Are stablecoin payments compliant for B2B?
By Krisan Nichani, Chief Compliance Officer
What do the rules actually require?
For a compliance team, a stablecoin payment raises the same questions as any payment: who is the counterparty, where did the funds come from, and where are they going. In the US, the framework that turns those questions into obligations is the Bank Secrecy Act (BSA): a written AML program, verified and documented customers, transaction records, and reports to the government, including suspicious activity reports (SARs), with a designated BSA officer accountable for the program.
The BSA never requires reviews to be slow; it requires them to be complete and documented. That distinction is what separates a compliant stablecoin program from a fast one that fails its first exam.
Who is on the other side of the payment?
Business counterparties are verified through Know Your Business (KYB) review: confirming the company legally exists, identifying the people who ultimately own or control it (generally beneficial owners holding 25% or more), and screening the entity and those individuals against sanctions and watchlists, performed by US institutions under FinCEN’s Customer Due Diligence rule.
This is where stablecoin payments usually stall in practice: not the transfer, which takes minutes, but the first-time review of a new counterparty, which can run weeks when every institution starts the file from scratch.
What does screening look like on the rail itself?
On Infinite, screening sits in the payment path rather than after it: every counterparty is screened before funds move, inbound and outbound, and flagged transfers stop for human review. Each transfer is sub-ledgered with its screening record attached, exportable for auditors and regulators, so stablecoin payments run with screening and documentation built in, not bolted on.
Human-approved policy governs every outcome, and cases that require judgment go to named analysts. Case preparation is automated (Infinite Agents assemble and document the case before an analyst opens it), but the AI never approves, rejects, or files a report, and every step it takes is logged in the case file.
Do you need a license to send stablecoin payments?
It depends on whose money you are moving. A business paying its own suppliers is in a different position from a platform moving money for its customers. The second activity can constitute money transmission, a regulated activity generally requiring state licenses plus FinCEN registration. Whether a given flow is transmission is a legal question that turns on who holds the funds, in whose name, and under whose control. Get counsel involved early.
For platforms, Infinite’s third-party funds flow is built for this problem: every customer gets their own account, with onboarding, screening, and monitoring run on the network. How that maps to your licensing posture depends on your structure; the team walks through it in diligence, with documentation your counsel can review. 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. FDIC deposit insurance covers the failure of an FDIC-insured bank and does not protect against the failure or insolvency of Infinite Agents, Inc. or any non-bank entity. Funds held in deposit accounts through the Erebor Bank platform may be eligible for FDIC insurance up to $250,000 per depositor, per insured bank, per ownership category, subject to satisfaction of conditions for pass-through deposit insurance.
Why is compliant faster on a network?
Off-network, the same company gets re-vetted at every institution it touches. On the compliance network, a counterparty vetted once is vetted for every participant, which is why first-time counterparty review drops from roughly 30 days to 1–2 on Infinite. The mechanics are covered step by step in How compliance review works for stablecoin transactions.
Keep reading: How compliance review works for stablecoin transactions, What is the Bank Secrecy Act?, What is Know Your Business (KYB)?
Frequently asked questions
What does the Bank Secrecy Act require for stablecoin payments?
The same program it requires for any payment: a written AML program, verified and documented customers, transaction records, and reports to the government, including suspicious activity reports, with a designated BSA officer accountable. The Bank Secrecy Act requires reviews to be complete and documented, not slow.
Do you need a money transmitter license to send stablecoin payments?
It depends on whose money you move. A business paying its own suppliers is in a different position from a platform moving customer funds; the second can constitute money transmission, generally requiring state licenses plus FinCEN registration. It turns on who holds the funds; involve counsel early.
Does AI make compliance decisions on Infinite?
No. Infinite Agents assemble and document the case before an analyst opens it, but they never approve, reject, or file a report; human-approved policy governs every outcome, judgment calls go to named analysts, and every step the AI takes is logged in the case file.
How long does first-time counterparty review take?
Around 30 days at most institutions, because each one builds the KYB file from scratch. On Infinite’s network, a counterparty vetted once is vetted for every participant, so first-time review drops to 1–2 days, and repeat counterparties clear instantly.
See it on your own flows.
A 30-minute walkthrough of a live account and the screening record behind each payment.
Ask an AI about InfiniteChatGPTClaudePerplexityGemini