CloudWalk Sets New Standard in Brazil’s Open Finance with AI-Driven Access for Entrepreneurs

CloudWalk Leads Brazil’s Open Finance Growth with AI-Driven Financial Services for Entrepreneurs

CloudWalk, the company behind the InfinitePay platform, is at the forefront of Brazil’s Open Finance system. Serving over 5 million small and micro merchants, InfinitePay has captured 19.5% of all business data-sharing consents within the system. This marks a 97% increase since May, positioning CloudWalk ahead of major banks and fintechs with larger corporate portfolios.

Open Finance: A New Era for Brazil’s Financial Market

Launched in 2020 by the Brazilian Central Bank, Open Finance extends beyond traditional Open Banking frameworks seen in countries like the U.S. and U.K. It covers banking, investments, insurance, and foreign exchange, with mandatory participation for large institutions. Data sharing is customer-consented and facilitated through national API standards. As of June 2025, there were 91 million active authorizations in the system.

According to Fabrício Costa, CloudWalk’s Financial Services Director, Open Finance shifts control of financial data back to customers. This allows CloudWalk to offer solutions that better match the specific needs of businesses, with faster processes and improved terms, while creating a more level playing field with traditional institutions.

InfinitePay: Using AI to Expand Financial Access

InfinitePay’s success relies heavily on artificial intelligence. The platform uses AI to increase access to credit and reduce transaction fees for Brazil’s small and micro entrepreneurs.

• Smart Credit: This AI-driven feature analyzes over 8,000 data points, including real-time sales and social media sentiment, combined with Open Finance data to create personalized credit scores. It approves working capital offers instantly, 24/7, with flexible repayment options. Over the past year, InfinitePay has more than doubled the credit it has granted.
• Automatic Fee Reduction: Leveraging AI and Open Finance data, InfinitePay dynamically adjusts transaction fees based on factors such as revenue, seasonality, business sector, region, and client history. This feature has saved clients approximately USD 41 million (R$ 222 million) so far, with projections reaching USD 73 million (R$ 396 million) by next year.

CloudWalk’s approach centers on trust and clear value for customers. Costa highlights that offering transparent benefits and ensuring data privacy were key to gaining users' consent for data sharing. The company’s leadership in Open Finance reflects its ability to combine technology, customer focus, and AI to deliver tangible business benefits.

For finance professionals interested in the intersection of AI and financial services, CloudWalk’s model demonstrates how data-driven platforms can increase credit accessibility and optimize costs for small businesses. Exploring AI applications in finance can provide competitive advantages and improve service quality.

To learn more about AI’s role in finance and practical applications, visit Complete AI Training’s AI tools for finance.