CloudWalk Dominates Brazil’s Open Finance, Empowering Entrepreneurs with AI-Driven Financial Access
CloudWalk’s Open Finance leadership through its InfinitePay platform positions it as the leading force in Brazil’s financial data-sharing economy. As of mid-2025, CloudWalk commands 19.5% of all business account data-sharing consents, a 97% surge since May outpacing major banks and fintechs with larger corporate footprints.
Open Finance Redefined by AI and Small Business Impact
Launched by Brazil’s Central Bank in 2020, Open Finance is more expansive than typical open banking systems it unifies data across banking, insurance, investments, and foreign exchange via standardized APIs. As of June 2025, it supports 91 million active authorizations nationally.
CloudWalk’s strategic strength lies in InfinitePay, its AI-backed platform serving over 5 million small and micro merchants. This platform drives two transformative features:
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Smart Credit taps into AI to evaluate over 8,000 data points—from real-time sales to social media sentiment and Open Finance data—to generate personalized credit scores in seconds. It offers 24/7 working capital, instant deposit, and flexible repayment. In just the past year, credit disbursements have more than doubled.
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Automatic Fee Reduction uses AI to dynamically adjust transaction costs based on revenue trends, seasonal demand, business sector, regional data, and client history with other institutions. To date, clients have realized savings of USD 41 million (R$ 222 million), projected to reach USD 73 million (R$ 396 million) by next year.
Trust and Tangible Value at the Core
Fabrício Costa, CloudWalk’s Financial Services Director, emphasizes how customer-centric innovation and data security drove adoption:
“Open Finance is about structural transformation—empowering customers with data control, enabling faster, fairer solutions while leveling the playing field with traditional institutions.”
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