InfinitePay cashback issued as BRLC

CloudWalk is turning rewards into a balance sheet and network effect tool, not just a marketing expense. Instead of paying card cashback in reals through the banking system, it issues BRLC on its own Stratus ledger, which lets it keep users inside the InfinitePay app, move value almost instantly, and make the reward balance usable for future payments, transfers, or savings products built on the same stack.1 2 3 4

• This fits CloudWalk’s broader playbook in Brazil. InfinitePay won merchants first with cheaper card acceptance and faster settlement, then added accounts, payment links, lending, and yield products. BRLC extends that same fast settlement promise from merchant payouts into consumer rewards.1 2
• Stratus is built for in house speed, not public chain decentralization. CloudWalk says it processes up to 1,800 transactions per second, while the open source Stratus repository describes it as an EVM compatible ledger optimized for performance and limited contract complexity. That makes BRLC closer to internal payments infrastructure than a crypto asset looking for outside liquidity.3 4
• The closest comparables are new stablecoin card stacks from firms like Rain, Reap, and Stripe plus Bridge, where stablecoins sit behind familiar card behavior. The difference is that CloudWalk controls the merchant acquiring app, the consumer account, the rewards currency, and the settlement rail in one product, which gives it tighter economics and more ways to cross sell.2 5 6

The next step is to make BRLC a default wallet balance inside InfinitePay. If cashback, merchant settlement, Pix transfers, and high yield cash management all sit on the same internal ledger, CloudWalk can lower payment costs, speed up product launches, and make its app feel less like a card processor and more like a full financial operating system for Brazilian small businesses.1 2 3