InfinitePay CDB lowers CloudWalk funding costs

This turns deposits into a competitive weapon, because CloudWalk is no longer funding merchant advances only by packaging receivables for outside investors. InfinitePay now has an in app CDB issued by CloudWalk Financeira, so the same merchant app that brings in payment volume can also gather retail cash. That gives CloudWalk a second funding pool for credit, alongside FIDCs, and tighter control over pricing and supply of capital.1 2 3 4

• The product is not just a generic wallet feature. The CDB is issued by CloudWalk Financeira, sold inside InfinitePay, starts at R$1, offers daily liquidity or fixed term options, and is FGC covered. In practice, merchants can keep operating cash and savings in the same app where they accept card and Pix payments.1 2 3
• That matters because CloudWalk already funds credit through securitization. Prior research shows working capital loans and receivables advances have been financed through more than $1.3B of FIDC debt issuance, and CloudWalk raised R$1.6B across four FIDCs in May 2024 to fund receivables anticipation. Deposits diversify that model instead of replacing it.4 5
• The deeper strategic shift is toward a bank like balance sheet inside a merchant acquiring product. Once a seller uses InfinitePay for checkout, account balance, and savings, CloudWalk can see daily inflows, hold a larger share of the merchant's money, and lend against that activity with less dependence on market windows than a pure nonbank lender.1 4 6

The next step is a tighter closed loop where payment processing, deposit gathering, and credit reinforce each other. As more merchants park cash inside InfinitePay, CloudWalk should be able to fund more lending internally, price advances more aggressively, and look less like a processor that occasionally lends and more like a merchant focused digital bank built on payments data.1 4 6