Third-party cross-border payments
A third-party cross-border payment moves customer money from one country to another. On Infinite, each customer is onboarded with a dedicated account at a bank partner, a USD bank account or a stablecoin wallet. Both sides of the payment are screened before funds move, and conversion, when it is needed, happens inside the network rather than through a separate exchange account the platform has to operate.
By Nikhil Srinivasan, Cofounder & CEO
The platform’s customer is verified with KYC and KYB in the platform’s brand, then receives a real account at a bank partner, kept apart from the platform’s books. When that customer pays a counterparty abroad, Infinite screens both sides, holds a flagged transfer for human review, and then moves the funds on the rail Transfer Routes selects: SWIFT, US rails, stablecoins, or FX.
Fiat can become a stablecoin, or the reverse, as a leg under the payment, with mint and burn inside the network and one reconciled ledger. This is the cross-border shape of third-party funds flow; the broader model, including account types and ongoing monitoring, lives in that entry.
Frequently asked questions
Who holds the customer’s funds in a cross-border payment?
A bank partner holds the customer’s dedicated account, a USD bank account or a stablecoin wallet, apart from the platform’s books. Infinite operates the network, the compliance program, and the payment itself.
Is there an exchange in the middle of conversion?
No. Conversion happens inside the network: the customer funds in one currency, the recipient is paid in another, and any stablecoin leg runs underneath without a separate exchange account the platform has to operate.
Are both sides screened on a cross-border payment?
Yes. Counterparties are screened on inbound and outbound payments across SWIFT, US rails, stablecoins, and FX, and flagged transfers stop for human review under human-approved policy before funds move.
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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