CloudWalk launches CloudWalk InfinitePay CDB and invites investors to participate in the next generation of the financial system

São Paulo, August 2025 – CloudWalk, the financial technology company behind the InfinitePay and JIM.com brands, has announced the launch of the CloudWalk InfinitePay CDB, a high-yield fixed-income investment product designed to outperform Brazil’s basic interest rate, currently at 15% per year. With terms ranging from 3 to 12 months and full coverage by the Credit Guarantee Fund (FGC), the InfinitePay CDB offers a secure, flexible, and competitive investment alternative. It is already available on major investment platforms including Itaú and XP, and will soon be offered through BTG and directly within the InfinitePay app.

More than a new investment option, the CDB represents an invitation: to directly participate in building a new financial architecture, where artificial intelligence, blockchain, and talent development work together to replace slow, expensive, and concentrated structures.

"The CDB is the entry point for those who want to invest not only in profitability, but in a new logic of financial system — more agile, more intelligent, and more accessible to everyone," says Lucas Martinelli, director of CloudWalk Financeira.

An infrastructure that grows with intelligence

The management of CDBs, like CloudWalk's credit operations, is 100% structured on proprietary technology, with AI models that analyze, grant, adjust, and monitor credit in real-time, without depending on manual processes.

Over the past 12 months, the company tripled its customer base, surpassing 5 million active users on InfinitePay, attracted by a platform that combines the best market rates, operational agility, and products that solve problems — such as Pix with credit, digital account, and support with intensive AI use.

JIM and the path to Self Driving Finance

At the center of this exponential evolution is JIM, InfinitePay's intelligent assistant, which already acts as a true digital employee for millions of customers. It helps entrepreneurs review prices, organize receivables, create marketing campaigns, analyze competition, and generate content — all through fluid and personalized conversation.

With features like automatic document and image recognition, service scheduling, and integration with marketing and design tools, JIM anticipates the concept of Self Driving Finance: a system capable of storing money, granting credit, and settling payments without human interference, with decisions made by intelligent agents in a decentralized infrastructure.

"InfinitePay's credit operation already functions, in practice, like an autonomous institution in an intermediate stage. And JIM is the most visible expression of this. We're giving shape to what, in the past, would depend on hundreds of people and manual processes," explains Martinelli.

Proprietary blockchain to scale transformation

CloudWalk also developed its own blockchain, Stratus, publicly launched at the end of 2024, which ensures not only the best security levels but also provides more transaction agility. With capacity for more than a thousand transactions per second and compatibility with smart contracts via EVM (Ethereum Virtual Machine), Stratus already operates in production and has open source code, allowing integration with partner and global community solutions.

"With AI in control and blockchain as the foundation, we can scale, program, and audit the financial system in a more secure, fast, transparent, and flexible way," says Martinelli.

Investing in the next generation of professionals who will lead the transformation

Building a new financial architecture also requires training the people who will operate and evolve it. That's why CloudWalk has been investing continuously and concretely in education and professional inclusion, focusing on technology.

The main pillar of this strategy is the partnership with Instituto Alpha Lumen, dedicated to training groups of young people in situations of social vulnerability, who receive high-quality technical education, go through an internship cycle at CloudWalk, and have the opportunity for hiring at the end of the program. Over the past two years, more than 60 young people have been hired by the company, and a new edition of the program already has open registrations.

"We believe that the technology we're building only makes sense if it's in the right hands — and that means investing in people. The revolution we seek will occur through collaboration between humans and artificial intelligence," says Martinelli. "A good example of this is that one of the main people responsible for developing the infrastructure behind our CDB is precisely one of these young people who graduated from the program."

Complementing this front, CloudWalk sponsors the Brazilian Technology Olympiad (OBT), held in partnership with Alpha Lumen and supported by MIT Brazil. OBT works at an earlier stage, identifying talents still in the school phase and encouraging projects with social impact in areas such as health, environment, mobility, and inclusion. In 2025, it brought together 540 students from 16 states and awarded winners with an immersion at MIT.

The company also maintains initiatives open to society, such as CW Academy, a free platform with classes on artificial intelligence, automation, and creation of intelligent agents. The content is produced internally by CloudWalk's own engineering, product, and customer service teams, and is already used as a basis for training new technical talents.

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