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CloudWalk builds fintech solutions for the Brazilian market, focusing on making payments cheaper and fairer for small and medium businesses. It offers payment processing services through a disruptive model that aims to lower costs for merchants, helping them compete against banks and traditional acquirers. Its product InfinitePay is presented as a future-facing payment solution, with CloudWalk describing it as the first self-driving banking level 5, though details are not provided. The company uses technologies like artificial intelligence and blockchain to power its services and emphasizes a customer-centric approach, treating customers as active participants in shaping products and pricing. Overall, CloudWalk’s goal is to widen access to affordable payment processing and redefine the acquiring landscape in Brazil by charging competitive prices and enabling merchants to increase their purchasing power.
Industries
Data & Analytics
Fintech
AI & Machine Learning
Financial Services
Company Size
501-1,000
Company Stage
Debt Financing
Total Funding
$3B
Headquarters
São Paulo, Brazil
Founded
2013
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Total Funding
$3B
Above
Industry Average
Funded Over
9 Rounds
CloudWalk named "Consumer Payments Company of the Year" in 2026 FinTech Breakthrough Awards. Technology company behind InfinitePay in Brazil and JIM.com in the United States is recognized by global awards program as it combines rapid growth with an AI-first operating model CloudWalk, the technology company behind InfinitePay in Brazil and JIM.com in the United States, has been named "Consumer Payments Company of the Year" in the 2026 FinTech Breakthrough Awards, a global program that recognizes innovation across the financial technology industry. Now in its 10th edition, the awards evaluated thousands of nominations worldwide. The recognition comes as CloudWalk reports a new phase of accelerated growth, closing 2025 with $990 million in revenue - up 104% year-over-year on a FX-neutral basis - and $110 million in net income, a 90% increase compared to the previous year. In December, the company surpassed a $1.3 billion annualized revenue run rate while operating with a team of 720 employees. The results reflect CloudWalk's strategy of building AI-driven financial infrastructure designed to expand access and capabilities for micro and small businesses at scale. At the core of this approach is JIM.com, CloudWalk's AI-powered business assistant and payments platform in the United States. Built on an autonomous AI model, JIM.com enables merchants to accept instant payments while accessing real-time insights to support pricing, inventory management, marketing, and operational decisions. CloudWalk's operating model is based on proprietary large language models and a dedicated GPU infrastructure, supporting autonomous AI agents that execute core functions such as customer service, fraud prevention, credit underwriting, sales, and marketing. This architecture has enabled the company to scale efficiently, reaching approximately $1.8 million in revenue per employee. The company's international expansion has also accelerated. Launched in early 2025, JIM.com reached tens of thousands of merchants across all 50 U.S. states within months, offering instant settlement and a simplified payment experience tailored to micro-entrepreneurs and gig workers. In Brazil, InfinitePay surpassed 6.3 million active customers in 2025 and became the most downloaded finance app in the Brazilian App Store in December. During the year, CloudWalk also obtained a full credit institution license from the Brazilian Central Bank, expanding its autonomy in credit operations, and received its first credit rating from Fitch Ratings (AA-(bra), with Positive Outlook). The FinTech Breakthrough recognition underscores CloudWalk's broader strategy of redefining payments as part of a more autonomous financial system. The company refers to this model as "self-driving finance," in which AI agents manage payments, credit, and financial decisions with minimal human intervention. It signals the conviction that the companies shaping the future of finance are those who treat payments not as an endpoint, but as a gateway to deeper insights, stronger businesses, and a more inclusive financial system.
CloudWalk, the company behind JIM.com in the US and InfinitePay in Brazil, reported $990 million in revenue for 2025, up 104% year-over-year on a foreign exchange neutral basis. The company crossed a $1.3 billion annualised revenue run rate in December whilst achieving $1.8 million in revenue per employee with just 720 staff members. Net income totalled $110 million, up 90% year-over-year. The company reached $1 billion in annualised revenue in July 2025, just six years after launching InfinitePay with $2 million in revenue in 2019, representing a 186% compound annual growth rate. CloudWalk attributes its efficiency to autonomous AI agents that independently build software, underwrite credit and handle customer operations. InfinitePay now serves over 6.3 million active sellers in Brazil, whilst JIM.com has expanded across all 50 US states.
