Six Years to $1.2 Billion: The AI Revolution Behind CloudWalk’s Rise
Luis Silva, CEO and founder, shares how CloudWalk engineered its billion-dollar rise by embedding AI at its core, transforming finance into intelligence that scales
Six years. That’s all it took for CloudWalk, since launching InfinitePay in 2019, to grow 600×, from $2 million to over $1.2 billion in annualized revenue, with $128 million in net income as of September 2025.
Our path to one billion didn’t follow the playbook, we shattered it. We outpaced some of the greatest financial technology companies on Earth. And we did it while generating profit. A lot of it.
This isn’t luck. It’s engineering meets obsession, the result of embedding AI at our core since day one, long before large language models became the world’s buzzword. Our story began with pivots, grit, and a relentless focus on our customers, listening to them as if they were our lifeline. That focus led to breakthrough after breakthrough, replacing wasted effort with AI that turns feedback into instant action.
CloudWalk stands at that frontier, transforming finance into intelligence that scales. We’re guided by our customers, the true heroes who turn ambition into action every day. To our team: thank you for transforming challenges into intelligent systems that simplify, empower, and elevate daily life.
Our AI agents are the heartbeat of CloudWalk. Take Bela, our sales powerhouse. She handles 50,000 conversations every month, tripling conversion rates with 24/7 availability. That’s the output of a 200-person team, managed by one digital mind.
Then there’s Claudio Walker, who autonomously resolves 90% of customer queries, analyzing historical and real-time data to respond in seconds. These agents, part of a growing network of dozens, empower our 700 humans to do what only humans can: create meaning.
Revenue per employee? $1.7 million. That’s double what it was 12 months ago. Efficiency like this isn’t just a metric. It’s proof that we’re operating on a new wavelength.
Then came JIM, our leap into consumer AI. What we’d mastered internally, we unleashed on the world. More than an app, JIM is an extra employee in your pocket, managing cash flow, optimizing pricing, and creating social media content on the fly. In just nine months, JIM helped us double our customer base from 3 million to 6 million, bringing JIM.com to all 50 U.S. states and consolidating InfinitePay’s reach across every Brazilian city.
Tomorrow’s trillion-dollar companies will be those that master both the cost to serve and the cost to build. With AI, those costs are set to fall dramatically, eventually converging toward the price of electricity. Mastering the cost to serve and build is the key to Self-Driving Finance, a world where AI agents manage payments, credit, and capital autonomously, creating a fairer and faster financial network.
