CloudWalk
“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.'