Frequently asked questions
Direct answers to the questions we hear most — grouped by topic, each linked to the page that covers it in full.
Infinite (infinite.net) is the compliance network that makes stablecoins work for global business; the more companies that connect, the faster and cheaper every dollar moves. This page collects direct answers to the questions we hear most — about the accounts, the payment rails, the compliance program, and the network — each linked to the page that answers it in full.
About Infinite
What is Infinite?
Infinite is the compliance network that makes stablecoins work for global business; the more companies that connect, the faster and cheaper every dollar moves. One API for real bank accounts, payments across SWIFT, US rails, stablecoins, and FX, and compliance — with first-time counterparty review dropping from ~30 days to 1–2 days on the network.
Is Infinite a bank?
No. Infinite Agents, Inc. is a financial technology company, not an FDIC-insured bank. Banking services, including deposit accounts, are provided by Erebor Bank, N.A., Member FDIC.
What is Infinite Accounts?
Infinite Accounts are the account products issued through Infinite’s partner banks: the Managed Account (a unique managed DDA per customer), the Deposit Account (yield-bearing DDAs), and the Wallet Account (bank-owned stablecoin wallets) — all with the same onboarding, screening, and reconciliation.
What types of businesses typically use Infinite?
Our customers range from early-stage startups to established fintechs, payroll platforms, marketplaces, and even traditional banks. Whether you’re sending contractor payments, building a global marketplace, or managing treasuries, Infinite is built to scale with you.
Can I integrate Infinite with just the API?
You can choose either the API or our SDK. Our REST API gives you full control, while our SDKs make it simple to embed payment and identity flows directly into web or mobile apps in minutes.
How do I get started with Infinite?
Developers can sign up and start building right away using our API and SDKs. For businesses, our team provides onboarding support to ensure your payments and compliance needs are fully covered.
Is Infinite secure?
Yes. We partner with top custody and compliance providers, encrypt all data, and meet industry best practices for financial infrastructure. Security and reliability are at the heart of our platform.
Compliance
What compliance infrastructure does Infinite provide?
Infinite is built with compliance at its core. We provide embedded CIP/KYC, AI agents, transaction monitoring, case management, and reporting tools so you can confidently meet local regulatory requirements.
Will stablecoin payments pass our compliance review?
That is the design goal. Every counterparty is screened before funds move, flagged transfers stop for human review, and every decision is documented. Your BSA officer can pull the screening record behind any transfer.
Who makes the final decision on a compliance case?
A human analyst, every time. There is no configuration in which the AI approves, rejects, or closes a case on its own, and every decision is recorded with the analyst’s identity.
Do we need our own KYC or KYB vendor?
No. Verification, screening, and monitoring are built into Hosted Flows. If you already run a vendor, we can discuss how your existing data fits 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.
Accounts and custody
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 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.
What does “bank-owned wallet” mean?
The wallet is established and controlled by a regulated bank rather than by you or your customer. Your customer holds the balance; the bank holds the wallet and its keys. The precise ownership and custody terms for your program are documented in your program agreement.
Who holds the private keys?
Key management stays entirely inside the bank’s custody infrastructure. Neither you, your customers, nor your dashboard users ever hold or handle keys.
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.
Payments and rails
How is Infinite different from wires, ACH, or SWIFT?
Infinite doesn’t replace them — ACH, SWIFT, SEPA, FX, and stablecoin networks sit behind one API, and each transfer routes over the fastest compliant path. Payments that took days settle in seconds.
How fast are payments?
Most payments settle within minutes, even across borders. Compared to SWIFT or ACH transfers that can take days, Infinite offers a dramatically faster experience.
Which countries and currencies does Infinite support today?
Infinite supports same-day settlement in over 170 countries with local fiat rails and global stablecoins like USDC, USDT, OUSD, and USDG. We’re continuously expanding our network to cover new regions and currencies.
Do I need to hold crypto to use Infinite?
