CloudWalk

CloudWalk

SMB-focused payment processing with competitive pricing

Overview

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.

About CloudWalk

Simplify's Rating
Why CloudWalk is rated
A-
Rated A on Competitive Edge
Rated A on Growth Potential
Rated B on Differentiation

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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Simplify's Take

What believers are saying

  • CloudWalk closed 2025 with $990 million revenue and $110 million net profit.
  • InfinitePay reached 6.3 million active customers; JIM.com expanded across all 50 states.
  • May 2026 FIDC Bela raised R$5.5 billion, extending CloudWalk's funding runway.

What critics are saying

  • Brazil's 5% FIDC tax starting 2026 squeezes CloudWalk's receivables-funding economics.
  • Heavy Brazil concentration ties growth to Central Bank rules and card-network settlement disruptions.
  • A credit or fraud shock freezes funding markets and collapses InfinitePay's receivables engine.

What makes CloudWalk unique

  • CloudWalk owns Brazil's credit-institution license, gained June 2025, spanning payments, lending, and investments.
  • Its AI cluster processed 60 billion tokens daily in May 2026.
  • InfinitePay ranked Banco Central's lowest-complaint major institution in April 2026.

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Funding

Total Funding

$3B

Above

Industry Average

Funded Over

9 Rounds

Notable Investors:
Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Debt Funding Comparison
Coming Soon

Benefits

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

1%

2 year growth

1%
Business Wire
May 13th, 2026
Cloudwalk operates Latin America's largest AI cluster, processing 60B tokens daily with $1.7B revenue run-rate

Cloudwalk, the financial technology company behind InfinitePay, Pierre.finance and JIM.com, operates Latin America's largest dedicated AI compute cluster, processing over 60 billion tokens daily in production. The infrastructure serves more than 7 million monthly active users across Brazil and the United States, powering credit decisioning, fraud detection and customer support. The AI-native company reported a $1.7 billion annualised revenue run-rate as of March, with $322 million in annualised profit before taxes. Net revenue is growing over 100% year-over-year. Cloudwalk's proprietary GPU fleet operates above 90% utilisation, providing a structural cost advantage over competitors reliant on third-party providers. The company's AI agents autonomously manage payments, credit and operations across its brands, with customer support agent Cláudio Walker resolving over 90% of requests independently.

CloudWalk
Mar 19th, 2026
CloudWalk named "Consumer Payments Company of the Year" in 2026 FinTech Breakthrough Awards.

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.

Business Wire
Mar 11th, 2026
CloudWalk hits $1.3B annualised revenue run rate with just 720 employees using autonomous AI agents

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
Feb 5th, 2026
CloudWalk Selected for PCI SSC Board, Global Forum for Payment Security

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.

The Paypers
Jan 12th, 2026
CloudWalk secures USD 150 mln

CloudWalk, a payment fintech, has announced a fundraising of USD 150 million.

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