CloudWalk Leads Brazil’s Open Finance Revolution, Empowering Entrepreneurs with AI-Driven Solutions
CloudWalk, one of the fastest-growing global financial technology companies, is making waves in Brazil’s Open Finance ecosystem. Through its flagship financial services platform, InfinitePay, CloudWalk has captured an impressive 19.5% of all business data-sharing consents within Brazil’s Open Finance system—a staggering 97% growth since May 2025. This achievement places CloudWalk ahead of major banks and fintechs with significantly larger corporate portfolios, solidifying its position as a leader in the country’s rapidly evolving financial landscape.
Launched by the Brazilian Central Bank in 2020, Brazil’s Open Finance initiative stands out as one of the world’s most ambitious data-sharing frameworks. Unlike Open Banking systems in the U.S. and U.K., which primarily focus on banking transactions, Brazil’s Open Finance spans multiple sectors, including banking, investments, insurance, and foreign exchange. Participation is mandatory for large financial institutions, and customer-consented data is exchanged through standardized national APIs. As of June 2025, the system boasted 91 million active authorizations, reflecting widespread adoption and growing trust among users.
For CloudWalk, this milestone is not just a testament to its technological prowess but also a reflection of its commitment to empowering small and micro entrepreneurs. “Open Finance represents a structural shift in Brazil’s financial market,” says Fabrício Costa, CloudWalk’s Financial Services Director. “It gives customers back control of their own data, enabling us to offer solutions more aligned with each business’s reality—with greater speed and better terms—while leveling the playing field with traditional institutions.”
InfinitePay: Revolutionizing Financial Access with AI
At the heart of CloudWalk’s success lies InfinitePay, a financial services platform serving over 5 million small and micro merchants across Brazil. By leveraging artificial intelligence (AI), InfinitePay has redefined how entrepreneurs access credit, reduce transaction fees, and manage their finances. The platform’s innovative use of Open Finance data has been instrumental in driving its rapid growth and market leadership.
One of the key factors behind InfinitePay’s success is its focus on delivering tangible benefits to customers while ensuring robust data security and privacy. “By listening to our customers, we identified two critical factors for gaining their Open Finance data: offering clear advantages and proving we can safeguard their information,” Costa explains. “We built our strategy around these principles—and the results speak for themselves.”
A standout innovation is Smart Credit, an AI-powered lending solution launched two years ago. Smart Credit processes over 8,000 data points—from real-time sales volumes and cash flow patterns to social media sentiment analysis—combined with Open Finance data to create a unique credit score for each merchant. This sophisticated approach allows InfinitePay to provide working capital offers that are approved in seconds, available 24/7, with instant deposits and flexible repayment terms tailored to individual needs. In the past year alone, InfinitePay has more than doubled the amount of credit extended to its clients, empowering entrepreneurs to grow their businesses.
Another groundbreaking feature is automatic fee reduction, which uses AI and Open Finance data to dynamically adjust transaction fees based on factors such as revenue, seasonality, business segment, region, and a client’s history with other financial institutions. Since its introduction, this feature has saved clients USD 41 million (R$ 222 million) in transaction costs, with projected savings reaching USD 73 million (R$ 396 million) by next year. For small and micro entrepreneurs operating on tight margins, these savings can make a significant difference in sustaining and scaling their operations.
Building Trust Through Innovation
CloudWalk’s leadership in Brazil’s Open Finance rankings underscores both customer trust and the company’s ability to translate cutting-edge technology into meaningful business impact. “Open Finance is a cornerstone of our strategy to expand access to high-quality financial services in Brazil,” Costa emphasizes. “Our leadership confirms that we are delivering real value—combining AI, customer focus, and technology to build sustainable growth and competitive advantage.”
The company’s success also highlights the transformative potential of Open Finance when paired with advanced technologies like AI. By enabling seamless data sharing and fostering collaboration between financial institutions, Open Finance creates opportunities for innovation that benefit businesses and consumers alike. For small and micro entrepreneurs, who often face barriers to accessing affordable credit and financial tools, platforms like InfinitePay are game-changers.
A Model for Global Adoption
As Brazil’s Open Finance initiative continues to gain traction, CloudWalk’s achievements serve as a model for other countries exploring similar frameworks. The combination of AI-driven insights, customer-centric design, and robust data security demonstrates how technology can be harnessed to democratize financial access and drive economic inclusion.
