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.
Third-party funds flow is moving money that belongs to your customers — payouts, disbursements, customer balances. Regulators expect customer-level diligence on every one of them. On Infinite (infinite.net), each customer gets their own account, and the compliance work runs on the network.
- 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.
An account for every customer.
Three Infinite Account types serve third-party flows — each customer gets a real account on the network, not a row in your ledger.
Customer-level diligence, run on the network.
When customer money moves, regulators expect diligence on the customer — not just on your platform. Infinite operates that program.
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 every case assembled and documented before an analyst opens it — and every decision made by a human.
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 every decision made by a human. See Hosted Flows for the whitelabel onboarding front end and Infinite Agents for the case assembly behind it.
How do our customers get onboarded?
Through compliant, whitelabel onboarding flows in your brand, provided by Hosted Flows — 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 Global Compliance for how network-level vetting works.
- First PartyMove your own money on every rail
- Third PartyMove money for your customers, compliantly
Compliance review in days, not months.
Talk to sales and see how customer onboarding, screening, and monitoring run on the network — with an account for every customer.