Infinite vs Noah: 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 Noah across the criteria below; every cell in Noah’s column was verified against Noah’s 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, 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 third-party funds flows with explicit compliance states and hosted onboarding in your brand for the underlying pages. The Noah column states only what Noah’s own public materials say: every cell was verified against noah.com and docs.noah.com — including its published terms and licences pages — on August 9, 2026 and carries its citation. Where something is described as not specified or not published, that means it is absent from Noah’s public materials as of that date — not that Noah cannot do it. For the prose treatment of the same question, see the essay Infinite vs Noah: whose customer, whose account.
| Criterion | Infinite | Noah |
|---|---|---|
| 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. | Noah documents two models: under its Standard Model, Noah “enters into a contractual relationship with your customer, and absorbs the regulatory-compliance requirements” — Noah runs KYC through hosted onboarding and the end user becomes Noah’s customer. Under its Reliance Model, limited to regulated entities and documented for EUR transactions only, the business performs the KYC, AML, fraud, and transaction-monitoring obligations and shares simplified KYC data with Noah, which keeps ongoing screening on payment methods.Source: docs.noah.com/getting-started/kyc (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. | Sandbox registration is self-serve via its business dashboard, with Noah’s KYB and compliance review of the business proceeding in parallel with integration testing per its quick start. For end customers on the Standard Model, Noah notifies by webhook when a customer’s onboarding status reaches approved; numeric review or decision durations — for Noah’s business KYB or its end-customer decisions — are not published in its documentation as of the verification date.Source: docs.noah.com/getting-started/quick-start (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. | Webhooks cover customer events — fired when hosted onboarding completes and when onboarding status changes among pending, approved, and declined — plus fiat deposit and transaction events, signed with ECDSA and retried up to seven times. Its dashboard provides an overview of accounts, transactions, and customers with downloadable reports.Source: docs.noah.com/api-concepts/webhooks/configuration, docs.noah.com/recipes/payout/hosted-checkout (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). | Businesses transact from a Noah business account balance, and its bank-onramp docs state each customer receives dedicated bank account details — an IBAN for EUR, ACH routing for USD. Its US terms describe customer fiat held with a banking partner in a “Noah FBO Account” for the benefit of the customer, while crypto-asset wallets are described as provided by the partner or the customer’s chosen third-party supplier.Source: docs.noah.com/products/bank-onramp, noah.com US terms of service (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 Global Payouts docs describe one API reaching over 120 fiat currencies across 60+ countries via bank transfers, mobile money, digital wallets, cash pickup, and card payouts — named corridors include India (INR) and the UAE (AED) alongside Brazil, Mexico, Nigeria, and the Philippines. Documented bank rails include SEPA, US ACH, Fedwire, RTP and FedNow, and SWIFT for international USD and EUR, with payment routes discovered at runtime through its Channels API.Source: docs.noah.com/products/global-payouts-api, docs.noah.com/api-concepts/channels, docs.noah.com/products/bank-onramp (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 bank-onramp docs state instant settlement to the Noah business account for incoming fiat, and its payout materials describe same-day or instant delivery with settlement times from days to minutes through local systems — its payout page states: “From the second we receive payments with finality, we process transactions instantly.”Source: docs.noah.com/products/bank-onramp, docs.noah.com/products/automated-payouts, noah.com/en/products/payout (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. | Developer docs with an API reference, a self-serve sandbox using testnet currencies with custom stablecoin equivalents, webhook signature-verification examples in Node.js, Python, Go, and Java, hosted checkout sessions created via API, hosted customer onboarding, and a business dashboard for API keys, webhooks, reconciliation, and report downloads.Source: docs.noah.com/getting-started/quick-start, docs.noah.com/api-concepts/webhooks/configuration (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. | Noah US, Inc. (NMLS #2696057) holds money transmitter licenses across US states plus DC and Puerto Rico, as listed on its licences page, alongside a Canadian MSB registration and a Lithuanian VASP registration. Its US terms state restricted states include New York and Louisiana, and its UK page states, as of the August 2026 verification, that Noah’s services are currently unavailable to UK residents.Source: noah.com licences-and-registrations, noah.com US terms of service, noah.com/en/uk (verified 2026-08-09) |
Infinite Agents, Inc. is a financial technology company, not an FDIC-insured bank; banking services are provided by partner banks.
Noah is a trademark of its owner; Infinite is not affiliated with or endorsed by Noah. Statements about Noah quote or closely paraphrase its public documentation as of the date shown in each cell’s source line.
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