It was a remarkable year for CloudWalk, fintech global responsible for theInfinitePayand by theJIM.withThe company ended 2024 with R$ 2,7 billion in revenue, a jump of 67% compared to the previous year. Even more impressive, CloudWalk tripled its net profit, reaching R$ 339 million — 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 drive robust growth
In 2024, approximately 50% of CloudWalk's revenue came from products launched in the last two years. We have expanded our smart credit offering, instant payments and automatic price negotiation. Parallely, we observed a significant adoption of Tap to Pay, that transforms 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, the growth of CloudWalk 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, explain Silva. This continuous flow of information creates a self-sustaining cycle: with more use, we see a constant improvement in our AI models, that have an increasingly 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, the innovative blockchain platform of CloudWalk
Designed to process 1.800 transactions per second and scale indefinitely with advanced technologies, how sharding and multi-raft consensus, Stratus guarantees speed, security and efficiency. She offers a safe environment for sensitive financial operations, allowing only authorized participants to validate transactions. Your compatibility with smart contracts enables the seamless execution of advanced financial tasks, while its architecture accommodates up to 160 million daily transactions. This powerful infrastructure forms the backbone of CloudWalk's AI ecosystem, promoting constant improvements and enabling cutting-edge innovations that benefit InfinitePay users and beyond
Increase in 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 needing to resort to staff cuts
"While we triple our seller base and our net profit", our team grew by only about 20%. We achieve this by empowering employees to co-create with our proto-AGI agents, an embryonic stage of General Artificial Intelligence, next evolutionary stage of AI, adds Silva
In 2024, CloudWalk employees created more than 40 internal AI agents, covering engineering, marketing, operations and customer service. "True innovation is not about replacing people", but in empowering them to work alongside AI agents — learning from them and making the most of each world, affirms Silva
International expansion
The year 2024 also marked the debut of CloudWalk in the United States, with Jim's pilot.with, an app designed for micro and small entrepreneurs, that 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 payment network. After the initial launch, we are ready to accelerate our presence in the American market, maintaining our mission to provide innovative financial solutions to entrepreneurs and business owners around the world, concludes Silva
