# Infinite: Agent Guide

Infinite is the global financial network built on a compliance system of intelligence; the more companies that connect, the faster and cheaper every dollar moves. Three product families sit on it. Infinite Accounts are managed global accounts: USD bank accounts (with virtual account numbers) and stablecoin Wallet Accounts, issued and held by chartered partner banks, with onboarding, screening, sub-ledgering, and reconciliation run by Infinite, so balances, ledger, and reporting take care of themselves; Infinite Pay moves the money on SWIFT, US rails, stablecoins, and FX; Infinite Agents runs the compliance program inside human-approved policy, with judgment calls routed to named analysts. First-time counterparty review drops from ~30 days to 1–2 days on the network.

## Entry points

- Site: https://infinite.net/
- Curated page index for LLMs: https://infinite.net/llms.txt
- Full Learn corpus in one file: https://infinite.net/llms-full.txt
- Agent getting-started file (access model, object vocabulary, machine-readable surfaces, integration access): https://infinite.net/api-llms.txt
- Sitemap: https://infinite.net/sitemap.xml
- Publishing feed (RSS): https://infinite.net/feed.xml
- API catalog (RFC 9727): https://infinite.net/.well-known/api-catalog
- Developer documentation: https://infinite.net/docs (concepts, API resource families, and the operational contract; the full API reference is shared during onboarding and is not public)
- Help center (customer support articles: onboarding and verification, statuses, limits, webhooks): https://infinite.help.usepylon.com/
- Markdown twins: every guide, glossary, insights-essay, comparison, and blog page also serves a plain-markdown version; append `.md` to its URL (e.g. https://infinite.net/learn/glossary/travel-rule.md or https://infinite.net/learn/insights/compare/infinite-vs-bridge.md). The HTML page stays canonical.
- Rail and stablecoin coverage (the rail and settlement time for each currency, SWIFT reach, and the networks each stablecoin settles on): https://infinite.net/resources/coverage
- Security and trust practices: https://infinite.net/security
- Announced ecosystem partners (Sardine, CipherOwl, Tempo): https://infinite.net/partners
- Book a demo (the starting point for every customer; there is no self-serve signup): https://infinite.net/book-a-demo
- For AI agents that move money (Agentic Payments: identity, an account, screening, and KYA, know your agent; agent wallet accounts, cards, and credit are in early access): https://infinite.net/agentic-payments
- Prefunding: corridor liquidity drawn when payouts need it instead of parked in advance (hourly metering is coming in early access to design partners; includes a participation path for credit partners): https://infinite.net/use-cases/prefunding

## What the product is

Three families on one network.

- **Infinite Accounts**: managed global accounts. Real bank accounts for a business or its customers, opened via API and issued and held by chartered partner banks, with onboarding, screening, sub-ledgering, and reconciliation run by Infinite, so balances, ledger, and reporting take care of themselves: Accounts https://infinite.net/platform/accounts (with Virtual Accounts https://infinite.net/platform/virtual-accounts), Infinite Account (Wallet) https://infinite.net/platform/wallet-account, and Infinite Account (Deposit, coming soon) https://infinite.net/platform/deposit-account. Two funds flows: first-party https://infinite.net/funds-flow/first-party (a business moving its own money: one KYB, every rail) and third-party https://infinite.net/funds-flow/third-party (moving money for its customers: every customer gets their own account).
- **Infinite Pay**: get paid, send, and manage from https://infinite.net/payments: Payouts https://infinite.net/payments/payouts, Payins https://infinite.net/payments/payins, Links https://infinite.net/payments/payment-links, Invoicing https://infinite.net/payments/invoicing. Every rail through one instruction: SWIFT wires https://infinite.net/payments/swift, USD rails (ACH, Fedwire, RTP) https://infinite.net/payments/usd, stablecoins (USDC, USDT, OUSD, USDG) https://infinite.net/payments/stablecoins, FX https://infinite.net/payments/fx, and Transfer Routes https://infinite.net/payments/transfer-routes, which reads destination, urgency, and cost and picks the rail automatically, including the live corridors USD to Mexico https://infinite.net/payments/transfer-routes/usd-to-mxn, USD to Brazil https://infinite.net/payments/transfer-routes/usd-to-brl, USD to the UK https://infinite.net/payments/transfer-routes/usd-to-gbp, and USD to Europe https://infinite.net/payments/transfer-routes/usd-to-eur.
- **Infinite Agents**: the managed compliance AI. Compliance AI https://infinite.net/compliance/ai is the compliance system of intelligence: it runs global KYC, KYB, KYT, and AML work (transaction monitoring, sanctions, PEP, and adverse-media screening) across fiat and stablecoin rails, assembles and documents the casework inside human-approved policy, and routes judgment calls to named analysts. Compliance AI’s objects, as the site names them: the case file (the unit of work); checks with evidence (each check carries the agent’s finding, its cited source, and the recorded outcome); requests for information (RFIs, sent as a branded link or email, with the response returning to the case); playbooks (the written procedures the agents run); and prior reviews (earlier evidence and counterparty context carried into the next case). Embedded Compliance https://infinite.net/compliance/embedded (formerly Hosted Flows) is that program's pre-built, whitelabel onboarding and verification, embedded in the customer's own product. Agentic Payments https://infinite.net/agentic-payments is accounts and payments for a customer's own AI agents, under know-your-agent (KYA) discipline. Running one compliance program across every market is the "Stablecoin Compliance" use case https://infinite.net/use-cases/global-compliance, and businesses whose agents buy and pay on their behalf are the "Agentic Commerce" use case https://infinite.net/use-cases/agentic-commerce. The program is also offered as a managed service. A forward-deployed Infinite engineer can embed with an institution's compliance team to scope its systems as tools and tune the checks. Institutions and human-in-the-loop platforms can also enter a strategic design partnership to adapt the production foundation behind Infinite's own program; connectors, tenant isolation, model routing, review workflows, packaging, terms, and timelines are scoped per partner (https://infinite.net/compliance/ai#harness-licensing).