No. Infinite abstracts away the complexity of crypto. You can fund and settle payments in your local currency, while Infinite’s technology & partners handle the stablecoin conversion and routing in the background.
What stablecoins does Infinite support?
We currently support leading USD-denominated stablecoins such as USDC, USDT, OUSD, and USDG, and are actively adding support for additional regulated stablecoins.
How do I pick the right USD rail?
As a rule: ACH for cost, Fedwire for large amounts with same-day finality, RTP for instant delivery around the clock. Or skip the decision — pass rail: "auto" and Transfer Routes chooses from amount, urgency, and cutoff.
How long does a SWIFT wire take?
Once released, most wires settle same day to two business days depending on corridor and cutoff. Instead of waiting on a bank trace, you see every state change via webhook. When speed matters more than the rail, Transfer Routes can pick a faster path automatically.
Do I choose the rail for each payment?
By default, no — that is the point. You describe the payment and routing selects the path. When policy requires a specific rail, you can pin one on the request and routing constrains itself to it.
Payments and compliance definitions
One-line answers from the payments glossary in Infinite Learn — every term has a full page with a direct answer up top.
What is a stablecoin?
A cryptocurrency designed to hold a stable value by pegging to another asset — usually the US dollar — and backed one-for-one by reserves.
What is a demand deposit account (DDA)?
A bank account whose funds can be withdrawn on demand — the standard operating account for businesses in the US.
What is Know Your Business (KYB)?
The verification of a business customer — legal existence, beneficial owners, and sanctions screening — before providing financial services.
What is the Bank Secrecy Act (BSA)?
The primary US anti-money-laundering law, requiring financial institutions to run AML programs, keep records, and report suspicious activity.
What is correspondent banking?
The arrangement where one bank holds accounts and executes payments for another, enabling cross-border transfers between banks with no direct relationship.
What is SWIFT?
The global messaging network banks use to send payment instructions across borders — the message layer behind international wires.
What is ACH?
The US batch payment network for bank-to-bank transfers — low cost, high volume, settling in same-day or next-day windows.
What is Fedwire?
The Federal Reserve’s real-time gross settlement system — same-day, irrevocable USD transfers for high-value payments.
What is RTP?
The Clearing House’s real-time payments network — instant, final USD credit transfers up to $10 million, available 24/7/365.
What is FX settlement?
The exchange of the two currencies that completes a foreign-exchange trade — where cross-currency payments incur cost, delay, and settlement risk.
What is a money transmitter?
A business that accepts and transmits funds on behalf of others — a regulated activity requiring state licenses and federal registration in the US.
What is a virtual account?
A sub-account reference layered on one real bank account, used to segregate and reconcile funds without opening separate accounts.
What is Travel Rule?
The requirement that identifying information about the sender and recipient travel with a funds transfer — extended by FATF to virtual-asset transfers.
What is AML transaction monitoring?
The ongoing screening of customer transactions against risk rules and behavioral patterns to detect and report suspicious activity.
What is Sanctions screening?
Checking customers, counterparties, and payments against government sanctions lists — such as OFAC’s SDN list — before funds are allowed to move.
What is Virtual asset service provider (VASP)?
FATF’s term for a business that exchanges, transfers, or safekeeps virtual assets for customers — regulated for AML like other financial institutions.
What is Pass-through deposit insurance?
FDIC coverage that extends through a custodial account to the underlying owners of the funds, when the FDIC’s pass-through conditions are met.
What is Stablecoin settlement?
The completion of a payment by transferring stablecoins on-chain — final in minutes, at any hour, with no batch cycles or banking-hours dependency.
What is Payment orchestration?
Coordinating multiple payment rails, providers, and currencies behind a single integration — routing each payment by speed, cost, and availability.
What is Stablecoin payment processor?
A provider that handles stablecoin payments end to end for businesses — accounts, conversion, screening, and settlement behind one API.
What is On-ramp and off-ramp?
