US Dollar USD
USD accounts, demand-deposit and virtual, on ACH, RTP, and Fedwire, plus SWIFT wires to major corridors. First-party and third-party funds flows share the same rails.
USD accounts and global payment rails, by currency.
Published coverage
Every listed currency, with its rails.
OverviewOne row per currency, each with its rails and directions.
| Currency | Rails | Directions |
|---|---|---|
| US DollarUSD | Rails
| Directions
|
| British PoundGBP | Rails
| Directions
|
| EuroEUR | Rails
| Directions
|
| Mexican PesoMXN | RailsSPEI: instant, 24/7 | Directions
|
| Brazilian RealBRL | RailsPix: instant, 24/7 | Directions
|
| USD CoinUSDC | Rails
| DirectionsSend and receive |
| TetherUSDT | Rails
| DirectionsSend and receive |
Times are each rail’s own, from the moment a payment is released. Full coverage in docs
Every rail, entity, and corridor, in one place.
MatrixPublished rails, entities, and corridors, each with its own page.
By rail
| Rail | Currency or asset | Settlement |
|---|---|---|
| ACH | Currency or assetUSD | SettlementSame day to 2 business days |
| RTP | Currency or assetUSD | SettlementSeconds, 24/7 |
| Fedwire | Currency or assetUSD | SettlementMinutes, same-day finality |
| SWIFT | Currency or assetUSD | SettlementMost corridors same day to 2 business days once released |
| Faster Payments | Currency or assetGBP | SettlementNear-instant, 24/7 |
| CHAPS | Currency or assetGBP | SettlementHigh-value credits during UK banking hours |
| SEPA Instant | Currency or assetEUR | SettlementSeconds, where the receiving bank participates |
| SEPA credit transfer | Currency or assetEUR | SettlementSame or next day |
| SPEI | Currency or assetMXN | SettlementInstant, 24/7 |
| Pix | Currency or assetBRL | SettlementInstant, 24/7 |
| Ethereum | Currency or assetUSDC, USDT | Settlement24/7, weekends included |
| Base | Currency or assetUSDC, USDT | Settlement24/7, weekends included |
| Polygon | Currency or assetUSDC, USDT | Settlement24/7, weekends included |
| Solana | Currency or assetUSDC, USDT | Settlement24/7, weekends included |
| Stellar | Currency or assetUSDC, USDT | Settlement24/7, weekends included |
| Celo | Currency or assetUSDC, USDT | Settlement24/7, weekends included |
| Tron | Currency or assetUSDT | Settlement24/7, weekends included |
By entity
| Entity | Verified with | Account | Funds flow |
|---|---|---|---|
| Your business | Verified withOne KYB on your business | AccountA USD account with its own routing numbers | Funds flowFirst party: your business’s own money |
| Your platform’s business customers | Verified withKYB on every customer whose funds move, in your brand | AccountTheir own USD bank account or stablecoin wallet, at a bank partner | Funds flowThird party: funds that belong to your customers |
| Owners and controllers | Verified withKYC: documents and liveness | AccountNot applicable | Funds flowNot applicable |
By corridor
| Corridor | Pay out | Pay in | Rail |
|---|---|---|---|
| British Pound (GBP) | Pay outTo GBP, from USD or stablecoins | Pay inFrom GBP | RailFaster Payments · CHAPS |
| Euro (EUR) | Pay outTo EUR, from USD or stablecoins | Pay inFrom EUR | RailSEPA Instant · SEPA credit transfer |
| Mexican Peso (MXN) | Pay outTo MXN, from USD or stablecoins | Pay inFrom MXN | RailSPEI |
| Brazilian Real (BRL) | Pay outTo BRL, from USD or stablecoins | Pay inFrom BRL | RailPix |
| USD by SWIFT wire | Pay outUSD, to major corridors | Pay inUSD, from major corridors | RailSWIFT |
USD accounts and local currencies, one heading each.
Bank railsDemand-deposit and virtual USD accounts share ACH, RTP, and Fedwire.
British Pound GBP
Pounds settle on Faster Payments, with CHAPS for high-value credits during UK banking hours.
Euro EUR
Euros settle on SEPA Instant where the receiving bank participates, or on a SEPA credit transfer.
Mexican Peso MXN
Pesos settle on SPEI, Mexico’s 24/7 instant payment system.
Brazilian Real BRL
Reais settle on Pix, Brazil’s 24/7 instant payment system.
Assets and networks, listed per coin.
StablecoinsEvery transfer is screened both ways before it releases. Stablecoin Payments covers the rail.
USD Coin USDC
USDC settles on listed networks. Same-asset bridging is published between Ethereum, Solana, Arbitrum, Base, and Polygon, with no conversion.
Tether USDT
USDT settles on listed networks. Same-asset bridging is published between Ethereum, Tron, Arbitrum, Polygon, and Solana, with no conversion.
Onboarding
Paying into a market is not onboarding from one. Businesses onboard from the United States and the further markets listed under Supported markets, and the rails above reach further.
What the docs cover, in brief.
Documentation- Rails
- The rails each currency settles on: ACH, RTP, and Fedwire for USD, SWIFT wires to major corridors, and local rails such as SEPA, Faster Payments, SPEI, and Pix.
- Stablecoins and networks
- Each supported stablecoin with the networks it settles on, and where USDC and USDT move between networks with no conversion.
- Markets and currencies
- Supported countries by region, and whether each currency pays out, collects, or both. Payments in local currency convert to and from USD en route. Services are not available in OFAC-sanctioned or otherwise restricted countries.
Frequently asked questions
Which currencies can Infinite send and collect?
USD moves over ACH, Fedwire, and RTP, and by SWIFT wire to and from major corridors. Published local-currency corridors settle GBP, EUR, MXN, and BRL, and collections in those currencies land in USD.
Which blockchains does Infinite support for stablecoins?
USDC settles on Ethereum, Base, Polygon, Solana, Stellar, and Celo; USDT settles on Ethereum, Base, Polygon, Solana, Stellar, Celo, and Tron. Whichever network a transfer uses, you call the same payments API, and the counterparty is screened before funds move.
Can USDC or USDT move between networks?
Yes. Same-asset bridging moves USDC between Ethereum, Solana, Arbitrum, Base, and Polygon; USDT between Ethereum, Tron, Arbitrum, Polygon, and Solana. The asset stays the same on the new network, with no conversion. Confirm the network with your counterparty before sending: the same asset on two networks is two different balances.
Can we collect local currency, or only USD?
Yes, in GBP, EUR, MXN, and BRL, and the collection lands in USD: the payer sends local currency on its local rail, and it converts en route, quoted on the payment object. Accounts are denominated in USD today; inbound local-currency collection is corridor-specific.
Can businesses onboard from every market on this page?
Not necessarily: onboarding and payments have different reach. Businesses onboard from the United States and the further markets listed under Supported markets, and payments reach further, over the rails on this page. Within those markets, eligibility is reviewed case by case.
What if a currency or corridor is not listed?
USD wires still reach major SWIFT corridors. Bring the currency, the country, and the direction you need to a demo, and the team will confirm what is published for your flow.
Bring the corridors you need.
Thirty minutes on your currencies and counterparties: the rail each payment would take.
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