It was a remarkable year for CloudWalk, the global fintech behind InfinitePay and JIM.com. The company ended 2024 with R$2.7 billion in revenue, a 67% jump compared to the previous year. Even more impressive, CloudWalk tripled its net profit, reaching R$339 million — a direct result of its strategic focus on AI and blockchain. With annualized revenue of R$3.4 billion in December, CloudWalk demonstrates how deep AI integration can drive robust growth.
In 2024, approximately 50% of CloudWalk’s revenue came from products launched in the last two years. “We expanded our offerings in smart credit, instant payments, and automated price negotiation. Meanwhile, we saw significant adoption of Tap to Pay, which turns smartphones into free payment terminals,” says Luis Silva, CEO and founder of CloudWalk. “The practical result is that the base of entrepreneurs on InfinitePay in Brazil tripled, reaching 3 million by the end of 2024.”
Efficient learning through AI
According to Silva, CloudWalk’s growth depends on a robust feedback loop that directly connects the company’s AI models to InfinitePay. “Every transaction provides crucial data back to our AI pipeline — covering agents, credit policy, fraud prevention, and growth strategies,” Silva explains. “This constant flow of information creates a self-reinforcing cycle: with more usage, we see continuous improvements in our AI models, which have an ever-greater impact. And thanks to our proprietary technology, the entire process is highly secure and fully automated, allowing customers to access services instantly, without barriers. The system not only adapts to each interaction to meet current needs but also uncovers new product and service opportunities at an accelerated pace.”
Driving this data-driven approach is Stratus, CloudWalk’s innovative blockchain platform.
Designed to process 1,800 transactions per second and scale indefinitely with advanced technologies like sharding and multi-raft consensus, Stratus ensures speed, security, and efficiency. It provides a secure environment for sensitive financial operations, allowing only authorized participants to validate transactions. Its smart contract compatibility enables seamless execution of advanced financial tasks, while its architecture supports up to 160 million daily transactions. This powerful infrastructure forms the backbone of CloudWalk’s AI ecosystem, fostering constant improvements and enabling cutting-edge innovations that benefit InfinitePay users and beyond.
Revenue growth and efficiency per employee
These results position CloudWalk among the most efficient global fintechs in terms of revenue per employee. With annualized revenue of R$3.4 billion and just over 590 employees, the company is on track to reach US$1 million in revenue per employee — a milestone achieved by few companies worldwide — without resorting to layoffs.
“While we tripled our seller base and net profit, our team grew by only about 20%. We achieved this by empowering employees to co-create with our proto-AGI agents, an embryonic stage of General Artificial Intelligence, the next evolutionary step in AI,” adds Silva.
In 2024, CloudWalk employees created over 40 internal AI agents, spanning engineering, marketing, operations, and customer service. “True innovation isn’t about replacing people but empowering them to work alongside AI agents — learning from them and leveraging the best of both worlds,” Silva states.
International expansion
2024 also marked CloudWalk’s debut in the United States, with the pilot of Jim.com, an app designed for micro and small entrepreneurs, using AI, Tap to Pay, and instant payments. After a promising pilot, the company plans to expand its presence to other U.S. regions in early 2025.
“We remain committed to building a global payments network. After the initial launch, we are ready to accelerate our presence in the American market, staying true to our mission of delivering innovative financial solutions to entrepreneurs and business owners worldwide,” concludes Silva.
