---
title: "Infinite vs Conduit: how do they compare?"
description: "How Infinite compares with Conduit: compliance model, accounts, rails, settlement, developer surface, and jurisdictions, cited against public documentation."
updated: "2026-08-09"
canonical: "https://infinite.net/resources/learn/insights/compare/infinite-vs-conduit"
---

# Infinite vs Conduit: how do they compare?

Infinite is the global financial network built on a compliance system of intelligence: one API for dedicated bank accounts at bank partners, payments across SWIFT, US rails, stablecoins, and FX, and network-wide counterparty review. This page compares Infinite and Conduit across the criteria below; every cell in Conduit’s column was verified against Conduit’s own public documentation on August 8, 2026, with its source shown beneath it.

## Comparison

| Criterion | Infinite | Conduit |
| --- | --- | --- |
| **Compliance model**: Who runs KYC/KYB, sanctions screening, and transaction monitoring, and whether counterparty review repeats for every relationship. | KYC/KYB, sanctions screening, and ongoing transaction monitoring run under Infinite’s compliance program. Review is network-wide: a counterparty vetted once is vetted for every business on the network. | Conduit onboards businesses through a hosted KYB link or direct API onboarding, with Conduit’s compliance team performing review and activation. Customer and per-transaction compliance states, including missing-information and in-compliance-review, surface via API and webhooks, and its site states Conduit “handles KYB/AML, transaction monitoring, and regulatory compliance by default.” |
| **Onboarding**: How customers actually get live: who collects what, in whose brand, and how long first-time review takes. | Customers onboard through hosted whitelabel flows in your brand or headless via API: Infinite runs the KYC, KYB, and screening underneath. Full first-time counterparty review closes in 1–2 days, versus the roughly 30 days such review typically takes industry-wide under one-off, per-relationship manual processes. | Businesses onboard through a hosted KYB link completed in the browser or by direct API submission, moving through four documented phases: registration, control persons at 25%+ ownership with per-person liveness checks, document verification, and review and activation by Conduit’s compliance team. |
| **Data access**: What your systems can see about compliance state: review and RFI states, reasons, and the audit trail behind decisions. | Compliance reviews and requests for information are explicit states your systems can query and subscribe to, with webhooks for every state change and every case assembled and documented before an analyst opens it. Decisions are auditable. | Customer states, including Missing Information and in-compliance-review, and per-transaction compliance states (in review, approved, rejected) surface via API and 28 webhook event types with signature verification, and the sandbox can simulate KYB and compliance-status transitions for testing. |
| **Account primitives**: What the customer actually holds: a dedicated bank account, a virtual sub-ledger on a pooled account, or a wallet. | Dedicated demand deposit accounts (DDAs) established at Infinite’s bank partners, unique to each customer with their own account and routing numbers, offered as USD bank accounts and Wallet Accounts (stablecoin custody); a Deposit Account is coming soon. | Named virtual accounts (“a full-featured USD, EUR, or GBP bank account” openable in the platform’s or the customer’s name, with EUR and GBP in early availability) issued through licensed banking partners. Each customer links to exactly one USD virtual account; the underlying account structure is not specified in Conduit’s public docs. |
| **Rails coverage**: Which payment rails one integration reaches: US bank rails, SWIFT, stablecoins, and FX. | ACH, Fedwire, RTP, SWIFT, and stablecoin transfers (USDC, USDT, OUSD, USDG) from the same account, plus FX across GBP, EUR, MXN, and BRL, with Transfer Routes selecting the rail per corridor. | Docs list USD, EUR, GBP, BRL, and MXN for pay-in and payout plus COP payouts, over rails including Fedwire, SWIFT, SEPA, Pix, TED, and SPEI; its site states support for 15 fiat currencies and 100+ countries. Stablecoins in the docs are USDC, USDT, and RLUSD across six chains, with FX executed on time-limited quotes. |
| **Settlement**: When funds actually arrive, including nights, weekends, and rail cutoffs. | Stablecoin transfers settle 24/7, weekends and bank holidays included. USD payments past the ACH cutoff can route to RTP the same day; most SWIFT wires settle same day to two business days once released. | Conduit’s homepage publishes per-rail settlement times: instant for Pix, SEPA Instant, FedNow, RTP, SPEI, and stablecoin transfers; 0–4 hours for Fedwire; 0–8 hours for SWIFT, with the caveat that speed may vary with recipient banks and network conditions. FX quotes expire after 180 seconds. |
| **Developer surface**: The API, webhooks, hosted flows, and dashboard an engineering and operations team works with. | One typed payments API across every rail, webhooks for every state change, hosted onboarding flows (in your brand or headless via API), and an operations dashboard. Developer documentation at docs.infinite.net. | Public REST API reference with versioning and an OpenAPI spec, quickstarts, a Postman collection, idempotency support, a sandbox that simulates deposits, KYB, and compliance-state changes, and webhooks across 28 event types with signature verification, plus a no-code treasury dashboard and hosted KYB onboarding links. |
| **Jurisdiction coverage**: Where the provider operates and onboards customers, and under what licensing or partner structure. | Businesses onboard from the United States and the further markets listed at infinite.net/solutions/embedded#supported-markets; payments reach further over SWIFT, with local rails in EUR, GBP, MXN, and BRL. Services are not available in OFAC-sanctioned or otherwise restricted countries, and accounts are provided through a bank partner. | Conduit Technology, Inc. is FinCEN-registered as a Money Services Business, and its Canadian affiliate is FINTRAC-registered and a Bank of Canada-registered payment service provider. Its site states onboarding from 100+ countries in supported and enhanced-due-diligence tiers; service is business-only, and state money transmitter licenses or EU/UK authorizations are not claimed in its public materials as of the August 2026 verification. |

