Closes year with $990 million in revenue (+104% YoY, FX-neutral) and $110 million net income (+90%), as autonomous AI becomes core operating infrastructure

SUNNYVALE, Calif.: CloudWalk, the technology company behind JIM.com in the United States and InfinitePay in Brazil, closed 2025 with $990 million in revenue - a 104% increase year-over-year on a foreign exchange neutral basis - while crossing a $1.3 billion annualized revenue run rate in December and achieving $1.8 million in revenue per employee with a lean team of 720 people. Net income totaled $110 million in 2025, up 90% year over year.

Scale usually comes at the cost of speed. CloudWalk scaled and accelerated.

The defining milestone came in July 2025, when the company crossed $1 billion in annualized revenue - just six years after generating $2 million with the launch of InfinitePay in Brazil in 2019. That trajectory represents a 186% compound annual growth rate.

Autonomous AI as the Operating Model

These results come from a different kind of infrastructure. Powered by proprietary large language models pre-trained on its dedicated GPU cluster, a new generation of autonomous AI agents now independently build software, underwrite credit, prevent fraud, close sales, resolve customer issues, and create marketing campaigns - with humans setting policy, handling exceptions, and governing risk.

“Every fintech says they use AI. We are an AI company that happens to do finance,” said Luis Silva, CEO and founder of CloudWalk. “Our agents do not assist employees - they perform the work. And now, through JIM.com, they perform the work for our customers too. That is how we reached a $1.3 billion run rate with only 720 people.”

US Expansion: JIM.com

JIM.com, the first product built entirely on this autonomous AI model, launched in the United States in early 2025. It solves one urgent problem for micro-merchants and gig workers: instant access to their money. The app turns any smartphone into a payment terminal with immediate settlement and one of the most competitive flat-fee structures in the market.

Adoption accelerated quickly through word of mouth, reaching tens of thousands of merchants across all 50 states within months. But JIM.com is not a payments app. It is the first autonomous financial agent that works for the seller, not the other way around. When a payment declines, the agent diagnoses and resolves it before the seller picks up the phone. When cash flow is at risk, the agent acts before the merchant even knows. When a seller needs a website, the agent builds and publishes it from transaction data alone. “There is no dashboard. No manual. No learning curve. The agent runs the business and the merchant runs their life,” said Silva.

Brazil: Over 6.3 Million Sellers

In Brazil, InfinitePay grew from 3 million to over 6.3 million active sellers in 2025 and became the most downloaded finance app in the Brazilian App Store in December. CloudWalk secured a full credit institution license from the Central Bank, gaining complete autonomy over credit operations and unlocking investment products. Fitch Ratings assigned the company its first rating: AA-(bra) with Positive Outlook.

The Road Ahead

CloudWalk is building Self-Driving Finance - an autonomous financial system where AI agents manage payments, credit, settlement, and strategic decisions with minimal human intervention. With operations in the United States and Brazil, and a model that compounds efficiency as it scales, the company is positioned for its next phase of global expansion.

“Most companies slow down as they grow. We doubled revenue with just 720 people,” said Silva. “The model is proven. Now it scales.”

Fonte: Business Wire