CloudWalk funds SME credit with deposits

This turns CloudWalk from a company that pays for credit with outside capital into one that can fund more of its lending with customer money. A shopper or saver can buy a CloudWalk issued CDB inside the app, CloudWalk can then use that deposit base alongside its credit license to support loans and installment credit to merchants and consumers already using InfinitePay, and the gap between what it pays savers and what it earns on credit becomes a new profit pool on top of payment fees.1 2 3 4 5

• Before deposits, CloudWalk was already funding working capital loans with more than $1.3B of FIDC debt issuance. CDBs add a second funding rail that is native to its own app, which matters because internal deposits are usually stickier than wholesale debt and can scale with merchant adoption.2 5
• The product mechanics are simple. Brazilian households park cash in a fixed income instrument, CDB, that is widely used by retail investors and can be issued by licensed finance companies. CloudWalk now has Central Bank authorization to offer both credit and investment products, and its CDB terms show the issuer is CloudWalk Financeira S.A.3 4 6 7
• This is the same playbook that made digital banks structurally stronger lenders. Nubank describes customer investment balances in Brazil as a financing source for loans and cards. CloudWalk is applying that model inside a merchant ecosystem, where payments data, deposit gathering, and underwriting all sit in one loop.8 2

If CloudWalk keeps growing merchants, payments, and retail balances together, its advantage compounds. More sellers bring more transaction data and more consumer touchpoints, which help gather more deposits, which lower funding costs, which support cheaper credit, which makes the platform harder for stand alone acquirers and lenders to match.1 2 3 8