It was a remarkable year for CloudWalk, a global fintech responsible forInfinitePayand byJIM.com.The company closed 2024 with R$ 2.7 billion in revenue, a 67% increase compared to the previous year. Even more impressive, CloudWalk tripled its net profit, reaching R$ 339 million — a direct result of the strategic focus on AI and blockchain. With an annualized revenue of R$ 3.4 billion in December, CloudWalk demonstrates how deep AI integration can boost robust growth.
In 2024, approximately 50% of CloudWalk's revenue came from products launched in the last two years. "We have expanded our offering of smart credit, instant payments, and automatic price negotiation. At the same time, we have observed a significant adoption of Tap to Pay, which turns smartphones into payment terminals for free," says Luis Silva, CEO and founder of CloudWalk. The practical result is that the base of entrepreneurs at InfinitePay in Brazil has tripled, reaching 3 million by the end of 2024.
Efficient learning through AI
According to Silva, CloudWalk's growth depends on a robust feedback cycle that directly connects the company's AI models to InfinitePay. "Each transaction provides crucial data back to our AI pipeline — covering agents, credit policy, fraud prevention, and growth strategies," explains Silva. This continuous flow of information creates a self-sustaining cycle: with more use, we see a constant improvement in our AI models, which have an increasingly greater impact. And, thanks to our proprietary technology, the entire process is highly secure and fully automated, allowing clients to access services instantly, 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.
Powering 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 the transactions. Its compatibility with smart contracts enables the seamless execution of advanced financial tasks, while its architecture can handle up to 160 million transactions per day. This powerful infrastructure forms the backbone of CloudWalk's AI ecosystem, fostering continuous improvements and enabling cutting-edge innovations that benefit InfinitePay users and beyond.
Increased revenue 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 about to reach the milestone of US$ 1 million in revenue per employee — a level achieved by few companies worldwide — without resorting to layoffs.
“While we tripled our seller base and net profit, our team only grew by about 20%. We achieved this by empowering employees to co-create with our proto-AGI agents, an embryonic stage of Artificial General Intelligence, the next evolutionary step in AI,” adds Silva.
In 2024, CloudWalk employees created over 40 internal AI agents, covering engineering, marketing, operations, and customer service. "True innovation is not in replacing people, but in empowering them to work alongside AI agents — learning from them and leveraging the best of both worlds," says Silva.
International expansion
The year 2024 also marked CloudWalk's debut in the United States, with the Jim.com pilot, an app designed for micro and small entrepreneurs, which uses AI, Tap to Pay, and instant payments. After a promising pilot, the company plans to expand its presence to other regions of the US 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 US market, while maintaining our mission to offer innovative financial solutions to entrepreneurs and business owners around the world,” concluded Silva.
