It was a landmark year for CloudWalk, the global fintech company 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 offering of smart credit, instant payments, and automated price negotiation. Simultaneously, we observed significant adoption of Tap to Pay, which transforms smartphones into payment terminals for free,” 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 to our AI pipeline—covering agents, credit policy, fraud prevention, and growth strategies,” explains Silva. “This continuous flow of information creates a self-reinforcing cycle: with more usage, we see constant improvement 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 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 offers a secure environment for sensitive financial operations, allowing only authorized participants to validate transactions. Its compatibility with smart contracts enables the 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, driving 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 fintech companies in terms of revenue per employee. With 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 having to resort to staff cuts.
“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 more than 40 in-house AI agents, spanning engineering, marketing, operations, and customer service. “True innovation isn’t about replacing people, but about 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 pilot of Jim.com, an app designed for micro and small entrepreneurs that utilizes AI, Tap to Pay, and instant payments. Following 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. Following the initial launch, we are ready to accelerate our presence in the American market, maintaining our mission to offer innovative financial solutions to entrepreneurs and business owners worldwide,” concludes Silva.
