---
title: "Infinite vs Currencycloud: how do they compare?"
description: "How Infinite compares with Currencycloud: 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-currencycloud"
---

# Infinite vs Currencycloud: 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 Currencycloud across the criteria below; every cell in Currencycloud’s column was verified against Currencycloud’s own public documentation on August 9, 2026, with its source shown beneath it.

## Comparison

| Criterion | Infinite | Currencycloud |
| --- | --- | --- |
| **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. | Currencycloud states its transaction monitoring screens “all transactions into and out of the Currencycloud ecosystem” in real time before funds credit or payments are submitted, plus retrospective monitoring, with alerts manually reviewed by a compliance specialist and requests for information sent to clients. Its docs split KYC by client type: regulated clients perform their own due diligence on end customers, while for unregulated clients “we, Currencycloud, own the direct relationship with your end customer and we undertake the onboarding/KYC.” |
| **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. | Regulated clients create end-customer sub-accounts via API once their own KYC processes are complete; for unregulated clients Currencycloud undertakes end-customer onboarding itself, and a beta Onboarding API lets integrators collect applications in their own forms and submit them for Currencycloud’s decision, with webhook events signalling the outcome. Review or decision timelines, for end-customer KYC decisions or business onboarding review, are not published in its documentation as of the verification date. |
| **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. | Its webhook catalog includes compliance-state events (payment failed, payment compliance failed, end-client application submitted and decisioned, and bank account verified), delivered with up to five retries. For inbound-funds screening, its docs give the client 23.5 hours from the pending-transaction notification to accept or reject the inbound transaction (the client’s response window), with documented reasons such as sanctioned match or suspected fraud. |
| **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. | Clients operate a house account with named sub-accounts per end customer that can hold multi-currency wallets, funded through virtual account details returned by its funding-accounts endpoint. As an e-money institution it states client funds are separated into segregated safeguarding accounts at credit institutions. |
| **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. | One integration spans collections, FX conversion across the 36 currencies in its published cutoff tables (a few restricted to buy-only), and payouts as regular local payments or priority SWIFT payments; documented local collection rails include SEPA, ACH and Fedwire, UK Faster Payments, and Canadian EFT. It publishes collections from 180+ countries and territories and SWIFT payments to over 212 countries; no stablecoin rails appear in its public documentation as of the verification date. |
| **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. | Its docs state regular (local, non-priority) payments are normally received by beneficiaries within five working days of the settlement date, and that priority payments over SWIFT typically arrive within one working day. FX conversions created before the published per-currency cutoff times settle the same day, with payments processed first-in, first-out on the specified payment date provided the client holds enough of the relevant currency. |
| **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. | A public REST API reference organized by collect, convert, manage, and pay, self-serve sandbox access with an emulate-inbound-funds test endpoint, configurable webhooks with documented retry and versioning behavior, and SDKs published on GitHub, alongside a non-API platform (Currencycloud Direct) and a branded-partner option. |
| **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. | Its regulation page lists The Currency Cloud Limited (FCA-authorised e-money institution, also FINTRAC-registered in Canada), Currencycloud B.V. (DNB e-money authorisation), Currencycloud Pte Ltd (MAS major payment institution), Visa Global Services Inc. (US state money-transmitter licenses, NMLS 181032), and Visa Australia Services Pty Ltd (ASIC authorisation for wholesale clients). Its permitted-jurisdictions page gates where clients and their customers may be based by client type (unregulated clients are limited to a narrower list than regulated ones), alongside a published restricted-countries list. |

### 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
- Currencycloud, Compliance model: support.currencycloud.com, transaction-monitoring guidance, developer.currencycloud.com, sub-account activity, permitted-jurisdictions article (verified 2026-08-09)
- Currencycloud, Onboarding: developer.currencycloud.com: sub-account activity, onboarding-api-pilot, push-notifications (verified 2026-08-09)
- Currencycloud, Data access: developer.currencycloud.com, push-notifications, collections guide (verified 2026-08-09)
- Currencycloud, Account primitives: developer.currencycloud.com, sub-account activity, collections guide; support.currencycloud.com, safeguarding funds (verified 2026-08-09)
- Currencycloud, Rails coverage: support.currencycloud.com, currencies, collecting funds worldwide; developer.currencycloud.com, collections, make-simple-payments (verified 2026-08-09)
- Currencycloud, Settlement: developer.currencycloud.com, make-simple-payments; support.currencycloud.com, FX timelines (verified 2026-08-09)
- Currencycloud, Developer surface: developer.currencycloud.com, developer.currencycloud.com, push-notifications; currencycloud.com (verified 2026-08-09)
- Currencycloud, Jurisdiction coverage: currencycloud.com/legal/regulation, support.currencycloud.com, permitted jurisdictions, restricted countries (verified 2026-08-09)

Last updated August 9, 2026