“Can a self-operated, AI-native financial infrastructure — owning compute, account, agent, and rail — displace intermediary banks for millions of small merchants across Brazil and the US?”
Founded 2013 as an open payment networking platform, CloudWalk pivoted into merchant financial services in 2019 with InfinitePay, becoming one of Brazil's fastest-growing acquirers. It has since evolved from card acceptance into a full-stack merchant operating system — layering digital accounts, credit (via FIDCs and now its own credit institution license), Pix Credit BNPL, CDB investments, and AI agents (JIM) on top of the payments rail. The 2024 US launch via Jim.com and the 2025 Central Bank credit license mark its shift from PSP to owning the entire stack: 'the compute, the account, the agent, and the rail.'
CloudWalk, Inc. discloses InfinitePay (in-house) and JIM.com (in-house) as its banking providers, according to the Embedded Finance Index 2026.
CloudWalk, Inc. does not disclose a bank charter of its own; its banking services are provided through InfinitePay (in-house) and JIM.com (in-house).
CloudWalk, Inc. processes payments through InfinitePay (self-operated) and JIM.com (self-operated). Disclosed money-movement rails: Pix.
CloudWalk, Inc.'s lending and capital products are provided by CloudWalk / InfinitePay (in-house).
CloudWalk, Inc. connects to bank accounts through Brazil Open Finance (direct participant).
CloudWalk, Inc.'s investing and wealth products are powered by CloudWalk / InfinitePay (in-house).
The Embedded Finance Index 2026 maps 7 layers in CloudWalk, Inc.'s stack: Payments / PSP (InfinitePay (self-operated) and JIM.com (self-operated)); Money movement (Pix); Banking / BaaS (InfinitePay (in-house) and JIM.com (in-house)); Lending (CloudWalk / InfinitePay (in-house), InfinitePay Smart Credit (1,200+ parameters, cash-flow-based repayment), Pix Credit (BNPL), Pix Installments and 1 other); Open banking (Brazil Open Finance (direct participant)); Investing (CloudWalk / InfinitePay (in-house)); Transaction enrichment (CloudWalk proprietary Merchant Vector Space (in-house)).
CloudWalk, Inc. was founded by Luis Silva and is founded in 2013, headquartered in São Paulo, Brazil.
CloudWalk, Inc. has raised $370M+ in total (latest round: Secondary - Private).
Get a read on where your own stack stands against CloudWalk, Inc. 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.