---
title: "Third-party funds flow"
description: "Third-party funds flow is the model in which a platform moves its customers’ money: payouts, disbursements, and balances, each customer in a dedicated account."
author: "Nikhil Srinivasan, Cofounder & CEO"
updated: "2026-11"
canonical: "https://infinite.net/resources/learn/glossary/third-party"
---

# Third-party funds flow

Third-party funds flow moves customer money: payouts, disbursements, and balances. On Infinite (infinite.net), 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.

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.

## Where it fits on Infinite

- [Compliance OS](https://infinite.net/agents/compliance-os)
- [Global Neobanks](https://infinite.net/industries/global-fintechs)
- [Global Bulk Payouts](https://infinite.net/solutions/global-mass-payouts)

## See also

- [First-party funds flow](https://infinite.net/resources/learn/glossary/first-party.md)
- [Third-party cross-border payments](https://infinite.net/resources/learn/glossary/third-party-crossborder.md)
- [Demand deposit account (DDA)](https://infinite.net/resources/learn/glossary/demand-deposit-account.md)