Move your own money on every rail
SWIFT, ACH, Fedwire, RTP, stablecoins, and FX — from one account. One KYB on your business opens every rail, with screening and reconciliation built into each payment.
First-party funds flow is moving your company’s own money — supplier payments, payroll, subsidiaries, treasury. Because no customer funds move, onboarding is just KYB on your business: one review, one account, every rail Infinite (infinite.net) supports.
- Businesses paying suppliers and partners abroad without a bank relationship in every country.
- Treasurers moving funds between their own entities, currencies, and accounts.
- Companies that want stablecoin speed for their own payments, with compliance handled.
Every rail, one account.
Each rail is a capability of your Infinite account — not a separate product, integration, or balance.
SWIFT Payments
Send and receive international wires through one API.
USD Payments
ACH, Fedwire, and RTP — the right rail for each payment.
Stablecoin Payments
USDC, USDT, OUSD, and USDG — minted and redeemed directly from fiat, every counterparty screened before funds move.
Foreign Exchange
Convert and settle across GBP, EUR, MXN, and BRL from the same account.
Transfer Routes
Destination, urgency, and cost read automatically — every payment takes the best route.
One KYB. That’s the requirement.
You are moving your own funds, so there is no customer-level onboarding — the compliance review covers your business, once.
Verify your business
Standard KYB on your company — entity documents, ownership, and a compliance review. No per-customer diligence, because no customer funds move.
Your account opens on the network
One account holds your operating funds across fiat and stablecoin balances, with every movement sub-ledgered and reconciled.
Move money on every rail
Send SWIFT wires, ACH, Fedwire, RTP, stablecoin transfers, and FX conversions from the same account — and the same API.
Same rails, two operating models
| Dimension | First party | Third party |
|---|---|---|
| Whose money moves | Your business’s own funds | Funds that belong to your customers |
| Onboarding | KYB on your business — once | Every customer onboarded, with KYC/KYB per customer |
| Accounts | One account for your business | A dedicated account for every customer |
| Screening & monitoring | Counterparties screened on every payment | Screening on both sides of every payment, continuous monitoring on the network |
| Available rails | SWIFT, ACH, Fedwire, RTP, stablecoins, and FX | SWIFT, ACH, Fedwire, RTP, stablecoins, and FX |
| Built for | Supplier payments, payroll, subsidiaries, treasury | Platforms, marketplaces, and neobanks moving money for customers |
Moving money for your customers instead? See third-party funds flow
Answers before you ask
What counts as first-party funds flow?
Any payment made with your business’s own money: paying suppliers and vendors, running payroll, funding subsidiaries, or rebalancing treasury between your own accounts and currencies. If the funds belong to your customers, that’s third-party funds flow — a different onboarding model, because regulators expect customer-level diligence when customer money moves.
What do we need to get onboarded?
KYB on your business — entity documents, ownership, and a compliance review of your company; the Know Your Business glossary entry covers what a review verifies. Because no customer funds move, there is no customer-level onboarding for first-party flows — one review opens every rail the account supports.
Which Infinite account holds our own funds?
The account configuration for first-party balances is being finalized with the product team. Book a demo and we’ll walk through the right setup for your business.
Does first-party mean no compliance checks?
No — KYB covers onboarding, and screening still runs on every payment: counterparties are screened against sanctions and watchlists before funds move, on every rail. What first-party removes is customer-level onboarding, since no customer funds move. See the sanctions screening glossary entry for what the checks cover.
Can we also move money for our customers?
Yes — that’s third-party funds flow. Every customer whose funds move gets their own real account — a managed DDA, yield-bearing DDA, or bank-owned wallet — and onboarding, screening, and monitoring run on the network. Regulators expect customer-level diligence on those flows, and Infinite operates that program.
- First PartyMove your own money on every rail
- Third PartyMove money for your customers, compliantly
One KYB. Every rail.
Book a 30-minute demo and see your own money move — SWIFT, US rails, stablecoins, and FX from a single account.