Customer accounts that earn
Issue yield-bearing DDAs for your customers — balances held at FDIC-insured partner banks earn from day one, posting yield to the ledger daily.
- JUL 23ACH IN — ACME EXPORTS+$250,000.00
- JUL 24YIELD ACCRUAL+$524.90
- JUL 25YIELD ACCRUAL+$526.11
- JUL 26FEDWIRE OUT — NORTHWIND−$120,000.00
- JUL 27YIELD ACCRUAL+$531.72
- JUL 28YIELD ACCRUAL+$538.15
The Deposit Account is a yield-bearing demand deposit account (DDA) that Infinite (infinite.net) issues for each of your customers. It includes everything the Managed Account does — onboarding, screening, and reconciliation handled by Infinite — and balances earn from day one. Built for platforms holding meaningful customer balances, where idle money becomes revenue and retention.
- Platforms whose customers hold meaningful balances between payments
- Teams that want idle customer money producing revenue instead of sitting flat
- Products where yield is a retention feature — balances that earn are balances that stay
Everything Managed includes, plus yield
All of Managed Account
Unique DDAs per customer, onboarding and screening under Infinite’s compliance program, and automatic reconciliation — unchanged.
Yield from day one
Balances start earning the day the account goes live. No activation steps, no balance tiers to configure first.
Daily ledger entries
Yield posts to the account as a ledger entry with its own type — clean for accounting, statements, and customer display.
Flexible yield split
Customer-facing, revenue-facing, or shared — the split is set per program and can change as your product does.
Every payment rail
Deposit Accounts send and receive on ACH, Fedwire, RTP, SWIFT, and stablecoins, same as every Infinite Account.
Dashboard & API reporting
Accrual history, program totals, and per-account earnings — for your finance team and your customers’ statements.
Plainly: balances earn, entries post
Balances sit in real DDAs
Customer funds are held in deposit accounts at Infinite’s partner banks — the same account structure as the Managed Account, with the same onboarding and screening.
Yield accrues daily
Balances earn from day one. Accrual is calculated daily against the ledgered balance — no minimums, no sweep windows to manage.
Yield posts like any other entry
Accruals append to the account ledger the way a payment does — visible in the dashboard, queryable in the API, reconciled automatically.
You choose the economics
Pass yield through to customers, keep it as program revenue, or split it. The share is configured per program, with the disclosure language to match.
How yield is set, accrued, and split
| Rate | Set per program during onboarding — varies with balances and program structure |
| Accrual | Daily, calculated on the ledgered balance — no minimums, no sweep windows |
| Posting | Daily ledger entry — visible in the dashboard, queryable in the API |
| Split | Customer-facing, platform revenue, or shared — configured per program |
Talk to us for current program terms and worked examples at your balance levels.
Answers before you ask
Where does the yield come from?
Yield is generated by interest paid on customer balances held in deposit accounts at Infinite’s partner banks. The full program terms — including the source and rate of yield — are documented during onboarding.
Can we publish a rate to our customers?
Rates are program-specific and set during onboarding. Infinite provides the disclosure language your program needs before any rate is shown to customers.
Who keeps the yield — us or our customers?
That’s your call. Programs run customer-facing yield, platform revenue, or a split — configured per program and reflected automatically in how entries post.
Is Deposit a separate product from Managed?
Same account, same onboarding, same rails — yield is the difference. Existing Managed Accounts can be upgraded without re-onboarding the customer.
- Managed AccountIssue unique managed DDAs for your customers
- Deposit AccountIssue yield bearing DDAs for your customers
- Wallet AccountIssue bank-owned wallets for your customers
Put customer balances to work.
Walk through the economics with our team — balances, rates, and the split that makes sense for your program.