CloudWalk closes 2024 with R$2.7 billion in revenue and triples net profit, driven by AI and blockchain.

It was a significant year for CloudWalk, the global fintech responsible for InfinitePay "e pelo" translates to **"and by"** or **"and through"**. More context is needed to determine the precise meaning. JIM.com CloudWalk ended 2024 with R$2.7 billion in revenue, a 67% jump from the previous year. Even more impressive, the company tripled its net income, reaching R$339 million – a direct result of its strategic focus on AI and blockchain. With an annualized revenue of R$3.4 billion as of December, CloudWalk demonstrates how deep AI integration can fuel robust growth.

In 2024, approximately 50% of CloudWalk's revenue came from products launched in the past two years. “We expanded our intelligent credit offering, instant payments, and automated price negotiation. Simultaneously, we saw significant adoption of Tap to Pay, which transforms smartphones into payment terminals free of charge,” 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. "Each transaction provides crucial data back into our AI pipeline – encompassing agents, credit policy, fraud prevention, and growth strategies," explains Silva. "This continuous flow of information creates a self-feeding cycle: with more usage, we see a constant improvement in our AI models, which in turn have an increasingly larger impact. And, thanks to our proprietary technology, the entire process is highly secure and fully automated, allowing clients instant access to services without barriers. The system not only adapts to each interaction to meet current needs, but also discovers 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 such as 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 compatibility with smart contracts enables seamless execution of advanced financial tasks, while its architecture supports up to 160 million daily transactions. This powerful infrastructure forms the backbone of the CloudWalk AI ecosystem, driving constant improvements and enabling cutting-edge innovations that benefit InfinitePay users and beyond.

Revenue growth and efficiency per employee

The results position CloudWalk among the most efficient global fintechs in terms of revenue per employee. With an annualized revenue of R$3.4 billion and just over 590 employees, the company is poised to reach US$1 million in revenue per employee—a benchmark achieved by few companies worldwide—without resorting to staff cuts.

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," Silva adds.

In 2024, CloudWalk collaborators created over 40 internal AI agents, encompassing 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," states Silva.

International expansion

2024 also saw CloudWalk launch in the United States, with the pilot program for Jim.com, an app designed for micro and small business owners, utilizing AI, Tap to Pay, and instant payments. Following a successful pilot, the company plans to expand its presence to other US regions in early 2025.

"We remain committed to building a global payments network. Following the initial launch, we are prepared to accelerate our presence in the American market, maintaining our mission to provide innovative financial solutions to entrepreneurs and business owners worldwide," Silva concludes.