---
title: "Infinite vs Keyrails: how do they compare?"
description: "How Infinite compares with Keyrails: 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-keyrails"
---

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

## Comparison

| Criterion | Infinite | Keyrails |
| --- | --- | --- |
| **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. | Keyrails’ client terms state customers agree to provide all company and personal data required for its verification and screening requirements, with platform access subject to compliance with its AML/CTF program and financial services provided through regulated and licensed partners and third-party providers. Its onboarding API also collects compliance declarations from the business itself: sanctions and negative-news screening, KYC performance, and transaction-monitoring usage. |
| **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. | Two documented paths: a five-step customer API flow (create customer, add associated persons and entities, upload documents, submit) and hosted onboarding links completing a prebuilt flow, with approval or rejection delivered by webhook. Its docs state supporting documents expedite the compliance check but publish no review or decision timeline on any clock as of the verification date, and customer onboarding is noted as currently unavailable for US residents. |
| **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. | Four webhook resource types (identity, document, transaction, and external account), signed with HMAC-SHA256 and retried with backoff, with identity payloads carrying compliance status and rejection reasons and transaction webhooks carrying status, type, and transaction hash. A request-for-information state and the audit trail behind compliance decisions are not described in its public documentation as of the verification date. |
| **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 are issued after customer approval with the customer as account owner, accepting USD over Fedwire and SWIFT, with USD deposits settled into the customer’s USDC wallet; per-customer wallets hold USDC and USDT, and external accounts register bank beneficiaries. Its terms state Keyrails US Inc does not provide financial services (services come through regulated partners), while Keyrails Swiss GmbH is described as providing cross-border payment, VASP, exchange, and custody services. |
| **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. | Its site states Keyrails is a SWIFT member (BIC KEYRCA62) offering payments on behalf of customers to 170+ countries in USD, 100+ countries in USD plus local currency, and 65+ local currencies. Its docs enumerate domestic USD via Fedwire; SWIFT settlement currencies EUR, GBP, AUD, CNY, SGD, JPY, NZD, CHF, and HKD; and stablecoins USDC (Ethereum) and USDT (Ethereum, Tron) active with further chains marked coming soon, plus FX via exchange-rate and trade-quote endpoints. |
| **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 site states high-value trade payments across 100+ markets settle “in hours, not days,” listing same-day execution. Its API docs track transfers through new, processing, completed, and failed states (compliance review occurs during processing, and its docs state supporting documents expedite it), with no cutoff times or per-corridor delivery windows published as of the verification date. |
| **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 integration guides and a full REST API reference covering customers and KYB, wallets, virtual accounts, external accounts, transfers, trades, and exchange rates, plus a changelog and an llms.txt index. A sandbox at api.sandbox.keyrails.com includes simulation endpoints to mint test USDC, change customer status, and simulate USD deposits, alongside HMAC-signed webhooks and hosted 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. | Its site footer lists Keyrails Inc. as a registered Payment Service Provider with the Bank of Canada under the Retail Payment Activities Act, with FINTRAC MSB and US FinCEN MSB registrations; Keyrails US Inc is described as a Delaware technology company that does not provide financial services, and Keyrails Swiss GmbH is a VQF SRO member under the Swiss Anti-Money Laundering Act. Its docs state customer onboarding is currently unavailable for US residents 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
- Keyrails, Compliance model: assets.keyrails.com client terms and conditions (PDF), docs.keyrails.com/docs/onboard-customer (verified 2026-08-09)
- Keyrails, Onboarding: docs.keyrails.com/docs/onboard-customer, docs.keyrails.com/docs/onboarding-links-for-new-customers (verified 2026-08-09)
- Keyrails, Data access: docs.keyrails.com/docs/webhooks-overview, docs.keyrails.com/docs/events (verified 2026-08-09)
- Keyrails, Account primitives: docs.keyrails.com/docs/virtual-account-details, docs.keyrails.com/docs/crypto-wallet, assets.keyrails.com client terms and conditions (PDF) (verified 2026-08-09)
- Keyrails, Rails coverage: keyrails.com, docs.keyrails.com/docs/settlement-currencies, docs.keyrails.com/docs/stablecoins-and-blockchains (verified 2026-08-09)
- Keyrails, Settlement: keyrails.com, docs.keyrails.com/docs/swift-payment, docs.keyrails.com/docs/domestic-usdfedwire (verified 2026-08-09)
- Keyrails, Developer surface: docs.keyrails.com, docs.keyrails.com/docs/authentication, docs.keyrails.com/docs/webhooks-overview (verified 2026-08-09)
- Keyrails, Jurisdiction coverage: keyrails.com, assets.keyrails.com client terms and conditions (PDF), docs.keyrails.com/docs/onboard-customer (verified 2026-08-09)

Last updated August 9, 2026