Move money for your customers, compliantly
Every customer gets a real account, not a row in your ledger. Onboarding, screening, and monitoring run on the network, documented for your auditors.
- Your platformPayouts, disbursements, customer balances
- KYC and KYBEvery customer whose funds moveCleared
- ScreeningBoth sides of every payment
- MonitoringContinuous · documented for auditors
- Managed AccountA seller · own routing number
- Deposit AccountA creator · own balance
- 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
- Managed AccountA seller · own routing number
- Deposit AccountA creator · own balance
- Wallet AccountA partner · bank-owned wallet
- Platforms and marketplaces paying out sellers, creators, and partners.
- Neobanks and fintechs holding and moving customer balances.
- Payroll and payout providers disbursing on behalf of client businesses.
Customer-level diligence, run on the network.
Know every customer
KYC and KYB on each customer whose funds move, onboarded through compliant, whitelabel flows in your brand.
Screen every counterparty
Sanctions and watchlist screening on both sides of every payment, before funds move, on every rail.
Monitor continuously
Transaction monitoring across the network, with casework assembled and documented inside human-approved policy and judgment calls routed to named analysts.
Keep the record
Every onboarding, screen, and decision is documented and exportable for auditors and regulators.
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 |
Only moving your own money? See first-party funds flow
Answers before you ask
Do platforms avoid money transmitter licensing by using Infinite?
The approved answer to this question is with our legal team. Licensing depends on your structure and the states and products involved; talk to sales and we’ll walk through how it applies to your specific setup.
Who holds the banking relationships behind the accounts?
Customer accounts are real accounts on the Infinite network (managed DDAs, yield-bearing DDAs, and bank-owned wallets issued through Infinite’s chartered, FDIC-insured partner banks), not pooled balances on your platform’s books. For what a demand deposit account is, and why a real account per customer matters, see the DDA glossary entry.
What compliance work does Infinite take on?
Onboarding, screening, and monitoring run on the network: KYC/KYB on each customer, sanctions screening on every payment, continuous transaction monitoring, and documented, audit-ready case files, with human-approved policy governing outcomes and judgment calls routed to named analysts. Infinite operates the review and prepares required files; the partner bank reviews them under its own program and keeps final authority. See Embedded Compliance for the whitelabel onboarding front end and Compliance AI for the case assembly behind it.
How do our customers get onboarded?
Through compliant, whitelabel onboarding flows in your brand, provided by Embedded Compliance: your customer sees your product while KYC and KYB run to network standard behind it. For what a business verification covers, see the Know Your Business glossary entry.
Does a customer vetted on Infinite get re-vetted?
No: a counterparty vetted once is vetted for the whole network, and the more companies that connect, the less redundant review for everyone. That is what moves first-time compliance review from ~30 days to 1–2 days. See Stablecoin Compliance for how network-level vetting works.
Compliance review in 1–2 days, not 30.
Talk to sales about your platform’s onboarding, screening, and monitoring.
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