Raj Lad
Founder and CTO of Infinite. Writes about how stablecoin payments are built, screened, and settled.
About Raj
Raj Lad is the founder and CTO of Infinite, the global financial network for stablecoin payments. Before Infinite he led payments engineering at Sardine and took its first virtual account product to market. He studied engineering at the University of Waterloo.
Written by Raj.
BylineHow do stablecoin payments work for businesses?
Guide: How businesses send and receive stablecoin payments: how a transfer is created, screened, and settled in minutes, and what you don’t need to build.
How to integrate stablecoin payments without holding crypto
Guide: How businesses add stablecoin payments with bank-owned wallets instead of self-custody: onboarding, accounts, screening, and settlement to fiat.
Settlement finality is a compliance property
Insight essay: Rails that are final in minutes change reconciliation, treasury, and audit. Why settlement finality belongs on the compliance agenda, not just the treasury one.
What to look for in an agentic payment platform
Insight essay: Rankings of agentic payment platforms miss the only scenario that matters: the agent is wrong. Five properties decide whether that is an incident or a non-event.
How to choose a mass payout provider
Insight essay: Mass payout providers differ on what demos can't show: recipient vetting, what a failed payout costs, when settlement is final, and the all-in per-recipient price.
How to evaluate stablecoin payment infrastructure
Insight essay: Five criteria for evaluating stablecoin payment infrastructure, and why where compliance lives, in the data model or bolted around it, decides the rest.
FX without the correspondent chain
Insight essay: Most of what businesses call FX cost is the correspondent chain, not the rate. How conversion at the edges of stablecoin rails makes the all-in price knowable.
What stablecoin cards are for
Insight essay: A stablecoin card solves acceptance: a stablecoin balance becomes spendable anywhere cards work. It does not change how businesses settle: that split is the point.
Glossary terms
All 12 definitions under this byline, in the payments glossary.
The rest of the library
5 more pieces under this byline across guides, insight essays, and the blog.
Answers before you ask
FAQWho is Raj Lad?
Raj Lad is the founder and CTO of Infinite, the global financial network for stablecoin payments. Before Infinite he led payments engineering at Sardine and took its first virtual account product to market.
What does Raj write about?
Integration, settlement mechanics, and payment APIs: how stablecoin payments are built, screened, and settled. This page lists every guide, insight essay, glossary term, and blog post published under his name on infinite.net. Currently 2 Learn guides, 11 insight essays, and 12 glossary terms.
Where did Raj work before Infinite?
He led payments engineering at Sardine, where he took its first virtual account product to market. He studied engineering at the University of Waterloo.
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