Fitch Ratings has assigned its first-ever rating to CloudWalk, the technology company behind the financial services platforms InfinitePay in Brazil and JIM.com in the United States. The agency awarded a Long-Term National Rating of ‘AA-(bra)’ with a Positive Outlook to the company’s Brazilian operations.
In its report, Fitch highlighted CloudWalk’s rapid growth, serving more than 5 million entrepreneurs across all Brazilian cities, as well as the strength of its funding strategy. The agency also highlighted the company’s strong revenue and profit growth in recent years, as well as the commencement of its international expansion, marked by the launch of JIM.com in the U.S.
The report stated: “CloudWalk’s business model is aligned with its strategic positioning as a technology company, centered on delivering financial services – including acquiring – with intensive use of technological tools. Among these, AI agents integrated into multiple products, including credit, stand out for their ability to enhance operational efficiency and scalability. This strategy has consistently contributed to the company’s revenue growth.”
“Fitch’s recognition reaffirms the strength of our model, which combines accelerated growth, security, and liquidity. We are building the next generation of financial services, powered by AI agents, to scale with speed and efficiency. At the same time, we continue diversifying our funding sources and strengthening our financial infrastructure to support the next cycle of global expansion,” said Pablo de Mello, COO of CloudWalk.
The Positive Outlook reflects Fitch’s expectation that CloudWalk will maintain its trajectory of rising profitability, consistently outperforming the sector average while advancing its strategy of revenue diversification and capital reinforcement.
Self-Driving Finance
With this milestone, CloudWalk takes another step toward consolidating its long-term vision. With dozens of AI agents already integrated across areas such as customer support, fraud prevention, credit, marketing, and data analysis, the company continues to develop products and services with efficiency levels that translate into steady operational revenue growth.
“This concept defines an autonomous financial system, capable of storing money, extending credit, settling payments, and executing strategic tasks without human intervention. It is this vision of Self-Driving Finance that guides every step at CloudWalk and positions us at the forefront of building the next generation of financial services,” added Luis Slva, CloudWalk founder and CEO.
