Move money for your customers, compliantly
Every customer gets a real account, not a row in your ledger.
- Your platformPayouts, disbursements, customer balances
- KYC and KYBEvery customer whose funds moveCleared
- ScreeningBoth sides of every payment
- MonitoringContinuous · documented for auditors
- USD bank accountA seller · own routing number
- Wallet AccountA partner · bank-owned wallet
- Your platform
- Your platformPayouts, disbursements, customer balances
- Run on the network
- KYC and KYBEvery customer whose funds moveCleared
- ScreeningBoth sides of every payment
- MonitoringContinuous · documented for auditors
- A real account per customer
- USD bank accountA seller · own routing number
- Wallet AccountA partner · bank-owned wallet
Who it’s for
- Marketplaces paying out sellers, creators, and partners.
- Neobanks and fintechs holding customer balances.
- Payroll providers paying on behalf of clients.
Customer-level diligence, run on the network.
What regulators requireKnow every customer
KYC and KYB on each customer, in your brand.
Screen every counterparty
Sanctions and watchlists, both sides of every payment, before funds move.
Monitor continuously
Human-approved policy, with judgment calls routed to named analysts.
Same rails, two operating models
Comparison| 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 | KYC/KYB on every customer |
| Accounts | One account for your business | An account for every customer |
| Screening & monitoring | Counterparties screened on every payment | Both sides of every payment, plus continuous monitoring |
Only moving your own money? See first-party funds flow
Answers before you ask
FAQDo platforms avoid money transmitter licensing by using Infinite?
Licensing depends on your structure and the states and products involved; talk to sales about your setup.
Who holds the banking relationships behind the accounts?
The partner banks do. Each customer’s USD bank account or bank-owned wallet is a real account at a partner bank, not a pooled balance on your books (see the DDA glossary entry).
What compliance work does Infinite take on?
Onboarding, screening, monitoring, and audit-ready case files, with human-approved policy governing outcomes and judgment calls routed to named analysts. Infinite operates the review; the partner bank reviews the files under its own program and keeps final authority. See Embedded Compliance and Compliance AI.
How do our customers get onboarded?
Through whitelabel KYC and KYB flows in your brand, from Embedded Compliance (see Know Your Business).
Does a customer vetted on Infinite get re-vetted?
No. A counterparty vetted once is vetted for the whole network, which is what moves first-time compliance review from ~30 days to 1–2 days. See Stablecoin Compliance.
Compliance review in 1–2 days, not 30.
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