Comparison
Infinite vs Tazapay: 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 Tazapay across the criteria below; every cell in Tazapay’s column was verified against Tazapay’s own public documentation on August 9, 2026, with its source shown beneath it.
How to read this
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 infinite.net/docs — see same-day cross-border payments with stablecoins and third-party funds flows with explicit compliance states for the underlying pages. The Tazapay column states only what Tazapay’s own public materials say: every cell was verified against tazapay.com and developer.tazapay.com — including its published licences page — on August 9, 2026 and carries its citation. Where something is described as not specified or not published, that means it is absent from Tazapay’s public materials as of that date — not that Tazapay cannot do it.
| Criterion | Infinite | Tazapay |
|---|---|---|
| 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. | Tazapay runs the compliance program itself: entities submitted for KYB are picked up for verification by Tazapay; its reusable KYC/KYB feature lets a platform share an existing verification, and its docs state Tazapay “still runs full KYC/KYB checks on the shared data for regulatory compliance.” Incoming collects are screened against its compliance and risk rules, payouts include a documented compliance-hold state, and its licences page states its Singapore entity complies with MAS safeguarding and AML/CFT requirements.Source: developer.tazapay.com — kyb-overview, reusable-kyc-kyb, payouts overview; tazapay.com/licenses (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. | End customers are created as entities via API or dashboard — initiated, submitted, pending or requires-action, approved or rejected — and its on-behalf-of docs state entity review “typically takes a few hours” (its clock for the end-customer decision), with a documented simplified flow creating collection accounts while review completes. Sandbox access requires no verification, while production requires merchant KYB with Tazapay’s review stated at 4–7 business days (its clock for reviewing the merchant).Source: developer.tazapay.com — onboarding-requirements, on-behalf-of onboarding, kyb-overview (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. | KYB state is machine-readable via the Entity API and four webhooks — approval processing, requires action, succeeded, and rejected — whose payloads carry status descriptions and outstanding-document lists. Compliance events on money movement are also exposed, including on-hold collects and compliance-hold payout states, with documented webhook signature authentication, a retry policy, and a sandbox endpoint that simulates entity status transitions.Source: developer.tazapay.com — entity-webhook, incoming-payment holds, simulate-entity-status, webhook-authentication (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). | Customers hold a multi-currency Tazapay balance with one primary holding currency, funded through Global Collection Accounts — local virtual account numbers and stablecoin wallets that can be provisioned as dedicated accounts per end customer, with collected funds available to hold, convert, withdraw, or pay out. Its MAS major payment institution licence expressly covers account issuance and e-money issuance, and its licences page states its Singapore entity complies with MAS requirements on safeguarding of customer funds.Source: developer.tazapay.com — balances overview, collection-accounts introduction; tazapay.com/licenses (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 coverage table enumerates per-market local rails — USD ACH and Fedwire, EUR SEPA and SEPA Instant, GBP CHAPS and Faster Payments, SGD FAST, CAD EFT, AUD NPP, AED IPP, NGN NIBSS, and PHP InstaPay and PESONet among them — plus SWIFT collection, USDC across 15 listed networks, USDT on four, and Bitcoin Lightning invoices. Payout docs publish local guides for Pix, China CNY, INR, IDR, MYR, MXN, PHP, THB, and VND plus expanded SWIFT corridors with GPI tracking; its homepage summarizes local methods in 100+ countries and payouts in 70+.Source: developer.tazapay.com — virtual-accounts coverage, stablecoins coverage, swift-payout-corridor-expansion; tazapay.com (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 coverage table publishes per-rail credit timing — instant for most local rails, T+1 for SGD FAST — and its homepage describes on-behalf-of payouts in 100+ currencies as same day; settlement sweeps to the merchant’s own bank account default to a weekly cycle per its docs, with the day set by signup date and adjustable on request.Source: developer.tazapay.com — settlements, virtual-accounts coverage; tazapay.com (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. | A v3 REST API reference with a downloadable OpenAPI spec, documented idempotency, webhooks with published signature-authentication and retry-policy pages, a hosted checkout, an embeddable JavaScript SDK, no-code options including a Shopify plugin, an llms.txt index, and a dashboard with maker-checker payout approval. The sandbox ships simulators for collects, entity status, payouts, reversals, and test cards.Source: developer.tazapay.com — llms.txt, javascript-sdk overview, create-checkout, sandbox simulators (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 homepage summarizes local collection methods in 100+ countries and payouts in 70+. Its licences page lists six jurisdictions: a MAS major payment institution licence in Singapore; FINTRAC MSB and Bank of Canada RPAA payment-service-provider registrations in Canada; a FinCEN-registered MSB with money transmitter licences in eight US states; AUSTRAC registration in Australia; a Hong Kong money service operator licence; and India flows under the RBI’s Rupee Drawing Arrangement. Stablecoin services are provided by its Canadian entity and described as limited to facilitating payments and conversions.Source: tazapay.com/licenses, tazapay.com (verified 2026-08-09) |
Infinite Agents, Inc. is a financial technology company, not an FDIC-insured bank; banking services are provided by partner banks.
Tazapay is a trademark of its owner; Infinite is not affiliated with or endorsed by Tazapay. Statements about Tazapay quote or closely paraphrase its public documentation as of the date shown in each cell’s source line.
Run the comparison on your own flows.
Book a 30-minute demo and put your hardest corridor through Infinite — accounts, screening, routing, and settlement, side by side with what you use today.