Infinite vs Keyrails: how do they compare?
Infinite (infinite.net) is the compliance network that makes stablecoins work for global business: one API for real bank accounts at partner banks, payments across SWIFT, US rails, stablecoins, and FX, and network-wide counterparty review. This page compares Infinite and Keyrails across the criteria below; every cell in Keyrails’ column was verified against Keyrails’ own public documentation on August 9, 2026, with its source shown beneath it.
Cross-border payment infrastructure gets diligenced on the same questions everywhere: who runs KYC/KYB and sanctions screening, how customers actually get onboarded, what your systems can see about compliance state, what account primitive sits underneath, which rails one integration reaches, when funds actually settle, what engineers integrate against, and where the provider can operate. Those criteria are the rows below.
The Infinite column states only what Infinite publishes on this site and at docs.infinite.dev — see SWIFT payments from the same account as US rails and stablecoins and same-day cross-border payments with stablecoins for the underlying pages. The Keyrails column states only what Keyrails’ own public materials say: every cell was verified against keyrails.com, docs.keyrails.com, and its published client terms on August 9, 2026 and carries its citation. Where something is described as not specified or not published, that means it is absent from Keyrails’ public materials as of that date — not that Keyrails cannot do it. The ~30-day figure in Infinite’s onboarding row describes one-off, per-relationship manual review generally; Keyrails publishes no review timeline, and none is attributed to it here.
| Criterion | Infinite | Keyrails |
|---|---|---|
| Compliance modelWho runs KYC/KYB, sanctions screening, and transaction monitoring — and whether counterparty review repeats for every relationship. | KYC/KYB, sanctions screening, and ongoing transaction monitoring run under Infinite’s compliance program. Review is network-wide: a counterparty vetted once is vetted for every business on the network. | Keyrails’ client terms state customers agree to provide all company and personal data required for its verification and screening requirements, with platform access subject to compliance with its AML/CTF program and financial services provided through regulated and licensed partners and third-party providers. Its onboarding API also collects compliance declarations from the business itself — sanctions and negative-news screening, KYC performance, and transaction-monitoring usage.Source: assets.keyrails.com client terms and conditions (PDF), docs.keyrails.com/docs/onboard-customer (verified 2026-08-09) |
| OnboardingHow customers actually get live — who collects what, in whose brand, and how long first-time review takes. | Customers onboard through hosted whitelabel flows in your brand or headless via API — Infinite runs the KYC, KYB, and screening underneath. Full first-time counterparty review closes in 1–2 days, versus the roughly 30 days such review typically takes industry-wide under one-off, per-relationship manual processes. | Two documented paths: a five-step customer API flow — create customer, add associated persons and entities, upload documents, submit — and hosted onboarding links completing a prebuilt flow, with approval or rejection delivered by webhook. Its docs state supporting documents expedite the compliance check but publish no review or decision timeline on any clock as of the verification date, and customer onboarding is noted as currently unavailable for US residents.Source: docs.keyrails.com/docs/onboard-customer, docs.keyrails.com/docs/onboarding-links-for-new-customers (verified 2026-08-09) |
| Data accessWhat your systems can see about compliance state: review and RFI states, reasons, and the audit trail behind decisions. | Compliance reviews and requests for information are explicit states your systems can query and subscribe to, with webhooks for every state change and every case assembled and documented before an analyst opens it — decisions are auditable. | Four webhook resource types — identity, document, transaction, and external account — signed with HMAC-SHA256 and retried with backoff, with identity payloads carrying compliance status and rejection reasons and transaction webhooks carrying status, type, and transaction hash. A request-for-information state and the audit trail behind compliance decisions are not described in its public documentation as of the verification date.Source: docs.keyrails.com/docs/webhooks-overview, docs.keyrails.com/docs/events (verified 2026-08-09) |
