FX built into the same account
Convert and settle across GBP, EUR, MXN, and BRL — quoted, executed, and reconciled from the same API as every other payment. Every quote is firm and all-in: the rate you see is the rate that settles.
1 USD = 0.9138 EUR · ALL-IN, QUOTED UP FRONT
- Quoted09:41:02 UTC · rate held
- Executed09:41:29 UTC · within window
- Settled to EUR balance09:41:31 UTC · reconciled
Foreign exchange on Infinite (infinite.net) is a capability of your Infinite Account, not a separate product. Request a firm quote for GBP, EUR, MXN, or BRL, execute it, and settle — through the same API, the same ledger, and the same compliance network as every other payment you make.
- For finance teams converting between USD and the currencies where their suppliers, sellers, and subsidiaries actually operate.
- No separate FX provider, no second onboarding, no reconciling two systems against each other at month end.
- Every conversion lands in your account balance and reconciles automatically — one ledger across USD rails, stablecoins, and FX.
One account, every currency it touches.
Every rail on this page is a capability of the same Infinite Account — one compliance review, one integration, one ledger across SWIFT, US rails, stablecoins, and FX.
Firm quotes, all-in
Request a quote and get a firm, all-in rate with an explicit expiry. The rate you accept is the rate that settles — no spread surprises on the confirmation.
Same-ledger settlement
Converted funds settle into your Infinite Account balance in the target currency, next to your USD and stablecoin balances. No sweeping funds between providers.
Routing-aware by design
FX is a leg Transfer Routes can use. Cross-border payments quote and execute conversion inline when it makes the route faster or cheaper.
How quotes and execution work.
Four steps from quote to reconciled balance — the hero example above runs this exact sequence.
Request a quote
Specify the pair and the amount on either side — sell $250,000 USD, or buy exactly €228,450. The API returns a firm rate with an explicit expiry window.
Execute within the window
Accept the quote while it is held and the rate is locked. Let it lapse and nothing moves — request a fresh quote when you are ready.
Settle to your balance
The converted amount lands in your account balance in the target currency, ready to pay out over local rails or hold as working capital.
Reconciled automatically
The conversion posts to the same ledger as every other movement on your account: one entry, both legs, with the executed rate attached.
GBP, EUR, MXN, and BRL — settled locally.
Every quote is firm and all-in — the rate you see is the rate that settles. Published spreads and additional pairs are on the way; corridor detail lives in the docs.
Quote, execute, settle — three calls.
FX uses the same client, keys, and conventions as transfers. Quotes are explicit objects: you always see the rate and the expiry before anything executes.
// request a firm quote const quote = await infinite.fx.quotes.create({ sell: { currency: 'USD', amount: '250000.00' }, buy: { currency: 'EUR' }, }); quote.rate; // '0.9138' — all-in quote.expiresAt; // held for the quote window // execute within the window const conversion = await infinite.fx.execute({ quoteId: quote.id, }); // settles to your EUR balance, same ledger
Answers before you ask
Which currencies are supported?
GBP, EUR, MXN, and BRL against USD today, with local settlement over Faster Payments, SEPA, SPEI, and PIX. Additional pairs are being added — talk to sales about the corridors you need. For where cross-currency payments actually pick up cost and delay, see the FX settlement glossary entry.
How long is a quote valid?
Quotes are firm for a short, explicit window returned with the quote itself — you always know the expiry before you execute. Accept within the window and the rate is locked; let it lapse and nothing moves. Exact window lengths per pair are part of the API reference — see the documentation to get started.
What does FX cost?
Pricing is all-in and shown on the quote before you commit — there are no post-trade adjustments or hidden spread. Published rate-card pricing is coming; until then, sales can share pricing for your corridors and volumes. Inside a routed payment, FX margin is part of the all-in cost Transfer Routes scores.
Where do converted funds settle?
Into your Infinite Account balance in the target currency, on the same ledger as your USD and stablecoin balances. From there you can pay out over local rails or hold the balance as working capital — no sweeping funds between providers, no second system to reconcile at month end.
Do I need a separate FX provider?
No. FX runs inside the account you already have — same API, same onboarding, same compliance program as every other payment. There is no second onboarding to complete or balance to sweep between providers, and if a payment needs conversion en route, Transfer Routes executes the FX leg automatically.
What should businesses look for in a fintech FX service?
Evaluate four things: pricing that is transparent against the mid-market rate with no post-trade adjustments, same-day settlement into the target currency, compliance screening that runs before the trade executes, and API access to quoting and execution. Some services also settle the cross-border leg over stablecoin rails, which removes correspondent-bank hops — FX settlement explains where those hops add cost and delay.
Can our platform offer FX to its own customers?
Yes. FX is one of the rails your platform resells under its own name — your customers trade under your brand while Infinite handles quoting, execution, screening, and settlement underneath. It is the same reseller model as cross-border payments for PSPs and platforms.
See a live quote on your corridor.
Bring the pair and the volume you actually trade. In a 30-minute demo we will quote it, execute it, and show you the reconciled ledger entry.