← Embedded Finance Index 2026

CloudWalk, Inc.

“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?”

Founded2013
HQSão Paulo, Brazil
FoundersLuis Silva
Total raised$370M+
Latest roundSecondary - Private
IndustryFintech / SMB banking
The story

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.'

Last 12 months
2026-05
2026-02
2025-10
2025-08
2025-07
2025-06
2025-05
Product timeline
2013
CloudWalk founded in São Paulo by Luis Silva as an open payment networking platform· pivot
2019
Launched InfinitePay, financial services platform for Brazilian merchants· banking
2024
US launch via Jim.com — AI-native merchant app targeting New York, Austin, San Francisco· banking
2024
Raised R$1.6B through four FIDCs led by Itaú BBA to fund receivables anticipation· lending
2024
Launched Pix Credit BNPL solution on InfinitePay· lending
2025
Received credit institution license from Brazil's Central Bank, gaining full autonomy over credit lifecycle· lending
2025
Launched CloudWalk InfinitePay CDB — high-yield fixed-income investment product distributed via Itaú, XP, BTG· banking
2025
Launched Pierre — personal financial intelligence agent using Open Finance· banking
2026
Selected for PCI SSC Brazil Regional Engagement Board 2026-2027 term· acquisition
Regulated entities
2
regulatory licences held by CloudWalk, Inc.
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
Same company
CloudWalk, Inc. was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.
CloudWalk1 layer →
The stack
6 layers disclosed in CloudWalk, Inc.’s embedded-finance stack
Payments / PSP
InfinitePay (self-operated)JIM.com (self-operated)
Money movement
in the full report
Banking / BaaS
in the full report
Lending
in the full report
Open banking
in the full report
Investing
in the full report
Accounting gap: minor
10 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.