CloudWalk selected for PCI SSC board, global forum for payment security. Tech company has been selected as one of the 34 Brazilian companies to join the regional advisory board of the PCI SSC (PCI Security Standards Council), the global forum for payment security, for the 2026 - 2027 term São Paulo, February 2026 - CloudWalk, the technology company behind the financial services platforms InfinitePay in Brazil and JIM.com in the United States, has been selected as one of the 34 Brazilian companies to join the regional advisory board of the PCI SSC (PCI Security Standards Council), the global forum for payment security, for the 2026 - 2027 term. Members of the PCI SSC Brazil Regional Engagement Board act as advisors on issues and challenges related to payment security in the region, as well as ambassadors who foster education and awareness of standards and best practices for the protection of payment data. CloudWalk has been a member of the regional board since 2022 and in all subsequent years. "Being part of the PCI SSC Brazil Regional Engagement Board reinforces CloudWalk's commitment to the highest standards of compliance, governance, and data protection, while also allowing us to actively contribute to the evolution of security best practices in Brazil and globally," says Aline Lima, Chief of Compliance at CloudWalk. The companies that make up the Brazil Regional Advisory Board for 2026 - 2027 represent leaders from all segments of the payments industry in Brazil - including vendors, merchants, processors, service providers, banks, and industry associations. The Board will meet regularly throughout the term to discuss topics related to payment data security, as well as market trends and changes. "The Brazil Regional Advisory Board is a key PCI SSC initiative, as it enables stakeholders to join forces and collaborate on payment security, providing a unique and comprehensive representation of the region," said Guilherme Scheibe, PCI SSC Regional Director for Brazil and Latin America. The main priorities for 2026 - 2027 focus on strengthening the payment security ecosystem in the region. This includes continued support for the adoption of PCI security standards, requirements, and processes, combined with the collection of relevant feedback from local organizations. Encouraging collaboration is also essential, promoting the growth of Participating Organizations in Brazil and across the region through active engagement and increased participation in PCI SSC initiatives, such as annual Community Meetings and training programs. Finally, a strategic understanding of the market is highlighted, with the identification of regional trends, emerging payment security initiatives, and new technologies, ensuring that PCI SSC effectively supports the region's specific challenges. "Brazil's growing role in the global payments ecosystem highlights the importance of regional collaboration," says Gina Gobeyn, Executive Director of PCI SSC. "By expanding market engagement, we gain greater visibility into payment innovation, data protection, and security challenges, enabling the development of standards and resources that strengthen payment security worldwide," she concludes.
CloudWalk, a payment fintech, has announced a fundraising of USD 150 million.
CloudWalk surpasses $1.2 billion in annualized revenue as AI drives profitable hypergrowth. CloudWalk, the technology company behind the financial service platforms InfinitePay in Brazil and JIM.com in the United States, has surpassed $1.2 billion in annualized revenue and $128 million in annualized net profit in September 2025. Recognized for its AI-first approach, the company has accelerated its growth, with revenue nearly tripling over the past 18 months, fueled by the rollout of AI-based products and services. This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20251021220043/en/ Home of the apps InfinitePay and JIM.com CloudWalk's rise is exceptional even among the world's top startups: from $13 million in annualized revenue in 2020 to more than $1 billion in 2025 - a nearly 80x leap in five years. And unlike many hypergrowth stories, this one is built on profit. In the first half of 2025, the company generated $404 million in net revenue and $39 million in net income. One key highlight is revenue per employee, which jumped from $796,000 in July 2024 to $1.5 million in July 2025, almost doubling in a single year - and increasing 40x in five years, up from $40,000 per employee in 2020. This leap underscores how AI has become the ultimate force multiplier, driving productivity to levels that rank CloudWalk among the most efficient technology companies worldwide. CloudWalk has embedded artificial intelligence at its core since its early days, applying machine learning to fraud prevention and credit scoring long before Large Language Models (LLMs) became mainstream. Today, dozens of AI agents - built from a combination of market-leading models, open-source frameworks, and proprietary technologies - play central roles across the company's operations, marketing, sales, and technology teams. A recent example is Bela, an AI agent dedicated to WhatsApp sales. Launched one year ago, Bela handles the entire sales cycle with responses in under two seconds, available 24/7. Managing over 50,000 conversations per month, Bela delivers the performance equivalent of 200 human sales representatives and has tripled conversion rates through personalized sales and cross-sell journeys. Another example is Claudio Walker, who autonomously resolves more than 90% of InfinitePay customer requests, analyzing history and live data to deliver tailored solutions. "Tomorrow's trillion-dollar companies will be those that master both the cost to serve and the cost to build products. With AI, that cost is set to fall dramatically - eventually converging toward the price of electricity - and we are already moving rapidly in that direction," said Luis Silva, CEO and founder of CloudWalk. "Now, by extending this internal mastery to consumers, CloudWalk is leading the next frontier of AI-driven finance." CloudWalk's move into Consumer AI began in early 2025 with the launch of JIM.com in the United States. The standalone app unites three of the most powerful forces in global payments: AI agents, instant payments, and tap-to-pay. Adoption was immediate - within months, JIM.com gained customers across all 50 U.S. states, proving that the company could not only enter the world's most competitive market but scale rapidly. Shortly after, CloudWalk introduced JIM inside the InfinitePay platform in Brazil, turning the agent into a digital employee for entrepreneurs. JIM manages finances, controls cash flow, sets prices, runs marketing campaigns, and even generates creative content for social media. In just nine months, the customer base nearly doubled, from 3 million to almost 6 million - a clear sign that Consumer AI is unlocking entirely new avenues of growth. Crossing the $1 billion annualized revenue milestone cements CloudWalk's leadership in the transition toward what it calls Self-Driving Finance: an autonomous financial system led by AI agents capable of storing money, granting credit, settling payments, and executing strategic tasks without human intervention - more fairly and inclusively. "Self-Driving Finance has the potential to spark a transformation as profound as the internet itself - especially for micro and small entrepreneurs," said Luis Silva. "In recent years, through the consistent use of AI, we've helped democratize access to some of the world's most innovative financial technologies. The exponential growth of our customer base and the rapid expansion across all U.S. states prove that we are on the right track." View source version on businesswire.com:https://www.businesswire.com/news/home/20251021220043/en/
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Industries
Data & Analytics
Fintech
AI & Machine Learning
Financial Services
Company Size
501-1,000
Company Stage
Debt Financing
Total Funding
$3B
Headquarters
São Paulo, Brazil
Founded
2013
Find jobs on Simplify and start your career today