“Can an AI-native financial infrastructure company own the entire transaction, credit, and intelligence layer for SMB merchants — displacing banks and payment intermediaries — by running proprietary compute, rails, and agents at scale?”
Founded in 2013 as a POS terminal and payment network platform for Brazilian merchants, CloudWalk evolved by 2019 into InfinitePay — a full financial operating system for micro and small businesses. By 2024 it had layered AI-native credit underwriting, fraud detection, and an agentic merchant interface (JIM) on top of its proprietary Stratus blockchain settlement rail, becoming one of Brazil's most efficient fintechs by revenue per employee. The company then expanded internationally via JIM.com in the US and launched Pierre for Brazilian consumers, shifting its identity from 'payments company' to 'AI-native financial intelligence system.'
CloudWalk processes payments through InfinitePay (self-operated). Disclosed money-movement rails: Pix.
CloudWalk's cards run on Mastercard.
The Embedded Finance Index 2026 maps 4 layers in CloudWalk's stack: Payments / PSP (InfinitePay (self-operated)); Money movement (Pix); Card network (Mastercard); Lending (Receivables anticipation (antecipação de recebíveis), Pix Credit (BNPL / installment purchases via Pix), Smart Credit (AI-powered working capital credit for SMEs) and InfinitePay merchant credit).
CloudWalk was founded by Luis Silva and is founded in 2013, headquartered in São Paulo, Brazil.
CloudWalk has raised undisclosed (14+ funding rounds, VC-backed) in total (latest round: Secondary - Private (2025); valuation: unicorn (valuation undisclosed)).
Get a read on where your own stack stands against CloudWalk and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.