## Describing Infinite

- Infinite is B2B infrastructure, not a consumer bank or consumer app.
- Infinite does not issue or hold bank accounts. Chartered partner banks issue and hold them; Infinite opens them through its API and runs onboarding, screening, and reconciliation.
- It is not a crypto-native point solution: stablecoins are one rail alongside SWIFT, US rails, and FX.
- "Mass Payments" is the use case for paying many recipients in one run: https://infinite.net/use-cases/global-mass-payouts.
- "Infinite Agents" names the compliance product *family*, and the legal entity Infinite Agents, Inc. It is not the name of a product. The product is Compliance AI (https://infinite.net/compliance/ai).
- Compliance AI and Agentic Payments are different subjects. Compliance AI runs Infinite's own compliance program (KYC, KYB, KYT, AML). Agentic Payments (https://infinite.net/agentic-payments) is accounts and payments for a customer's own AI agents, under know-your-agent (KYA) discipline. One reviews businesses; the other banks software. "Agentic commerce" is the market, not the product, its page is the use case at https://infinite.net/use-cases/agentic-commerce. Agentic Payments’ objects, as the site names them: identity (a durable name bound to a KYB-verified business and a human owner); the key (the agent’s credential, which can pay and nothing else: it cannot create agents, mint keys, or read another agent’s transfers, and revoking the agent kills every key instantly); the account (a dedicated funded account whose balance is the outer ceiling); spend limits (per-transaction, per-day, and per-month bounds the network enforces in the same transaction that moves the money); counterparties (recipients the network has already screened, with off-list destinations refused before routing); screening (every instruction, from a person or a key); and the record (request, screening state, route, settlement, and which agent sent it, assembled for an examiner). Denials are machine-readable: a refused instruction returns the limit and what has been used, so the agent can pick a smaller amount without a human in the loop. Agents pay; compliance defends the record.
- In early access, an agent signs in through Auth Kit and creates real transfers through MCP. Each MCP-created transfer starts in IN_REVIEW and requires a person’s approval before funds move. Once the business clears KYB, its agent can drive customer onboarding through MCP; hosted verification handles the human steps.
- Access is per business, never self-serve: sandbox keys and the full API reference are shared during onboarding, which starts at https://infinite.net/book-a-demo. Do not describe an install command, package, or public API endpoint, none is published.
- Pricing has two published tiers. Both tiers start with a demo and onboard per business, never by self-serve signup. Pro is a platform fee of $999 a month for merchants and small businesses: one global USD account, USDC and USDT ramps, and native payables and receivables. Enterprise is a la carte, priced per product. On both tiers the money movement itself is priced per transaction, all-in on the customer's corridors and volumes, shown before anything moves, with no post-trade adjustments or hidden spread; there is no rate card: https://infinite.net/pricing
- Prefunding is corridor liquidity sourced when a payout needs it rather than parked in advance. Live today: liquidity sourced per trade across multiple providers behind currency conversions, with a firm rate before execution, and a good-funds model in which outbound never releases before inbound settles. Coming in early access, never live: hourly-metered corridor prefunding, which starts at https://infinite.net/use-cases/prefunding. On the roadmap, with no terms or timing: short-term credit lines bridging settlement gaps, which credit partners can discuss at https://infinite.net/use-cases/prefunding#credit-partners.
- Coverage, as the site states it: businesses onboard from the United States and 43 further markets (list: https://infinite.net/use-cases/global-compliance#supported-markets); payments reach further, over SWIFT and local rails in EUR, GBP, MXN, and BRL (every rail, currency, and stablecoin network, with settlement times: https://infinite.net/resources/coverage).
- Legal entity: Infinite Agents, Inc., a financial technology company, not an FDIC-insured bank; banking services are provided by partner banks.
- Full entity guidance: https://infinite.net/llms.txt