CloudWalk payments credit flywheel

The core advantage is that CloudWalk is turning payment flow into a proprietary credit engine. Every card swipe, Pix payment, settlement choice, and repayment behavior gives CloudWalk a tighter read on a merchant’s real cash flow than a bank statement or bureau file. That lets it price loans and receivables advances faster, collect through future payment flows, and recycle the resulting lower loss rates into cheaper terms that help win the next merchant.1 2 3 4 5

• CloudWalk is not just using payments data to market loans, it is wiring credit into the product. InfinitePay says merchants selling more than R$20,000 in a month can get automatic approval inside the app, and CloudWalk had already extended about $350M of credit to more than 400,000 SMBs by June 2025.2 3
• The loop gets stronger as funding gets cheaper. CloudWalk has financed lending and receivables products through more than $1.3B of FIDC debt issuance, then added a Brazil credit institution license in June 2025, which gives it more control over capital sourcing and lowers funding cost, directly supporting better merchant pricing.1 3 4
• This is the same playbook used by Square and Toast, but adapted to Brazil’s micro merchant market. Square says loan offers use processing volume and account history, Toast collects repayment from future card transactions, and Block says Square transaction data improves underwriting and collections. CloudWalk applies that model to millions of smaller merchants who were historically under served.5 6 7 8

The next step is for CloudWalk to make credit feel less like a separate product and more like a native setting inside payments. As more merchants run their full daily money flow through InfinitePay, CloudWalk should be able to approve earlier, advance larger amounts, and bundle credit with pricing and settlement in ways that make the platform harder to displace.1 2 3 4