SÃO PAULO: CloudWalk, the technology company behind the financial service platforms InfinitePay in Brazil and JIM.com in the United States, has surpassed $1.2 billion in annualized revenue and $128 million in annualized net profit in September 2025. Recognized for its AI-first approach, the company has accelerated its growth, with revenue nearly tripling over the past 18 months, fueled by the rollout of AI-based products and services.

CloudWalk’s rise is exceptional even among the world’s top startups: from $13 million in annualized revenue in 2020 to more than $1 billion in 2025 - a nearly 80x leap in five years. And unlike many hypergrowth stories, this one is built on profit. In the first half of 2025, the company generated $404 million in net revenue and $39 million in net income.

One key highlight is revenue per employee, which jumped from $796,000 in July 2024 to $1.5 million in July 2025, almost doubling in a single year - and increasing 40x in five years, up from $40,000 per employee in 2020. This leap underscores how AI has become the ultimate force multiplier, driving productivity to levels that rank CloudWalk among the most efficient technology companies worldwide.

AI at the Core of the Efficiency Revolution

CloudWalk has embedded artificial intelligence at its core since its early days, applying machine learning to fraud prevention and credit scoring long before Large Language Models (LLMs) became mainstream. Today, dozens of AI agents - built from a combination of market-leading models, open-source frameworks, and proprietary technologies - play central roles across the company’s operations, marketing, sales, and technology teams.

A recent example is Bela, an AI agent dedicated to WhatsApp sales. Launched one year ago, Bela handles the entire sales cycle with responses in under two seconds, available 24/7. Managing over 50,000 conversations per month, Bela delivers the performance equivalent of 200 human sales representatives and has tripled conversion rates through personalized sales and cross-sell journeys. Another example is Claudio Walker, who autonomously resolves more than 90% of InfinitePay customer requests, analyzing history and live data to deliver tailored solutions.

“Tomorrow’s trillion-dollar companies will be those that master both the cost to serve and the cost to build products. With AI, that cost is set to fall dramatically - eventually converging toward the price of electricity - and we are already moving rapidly in that direction,” said Luis Silva, CEO and founder of CloudWalk. “Now, by extending this internal mastery to consumers, CloudWalk is leading the next frontier of AI-driven finance.”

The Consumer AI Leap

CloudWalk’s move into Consumer AI began in early 2025 with the launch of JIM.com in the United States. The standalone app unites three of the most powerful forces in global payments: AI agents, instant payments, and tap-to-pay. Adoption was immediate - within months, JIM.com gained customers across all 50 U.S. states, proving that the company could not only enter the world’s most competitive market but scale rapidly.

Shortly after, CloudWalk introduced JIM inside the InfinitePay platform in Brazil, turning the agent into a digital employee for entrepreneurs. JIM manages finances, controls cash flow, sets prices, runs marketing campaigns, and even generates creative content for social media.

In just nine months, the customer base nearly doubled, from 3 million to almost 6 million - a clear sign that Consumer AI is unlocking entirely new avenues of growth.

The Era of Self-Driving Finance

Crossing the $1 billion annualized revenue milestone cements CloudWalk’s leadership in the transition toward what it calls Self-Driving Finance: an autonomous financial system led by AI agents capable of storing money, granting credit, settling payments, and executing strategic tasks without human intervention - more fairly and inclusively.

“Self-Driving Finance has the potential to spark a transformation as profound as the internet itself - especially for micro and small entrepreneurs,” said Luis Silva. “In recent years, through the consistent use of AI, we’ve helped democratize access to some of the world’s most innovative financial technologies. The exponential growth of our customer base and the rapid expansion across all U.S. states prove that we are on the right track.”

Fonte: Business Wire