A real account for every customer

A unique DDA for each customer, with its own routing number, held at FDIC-insured partner banks. Infinite runs the compliance.

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Managed AccountActive

Acme Exports Ltdacct_7f31c2

86,004.10 USD

Account number: •••• 4821
Routing number: 0210 ••••

ACH
Fedwire
RTP
SWIFT
Stablecoins

ONE REAL ACCOUNT PER CUSTOMERILLUSTRATIVE BALANCES

Who it’s for

A Managed Account is a demand deposit account (DDA) that Infinite issues for each of your customers. Infinite runs onboarding, screening, and reconciliation, so a platform can give every customer a real bank account without becoming a bank.

Platforms and fintechs issuing real bank accounts without a charter or an in-house compliance program
Businesses replacing a pooled account and manual reconciliation with an account per customer
Teams that would rather run under Infinite’s compliance program than build their own

What’s included

The account, and everything around it

Real customer accountsEach customer gets a demand deposit account with its own account and routing numbers, titled to them.
Onboarding and screeningKYC/KYB, sanctions screening, and monitoring under Infinite’s program, in your brand or via API.
Automatic reconciliationInbound payments match to the customer’s account on arrival, with a webhook on every state change.
Every payment railACH, Fedwire, RTP, SWIFT, and stablecoin transfers from the same account.
Continuous monitoringTransactions monitored and counterparties screened across the network, documented for your auditors.
One dashboard, one APIAccounts, balances, and activity in one console and one REST API. Titling and program disclosures are documented during onboarding.

How issuance works

From API call to live account

01

Create the account

One API call issues the customer’s DDA.

02

Onboard the customer

The customer clears KYC/KYB and sanctions screening through Embedded Compliance in your brand, or your own UI via API.

03

Go live on every rail

The account sends and receives from day one.

04

Every payment reconciles itself

Funds land in the right customer’s account with a matched ledger entry.

Developers

Integrate once.

One call issues the account. It comes back live, with the screening record attached.

Read the docs

create-account.tsIllustrative example

const account = await fetch("/v1/accounts", {
  method: "POST",
  headers: {
    Authorization: "Bearer " + apiKey,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    type: "managed",
    customer: { name: "Acme Exports Ltd", country: "SG" },
  }),
});

response.json

// 201 Created. Onboarded, screened, and live, with its own numbers.
{
  "id": "acct_7f31c2", "type": "managed", "status": "active",
  "customer": { "name": "Acme Exports Ltd", "country": "SG" },
  "accountNumber": "•••• 4821",
  "routingNumber": "0210…",
  "rails": ["ach", "fedwire", "rtp", "swift", "stablecoin"],
  "compliance": {
    "case": "case_2d91c4", "outcome": "cleared", "policy": "pol_4a1d",
    "checks": [
      { "type": "kyb", "result": "clear", "evidence": "evd_77f0", "reused": true },
      { "type": "sanctions", "result": "clear", "evidence": "evd_c31e" }
    ]
  }
}
// kyb reused: cleared once on the network, so the account came back live

FAQ

Answers before you ask

Do we need our own banking or money transmitter licenses?

Accounts are established under Infinite’s regulated banking partners and operated under Infinite’s compliance program. Infinite runs onboarding, screening, and monitoring and makes the decision on every case; the partner bank reviews every file under its own program and keeps final authority. What that means for your own licensing posture depends on your flow of funds; see third-party funds flow for how platforms move money for their customers compliantly.

Are customer accounts named accounts, or an FBO under our platform’s name?

Named accounts. Each account is a real demand deposit account, unique to the customer and titled to it at Infinite’s chartered, FDIC-insured partner banks, with its own account and routing numbers, not a virtual sub-account under an FBO titled to your platform. The exact titling structure and disclosure language for your program are documented during onboarding.

How long does customer onboarding take?

Compliance review that traditionally takes around 30 days closes in 1–2 days on the network. Because screening runs network-wide, a counterparty vetted once is vetted for every business on Infinite. The more companies connect, the less redundant review for everyone.

How is Managed different from Deposit and Wallet?

All three are Infinite Accounts with the same onboarding, screening, and reconciliation. The Deposit Account adds yield on balances; the Wallet Account adds bank-owned stablecoin custody. Most platforms start Managed and layer the others on per customer.

See the companies processing on Infinite

Explore the platform

Infinite Accounts

Managed AccountOpen bank accounts for your customers
Deposit AccountHold customer funds in deposit accounts
Wallet AccountHold and move stablecoins
Virtual AccountsMatch incoming funds to each customer

Funds Flow

Infinite Pay

Infinite Agents

See it on a live account.

30 minutes: accounts, payments, and the screening record behind them.

Book a demo

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