CloudWalk Gains Credit License from Brazil’s Central Bank

CloudWalk, the fintech powerhouse behind InfinitePay and JIM.com, has been granted authorization by the Central Bank of Brazil to operate as a credit institution. Already functioning as a licensed payment institution, this upgrade significantly broadens CloudWalk’s financial capabilities and affirms its mission to build a borderless, AI-driven financial ecosystem.

This pivotal move sets the stage for CloudWalk to deliver real-time credit approvals, competitive lending terms, and greater financial empowerment for millions of entrepreneurs across Brazil.

Why This License Matters

Expanded Regulatory Scope

• CloudWalk can now function as both a payment and credit institution.
• The company gains legal authority to issue credit and offer investment products.
• Enhanced oversight over the entire credit lifecycle, from capital sourcing to disbursement.

Operational Autonomy and Efficiency

• Elimination of third-party reliance for credit operations.
• Reduced funding costs improve profit margins and borrower conditions.
• Greater control over loan terms, interest rates, and risk assessment protocols.

Benefits for Entrepreneurs

Improved Lending Conditions

• Over 4 million entrepreneurs on the InfinitePay platform to benefit.
• Faster credit approval processes, powered by AI and internal infrastructure.
• More flexible and affordable loan products, tailored to small and medium enterprises.

Broader Credit Access

• More than $350 million in credit already issued to 400,000+ SMBs in two years.
• License enables scale-up of lending operations across all Brazilian states.
• Support for underbanked and rural businesses often excluded from traditional banking systems.

Strategic Advantages for CloudWalk

Diversified Capital and Funding Sources

• Ability to source capital independently, beyond traditional banks.
• More agile and diversified funding strategy.
• Optimized capital allocation for strategic expansion in Brazil and beyond.

Reinforcing FinTech Leadership

• CloudWalk is now a full-stack fintech with payment, credit, and blockchain capabilities.
• Strengthens CloudWalk’s competitive position in Latin America and the United States.
• Lays groundwork for cross-border lending solutions integrated with AI and blockchain tech.

The Bigger Vision

CloudWalk’s authorization is more than a regulatory checkbox—it’s a catalyst for the company’s long-term vision:

• Building a decentralized financial infrastructure using AI and blockchain.
• Democratizing access to capital and payments for entrepreneurs worldwide.
• Pioneering next-gen credit systems that scale efficiently and inclusively.

CloudWalk’s new credit institution status marks a significant leap in Brazil’s fintech landscape. By uniting payment processing, credit issuance, and smart infrastructure under one roof, CloudWalk is redefining the future of financial services—one entrepreneur at a time.

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