brazil fintech companies. * Nubank * Creditas * Wise * Cloudwalk * Coda Payments Wise's fintech platform enables users to initiate international money transfers. The platform, available for individual users and businesses, can convert money into over 40 different currencies and deliver it to other users across 160 countries. According to the company, the process takes less than 20 seconds. Wise also enables people to store USD balances in their platform, which features FDIC protection and a high annual percent yield, or APY. Riskified provides e-commerce sites with protection from fraudulent requests. This helps users understand how to identify legitimate shoppers in comparison to fraud. Its pre-authorization services and ATO prevention include tools such as chargeback guarantees, dynamic checkouts and alternative payment processing. Capco is a multinational consultancy that specializes in helping client organizations navigate digital transformation and regulatory complexity. Part of its core focus is serving the financial services industry, and its team members deliver expertise across areas including retail and commercial banking, payments, wealth management, investment platforms and insurance. Airwallex serves more than 150,000 businesses around the world, offering a portfolio of financial solutions that encompasses business accounts, spend management, global payments and platform APIs. It's working to grow its Brazil-based team, hiring in São Paulo across functions like engineering and sales. Creditas is a São Paulo-based fintech company that now also operates in Mexico and Spain. The company provides a bevy of solutions and products for businesses and consumers, including a vehicle marketplace, auto loans, home insurance, integrated financing solutions and more. Creditas was founded in 2012 and employs over 4,500 people. Mastercard aims to innovate payments, providing solutions that support consumers and businesses all over the world. The company has a São Paulo office located in the Torre Crystal and is hiring in Brazil across functions including sales, product management, HR and customer success. Coinbase operates a secure digital currency platform that streamlines buying, selling and managing cryptocurrencies. Its goal is to improve access to crypto assets for individuals and businesses. The company has an international team of employees and is hiring in Brazil to support its operations in Latin America. Enova is a global fintech company that's leveraging its machine learning-powered Colossus platform to improve access to credit, serving more than 13 million customers. In Brazil, the company operates a dedicated local brand called Simplic that facilitates online-only consumer lending. Cloudwalk is developing a new payment platform for businesses using blockchain. Through its InfinitePay platform, which includes point-of-sale hardware and mobile software, businesses can process payments instantly and deposit revenue to their bank accounts. According to Cloudwalk, its payment platform is beneficial for small and medium-sized businesses. It's drawn enough funding from investors to reach unicorn status. TransUnion's credit monitoring solutions alert consumers about changes in their accounts and provide daily credit report updates. The company also has an array of offerings for businesses, and its solutions for the financial services industry, for example, are designed to enable risk management and lending innovation. Coda Payments' tech enables game developers to collect payments by creating marketplaces where players can convert cash to in-game currency. Many publishers use its platform, including Activision Blizzard and Take-Two Interactive, which enables them to accept over 300 payment methods. MarketAxess offers a platform designed to support efficiency for fixed income traders and deliver AI-driven insights. The company serves more than 2,000 institutional investors and broker-dealers. It has a footprint that spans a variety of global markets, with a satellite office location based in São Paulo to support its offerings in Latin America. Adyen makes digital solutions that a variety of business types use to facilitate online and in-person payments, access actionable data insights and streamline financial management. The international fintech company established its Sao Paulo office in 2011 as the first of its operational sites in Latin America. Circle uses blockchain to enable fast, low-cost payments and commerce for businesses and individuals and is known as the co-creator of USDC, a stablecoin pegged to the U.S. dollar that serves as a digital version of cash for global transactions. The company has an office in São Paulo, where it hires for technical roles to support its operations in Brazil and the broader region. Nubank is one of Brazil's top startups. Before going public, it secured capital from Sequoia Capital and Tiger Global, among other investment groups. The online bank grew in popularity by providing consumers with loans, credit cards and free checking and savings accounts. After its initial success, Nubank expanded to provide businesses with similar services and point-of-sale systems.