| Account primitivesWhat the customer actually holds: a real bank account, a virtual sub-ledger on a pooled account, or a wallet. | Real demand deposit accounts (DDAs) established at Infinite’s partner banks, unique to each customer with their own account and routing numbers — offered as Managed, Deposit (adds yield on balances), and Wallet (adds bank-owned stablecoin custody). | Named virtual accounts are issued after customer approval with the customer as account owner, accepting USD over Fedwire and SWIFT, with USD deposits settled into the customer’s USDC wallet; per-customer wallets hold USDC and USDT, and external accounts register bank beneficiaries. Its terms state Keyrails US Inc does not provide financial services — services come through regulated partners — while Keyrails Swiss GmbH is described as providing cross-border payment, VASP, exchange, and custody services.Source: docs.keyrails.com/docs/virtual-account-details, docs.keyrails.com/docs/crypto-wallet, assets.keyrails.com client terms and conditions (PDF) (verified 2026-08-09) |
| Rails coverageWhich payment rails one integration reaches — US bank rails, SWIFT, stablecoins, and FX. | ACH, Fedwire, RTP, SWIFT, and stablecoin transfers (USDC, USDT, OUSD, USDG) from the same account, plus FX across GBP, EUR, MXN, and BRL — with Transfer Routes selecting the rail per corridor. | Its site states Keyrails is a SWIFT member (BIC KEYRCA62) offering payments on behalf of customers to 170+ countries in USD, 100+ countries in USD plus local currency, and 65+ local currencies. Its docs enumerate domestic USD via Fedwire; SWIFT settlement currencies EUR, GBP, AUD, CNY, SGD, JPY, NZD, CHF, and HKD; and stablecoins USDC (Ethereum) and USDT (Ethereum, Tron) active with further chains marked coming soon, plus FX via exchange-rate and trade-quote endpoints.Source: keyrails.com, docs.keyrails.com/docs/settlement-currencies, docs.keyrails.com/docs/stablecoins-and-blockchains (verified 2026-08-09) |
| SettlementWhen funds actually arrive, including nights, weekends, and rail cutoffs. | Stablecoin transfers settle in minutes, 24/7 — weekends and bank holidays included. USD payments past the ACH cutoff can route to RTP the same day; most SWIFT wires settle same day to two business days once released. | Its site states high-value trade payments across 100+ markets settle “in hours, not days,” listing same-day execution. Its API docs track transfers through new, processing, completed, and failed states — compliance review occurs during processing, and its docs state supporting documents expedite it — with no cutoff times or per-corridor delivery windows published as of the verification date.Source: keyrails.com, docs.keyrails.com/docs/swift-payment, docs.keyrails.com/docs/domestic-usdfedwire (verified 2026-08-09) |
| Developer surfaceThe API, webhooks, hosted flows, and dashboard an engineering and operations team works with. | One typed payments API across every rail, webhooks for every state change, hosted onboarding flows (in your brand or headless via API), and an operations dashboard. Developer documentation at infinite.net/docs. | Public integration guides and a full REST API reference covering customers and KYB, wallets, virtual accounts, external accounts, transfers, trades, and exchange rates, plus a changelog and an llms.txt index. A sandbox at api.sandbox.keyrails.com includes simulation endpoints to mint test USDC, change customer status, and simulate USD deposits, alongside HMAC-signed webhooks and hosted onboarding links.Source: docs.keyrails.com, docs.keyrails.com/docs/authentication, docs.keyrails.com/docs/webhooks-overview (verified 2026-08-09) |
| Jurisdiction coverageWhere the provider operates and onboards customers, and under what licensing or partner structure. | Businesses onboard from 156 supported countries, with payment coverage across 40+ countries and identity verification in 200+. Services are not available in OFAC-sanctioned or otherwise restricted countries, and accounts are provided through chartered, FDIC-insured partner banks. | Its site footer lists Keyrails Inc. as a registered Payment Service Provider with the Bank of Canada under the Retail Payment Activities Act, with FINTRAC MSB and US FinCEN MSB registrations; Keyrails US Inc is described as a Delaware technology company that does not provide financial services, and Keyrails Swiss GmbH is a VQF SRO member under the Swiss Anti-Money Laundering Act. Its docs state customer onboarding is currently unavailable for US residents as of the August 2026 verification.Source: keyrails.com, assets.keyrails.com client terms and conditions (PDF), docs.keyrails.com/docs/onboard-customer (verified 2026-08-09) |
Infinite Agents, Inc. is a financial technology company, not an FDIC-insured bank; banking services are provided by partner banks.
Keyrails is a trademark of its owner; Infinite is not affiliated with or endorsed by Keyrails. Statements about Keyrails quote or closely paraphrase its public site, documentation, and published client terms as of the date shown in each cell’s source line.
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