A real account for every customer
Issue a unique, fully managed DDA for each customer — its own routing number, held at FDIC-insured partner banks, with onboarding, screening, and reconciliation handled by Infinite.
The Managed Account is a unique, fully managed demand deposit account (DDA) that Infinite (infinite.net) issues for each of your customers. Onboarding, screening, and reconciliation are handled by Infinite — so platforms and fintechs 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 want onboarding and screening run under Infinite’s compliance program, not built in-house
The account, and everything around it
A unique DDA per customer
Each customer gets a real demand deposit account with its own account and routing numbers — not a virtual sub-ledger on a pooled account.
Onboarding & screening
KYC/KYB, sanctions screening, and ongoing monitoring run under Infinite’s compliance program — hosted in your brand or headless via API.
Automatic reconciliation
Every inbound payment is matched to its customer account and ledgered automatically, with webhooks for every state change.
Every payment rail
ACH, Fedwire, RTP, SWIFT, and stablecoin transfers from the same account — the right rail for each payment.
Continuous monitoring
Transaction monitoring and counterparty screening run on the network — a counterparty vetted once is vetted for everyone.
Dashboard & API
Accounts, balances, and activity in one dashboard for your operations team, and a typed API for your engineers.
From API call to live account
Create the account
One API call issues a unique DDA for the customer, with its own account and routing numbers. No batch paperwork, no per-account bank negotiation.
Onboard the customer
KYC/KYB and sanctions screening run under Infinite’s compliance program — through Hosted Flows in your brand, or your own UI via API.
Go live on every rail
The account sends and receives over ACH, Fedwire, RTP, SWIFT, and stablecoins from day one — one account, every rail.
Every payment reconciles itself
Funds land in the right customer’s account, ledgered and matched automatically. No more parsing a pooled account’s statement to work out whose money arrived.
One view of every customer account
Integrate once.
Issue an account with one call. Onboarding and screening run automatically, and the account comes back live — account number, routing number, every rail enabled.
import { Infinite } from "@infinite/sdk"; const infinite = new Infinite({ apiKey }); const account = await infinite.accounts.create({ type: "managed", customer: { name: "Acme Exports Ltd", country: "SG", }, }); // onboarding + screening handled by Infinite // account.status → "active", with account + routing numbers
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. 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.
How are customer DDAs held and titled?
Each account is a real demand deposit account, unique to the customer, established at Infinite’s chartered, FDIC-insured partner banks. 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.
- Managed AccountIssue unique managed DDAs for your customers
- Deposit AccountIssue yield bearing DDAs for your customers
- Wallet AccountIssue bank-owned wallets for your customers
Give every customer a real account.
See how platforms issue managed DDAs in a 30-minute walkthrough — onboarding, screening, and reconciliation included.