---
title: "Infinite vs OpenFX: how do they compare?"
description: "How Infinite compares with OpenFX: 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-openfx"
---

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

## Comparison

| Criterion | Infinite | OpenFX |
| --- | --- | --- |
| **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. | OpenFX states it partners with licensed and regulated entities in each market to handle the AML/KYC and compliance aspects of money movement, performs its own due diligence on senders and receivers, and can integrate with a client’s existing compliance workflows. Further detail on sanctions screening and transaction-monitoring ownership is not specified in its public materials as of the August 2026 verification. |
| **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. | Its FAQ describes business onboarding as sign up, complete the KYC process, and start trading, completing “usually within 72 hours” (OpenFX’s stated clock from onboarding start to first money movement for the business itself). |
| **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. | OpenFX describes “a single, transparent API from quote to settlement,” integrated via APIs, webhooks, and a web platform, and its solutions pages show transaction-lifecycle events (payment.created, compliance.cleared, funds.settled, payout.delivered) surfaced to integrators. Compliance-state payloads beyond these lifecycle events are not detailed in its public materials as of the August 2026 verification. |
| **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 hold multi-currency balances, execute FX conversions, and withdraw to their own bank accounts, managed from a single dashboard. Its FAQ states, as of the August 2026 verification, that OpenFX does not “currently offer named accounts” and is working to add virtual account solutions; custody and safeguarding structure are not described in its public materials as of the August 2026 verification. |
| **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 product pages report 40+ currency pairs and 25+ local rails through one integration, naming SEPA Instant, Faster Payments, NPP, SPEI, Bre-B, and Pix, plus USDC, USDT, and EURC stablecoins. Its currencies page lists USD, EUR, GBP, AED, AUD, BRL, and MXN as active, PHP, COP, and ARS as newly launched, and a dated roadmap through 2027 for further currencies. |
| **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 FAQ says most trades settle within the hour, with “T+0 settlement for many transactions” on a 24/7/365 platform, and its March 2026 funding announcement makes the same under-an-hour claim. Fiat deposits typically reflect within 20 minutes per its FAQ (OpenFX’s stated clocks for trade settlement and deposit reflection). |
| **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 Trading API automating quotes, trades, deposits, and withdrawals over REST, FIX, and streaming interfaces, webhooks, a web dashboard for accounts and wallets, and a personalized sandbox with sample trades and real-time pricing. |
| **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. | OpenFX states it holds the necessary licenses and registrations in the markets it serves, citing banking infrastructure and licenses across the US, UK, Europe, UAE, Mexico, Brazil, and Southeast Asia, and identifies its US entity as Red Envelope Delta, Inc (NMLS #2680829). It describes the platform as designed for businesses and enterprises. |

### 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
- OpenFX, Compliance model: openfx.com/faq (verified 2026-08-09)
- OpenFX, Onboarding: openfx.com/faq, openfx.com/solutions/payment-service-providers (verified 2026-08-09)
- OpenFX, Data access: openfx.com/solutions/payment-service-providers, openfx.com/faq (verified 2026-08-09)
- OpenFX, Account primitives: openfx.com/faq, openfx.com/product (verified 2026-08-09)
- OpenFX, Rails coverage: openfx.com/product, openfx.com/currencies, openfx.com/solutions/remittance-companies (verified 2026-08-09)
- OpenFX, Settlement: openfx.com/faq, openfx.com/product, openfx.com blog, Series A announcement (verified 2026-08-09)
- OpenFX, Developer surface: openfx.com/product, openfx.com/faq (verified 2026-08-09)
- OpenFX, Jurisdiction coverage: openfx.com/faq, openfx.com, openfx.com/company (verified 2026-08-09)

Last updated August 9, 2026