CloudWalk Expands Credit Capabilities with New License from Brazil’s Central Bank

The global fintech behind InfinitePay and JIM.com gains full autonomy over its credit operation and prepares to offer investment products to over 4 million entrepreneurs

SÃO PAULO--(BUSINESS WIRE)--CloudWalk, a global financial technology company behind InfinitePay and JIM.com, has received authorization from the Central Bank of Brazil to operate as a credit institution. Already licensed as a payment institution, CloudWalk now significantly expands its regulatory scope to include credit issuance and investment offerings, reinforcing its strategy to deliver more complete and competitive financial services.

This step grants CloudWalk greater autonomy over the entire credit lifecycle, from capital sourcing to disbursement. It also reduces funding costs and enhances efficiency, enabling improved conditions for the more than 4 million entrepreneurs served by InfinitePay across Brazil.

“This new credit license is a major milestone in our long-term plan to build a more autonomous and scalable financial ecosystem,” said Lucas Martinelli, Director at CloudWalk and newly appointed General Manager of the company’s credit entity. “It allows us to deliver real-time approvals and even more competitive lending terms to entrepreneurs across the country.”

With this structure, CloudWalk will also be able to diversify its funding sources and optimize its capital allocation. In the past two years, the company has already provided more than $350 million in credit to over 400,000 micro, small, and medium-sized businesses across all Brazilian states.

CloudWalk is building a borderless financial ecosystem that merges AI, blockchain, and cutting-edge infrastructure to empower entrepreneurs globally. With operations in Latin America and the United States, the company is committed to redefining the future of payments, credit, and financial inclusion.