Third-party funds flow
Third-party funds flow moves customer money: payouts, disbursements, and balances. On Infinite, every customer whose funds move gets a dedicated account of their own at a bank partner, a USD bank account or a stablecoin wallet, kept apart from the platform’s books. Infinite runs onboarding, screening, and monitoring in the platform’s brand, with human-approved policy governing outcomes and judgment calls routed to human review.
By Nikhil Srinivasan, Cofounder & CEO
Regulators require customer-level diligence when a platform moves customer funds. Infinite runs KYC and KYB on each customer, screens sanctions and watchlists on both sides of every payment before funds move, and monitors continuously under human-approved policy. The bank partner reviews the files under its own program and keeps final authority.
Each customer holds a real account: a bank account at a bank partner, with its own account and routing numbers, or a wallet account for stablecoins. A counterparty vetted once is vetted for the whole network, so first-time compliance review can drop from weeks to days. Platforms that only move their own money use first-party funds flow instead.
Frequently asked questions
Who holds the banking relationships behind the accounts?
The bank partner does. Each customer’s USD bank account or stablecoin wallet is a dedicated account at the bank partner, kept apart from the platform’s books. Infinite operates the network and the compliance program.
What compliance work does Infinite take on?
Onboarding, screening, monitoring, and audit-ready case files, with human-approved policy governing outcomes and judgment calls routed to human review. Infinite operates the review; the bank partner reviews the files under its own program and keeps final authority.
How do customers get onboarded?
Through whitelabel KYC and KYB flows in the platform’s brand, from Compliance OS. A customer vetted once on Infinite is vetted for the whole network and is not re-vetted from scratch for a later payment.
See it on your own flows.
A 30-minute walkthrough of a live account and the screening record behind each payment.
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