### Sources

- Infinite, Compliance model: /accounts/managed, /solutions/embedded
- Infinite, Onboarding: /agents/embedded-compliance, /agents/compliance
- Infinite, Data access: docs.infinite.net, /resources/funds-flow/third-party, /agents/compliance
- Infinite, Account primitives: /accounts/managed, /accounts/wallets
- Infinite, Rails coverage: /payments/usd, /payments/stablecoins, /payments/fx, /accounts/routes
- Infinite, Settlement: /payments/stablecoins, /payments/usd, /payments/swift
- Infinite, Developer surface: docs.infinite.net, /accounts/managed, /agents/embedded-compliance
- Infinite, Jurisdiction coverage: /solutions/embedded, /payments/swift, /payments/fx, /accounts/managed
- Conduit, Compliance model: docs.conduit.financial/core-concepts/customers, docs.conduit.financial/developer-sections/webhooks, conduitpay.com (verified 2026-08-08)
- Conduit, Onboarding: docs.conduit.financial/core-concepts/customers, docs.conduit.financial/guides/compliance-requirements (verified 2026-08-08)
- Conduit, Data access: docs.conduit.financial/developer-sections/webhooks, docs.conduit.financial/developer-sections/setting-up-sandbox (verified 2026-08-08)
- Conduit, Account primitives: docs.conduit.financial/core-concepts/virtual-accounts, conduitpay.com/blog/multi-currency-virtual-accounts (verified 2026-08-08)
- Conduit, Rails coverage: docs.conduit.financial/guides/supported-assets, docs.conduit.financial/core-concepts/payment-methods, conduitpay.com (verified 2026-08-08)
- Conduit, Settlement: conduitpay.com, docs.conduit.financial/core-concepts/quotes (verified 2026-08-08)
- Conduit, Developer surface: docs.conduit.financial/developer-sections/setting-up-sandbox, docs.conduit.financial/developer-sections/webhooks (verified 2026-08-08)
- Conduit, Jurisdiction coverage: conduitpay.com/terms-mta, conduitpay.com, docs.conduit.financial/guides/compliance-requirements (verified 2026-08-08)

Last updated August 9, 2026