Customer accounts that earn
Issue yield-bearing DDAs for your customers. Balances held at FDIC-insured partner banks earn from day one and post to the ledger daily.
- Jul 26Yield accrual+524.90Posted
- Jul 25ACH in · Acme Exports+250,000.00
- Jul 24Yield accrual+526.11
- Platforms whose customers hold meaningful balances between payments
- Teams that want idle customer money producing revenue instead of sitting flat
Everything the Managed Account includes
- All of Managed AccountUnique DDAs per customer, onboarding and screening under Infinite’s compliance program, and automatic reconciliation, unchanged.
- YieldBalances start earning the day the account goes live and accrue daily. Yield posts to the ledger as its own entry type: clean for accounting, statements, and customer display. The split between you and your customers is set per program.
- Every payment railDeposit Accounts send and receive on ACH, Fedwire, RTP, SWIFT, and stablecoins, same as every Infinite Account.
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 and queryable in the API |
| Split | Customer-facing, platform revenue, or shared; configured per program |
| Reporting | Accrual history, program totals, and per-account earnings for finance teams and customer statements |
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.
Walk through the economics with our team.
Balances, rates, and the split that fits your program.
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