The conversion points between fiat and digital assets — an on-ramp turns dollars into stablecoins, an off-ramp turns stablecoins back into dollars.
What is Routing number?
The nine-digit code that identifies a US financial institution on payment rails — it tells ACH, Fedwire, and check systems where an account lives.
What is Virtual accounts vs real accounts?
A virtual account is a reference over one pooled bank account; a real account is individually titled at the bank. The difference is whose money the bank sees.
Virtual accounts vs real accounts — full glossary definition
What is FBO account?
A custodial bank account titled "for the benefit of" a company’s customers — one pooled account holding funds the platform manages on their behalf.
What is Pooled account?
A single bank account holding funds belonging to many customers, tracked in the holder’s own sub-ledger rather than at the bank.
What is Mint and burn?
How stablecoin supply tracks its reserves — issuers mint new tokens when dollars come in and burn tokens when dollars are redeemed.
What is SWIFT gpi?
SWIFT’s payments service standard adding end-to-end tracking, fee transparency, and confirmation of credit to cross-border payments.
What is Same Day ACH?
The ACH network’s faster processing option — eligible payments submitted before daily cutoffs settle in same-day windows instead of next-day.
What is T+0 settlement?
Settlement on the trade or payment date itself — funds change hands the same day, with no waiting period.
What is Money services business (MSB)?
FinCEN’s registration category for nonbank businesses that transmit or convert money — required to register federally and run a BSA/AML program.
What is BSA/AML program?
The anti-money-laundering program the Bank Secrecy Act requires — internal controls, a designated officer, training, independent testing, and customer due diligence.
What is OFAC?
The US Treasury’s Office of Foreign Assets Control — the agency that administers sanctions and publishes the SDN list.
What is Enhanced due diligence (EDD)?
The deeper level of customer review applied to higher-risk relationships — more documentation, source-of-funds checks, and closer ongoing monitoring.
What is Politically exposed person (PEP)?
Someone entrusted with prominent public functions — senior officials, their close family and associates — treated as higher-risk in AML programs.
What is Reserve attestation?
An independent accountant’s report verifying that a stablecoin issuer’s reserves matched the tokens in circulation as of a point in time.
What is Know Your Customer (KYC)?
The verification of an individual customer’s identity — who they are, checked against watchlists — before providing financial services.
What is Suspicious activity report (SAR)?
The confidential report a financial institution files with FinCEN when it detects potentially suspicious transactions or activity.
What is Wire transfer?
A bank-to-bank payment sent individually rather than in a batch — same-day, typically irrevocable, used for high-value transfers.
What is Beneficial owner?
The individual who ultimately owns or controls a legal entity — identified and verified during KYB under FinCEN’s due-diligence rules.
What is Stablecoin card?
A debit or prepaid card funded by a stablecoin balance — the issuer converts stablecoins to fiat at the point of sale, so merchants receive ordinary currency.
What is Agentic payments?
Payments initiated by AI agents rather than people — screened, bounded, and documented so software can move real money a compliance team can defend.
What is Agent compliance?
The controls that keep AI-agent payments inside a compliance program — a verified principal, screening on every instruction, and a record for every transfer.
What is Wallet account?
An account that holds stablecoin balances alongside fiat — custody handled by the provider, so businesses move digital dollars without managing keys.
What is Cold storage?
The practice of holding digital assets with private keys kept offline — out of reach of the internet, and of any automated system that could be compromised.
What is Agent spending limits?
Caps on what an AI agent may pay — per transaction, per day, or per month — enforced at the account layer rather than inside the agent’s own code.
What is Human-in-the-loop approval?
A control that holds an automated payment until a named person reviews it — the escalation path when an agent’s instruction breaches a limit or trips monitoring.
What is Model Context Protocol (MCP)?
An open standard that lets AI agents and assistants connect to external tools and data — including payment APIs — through one common interface.
What is Agent authorization?
The scoped, revocable grant that lets an AI agent act on a person’s or business’s money — defining what it may do and how much it may move.
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