InfinitePay Launches In-App CDB with Investment Starting at R$ 1, Genuine 106% CDI Yield, and FGC Protection

SÃO PAULO, December 2025 – InfinitePay, the financial services platform for micro and small entrepreneurs by CloudWalk, launches the InfinitePay CDB within its app, allowing individuals to invest starting from R$ 1, 24 hours a day (including weekends), with a yield of 106% of the CDI and protection from the Credit Guarantee Fund (FGC). CDB is a high-yield fixed-income investment product designed to outperform Brazil’s basic interest rate, currently at 15% per year. 

The feature is already available to the entire base of 6 million entrepreneurs using InfinitePay, as well as to new clients, without any additional conditions or behavioral requirements.

"For years, the asterisks and fine print of CDBs created a false impression of returns for savers. They think they will earn X, but in practice, they receive much less; or the conditions are valid only for new clients; or there are investment caps, and so on. So, we invited our clients to leave 'Asterisk Land'," states Lucas Martinelli, Director of CloudWalk Financeira.

A calculator informs the expected yield within the contracted period based on the CDI rate. "With the InfinitePay CDB, there are no catches. Real gains go to those who produce. InfinitePay already supports entrepreneurs when selling. Now, we also support them in wealth formation and building their future," says Martinelli.

This move reinforces the InfinitePay app as a complete financial services hub, allowing micro and small entrepreneurs to monetize their sales balance with rates superior to the CDI, without bureaucracy. Furthermore, even those who do not use the InfinitePay app for sales can download it for free and create an account to access the CDB. They can also use JIM, an AI assistant offering features such as making payments and Pix transfers, creating content and images for social media, suggesting recipes, creating quizzes, setting up healthy habit routines, and practically everything a modern generative AI model can offer.

The product was developed for those seeking flexibility, security, and good profitability. In August of this year, Fitch Ratings assigned the National Long-Term Rating 'AA-(bra)', with a positive outlook, to CloudWalk, the owner of InfinitePay. The CDB term can be customized by the client, with automatic redemption at the defined deadline and an experience integrated into the InfinitePay app. "The idea is for the act of investing to be as natural for the entrepreneur as receiving or making a Pix transfer is today," affirms Martinelli.

InfinitePay CDB X-Ray

• Democratic: Minimum investment of R$ 1.
• Yield: 106% of the CDI.
• Secure: Coverage by the Credit Guarantee Fund (FGC) and Fitch Ratings 'AA-(bra)' rating with a positive outlook.
• Flexible: The CDB term can be customized by the client, with automatic redemption.
• Fee-free: Exempt from custody fees or DTVM charges.
• Transparent: A calculator informs the expected net yield within the contracted period based on the CDI rate.

The "Network Effect" for CDB Investors

The debut of the CDB in the InfinitePay app marks the expansion of the company's strategy to create a financial system where the success of one entrepreneur strengthens others. The money invested in the CDB directly finances the operation that supports micro and small businesses, a "network effect" mechanism where the investor boosts the entrepreneur, the entrepreneur grows, and returns the value to the investor.

Martinelli explains that this logic was proven in practice during the testing phase with a limited group of clients. A market owner, for example, invested in the CDB through the InfinitePay app. These funds served as funding for a working capital loan that a dental prosthetics company took out the following day. Days later, the prosthetics company used the credit to buy supplies at the very market owned by the entrepreneur who had invested in the CDB.

"The CDB is the entry point for those who want to invest not only for profitability but in a new financial system logic, more agile, smarter, more transparent, and accessible to everyone," states Martinelli. "And one that puts money to work financing the Brazilian entrepreneur, rather than models that historically capture more value than they return to the economy."

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