How to read this
Cross-border payment infrastructure gets diligenced on the same questions everywhere: who runs KYC/KYB and sanctions screening, what account primitive sits underneath, which rails one integration reaches, when funds actually settle, what engineers integrate against, and where the provider can operate. Those criteria are the rows below.
The Infinite column states only what Infinite publishes on this site and at docs.infinite.net; see dedicated bank accounts established at bank partners and transfer routing across SWIFT, US rails, and stablecoins for the underlying pages. The Zero Hash column states only what Zero Hash’s own public documentation and disclosures say: cited cells were verified against docs.zerohash.com and zerohash.com, and each carries its citation and verification date. Where something is described as not specified or not listed, that means it is absent from Zero Hash’s public materials as of that date, not that Zero Hash cannot do it.
| Criterion | Infinite | Zero Hash |
|---|---|---|
| Compliance modelWho 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. | Zero Hash is the regulated party: end customers become Zero Hash participants who pass its KYC, sanctions screening, and AML procedures. Platforms choose a reliance model (approved platforms run their own KYC and submit results via API) or KYC-as-a-service, where Zero Hash’s onboarding flow and compliance team run verification and manual review; its remittance stack pages list built-in on-chain monitoring and Travel Rule compliance.Source: docs.zerohash.com/kyc, docs.zerohash.com/page/about-zero-hash, zerohash.com/products/stablecoin-remittance-infrastructure (verified 2026-08-08) |
| OnboardingHow 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. | Zero Hash documents three participant-onboarding paths: a reliance model where approved platforms run their own KYC and pass results via API, an embeddable KYC-as-a-service flow styled to the platform’s brand with sensitive data captured directly by Zero Hash, and an API KYC-as-a-service path marked coming soon. On the participant KYC-decision clock, its integration guides state automated screening moves participants from submitted to approved, rejected, or pending approval “~instantly,” with flagged cases manually reviewed by its compliance team within 24 hours.Source: docs.zerohash.com/docs/fund-overview, docs.zerohash.com/docs/onboarding-experience-sample, docs.zerohash.com/docs/payouts-integration-guide (verified 2026-08-09) |
| Data accessWhat 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. | A participant lifecycle is readable via API and a participant-status-updates webhook (statuses spanning submitted, pending approval, approved, rejected, locked, disabled, and closed), with payloads carrying status, reason codes, KYC-failure reasons, and retry counts, and supporting documents uploaded through a documents endpoint. A distinct request-for-information state is not specified in its public docs as of the verification date.Source: docs.zerohash.com/reference/participant-status-updates, docs.zerohash.com/docs/participant-account-statuses-locking, docs.zerohash.com/reference/post_participants-documents (verified 2026-08-09) |
| Account primitivesWhat 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. | End customers open accounts directly with Zero Hash under its user agreement. Custody services are “powered and administered by zerohash, not its partner platforms.” Client assets sit in segregated omnibus structures on Zero Hash’s ledger, with fiat held in omnibus accounts controlled by Zero Hash or its sub-custodians.Source: docs.zerohash.com/page/about-zero-hash, zerohash.com/disclosures/asset-segregation, zerohash.com US User Agreement (verified 2026-08-08) |
| Rails coverageWhich 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 lists 100+ assets including major stablecoins (USDC, PYUSD, RLUSD, USDT) across dozens of chains, with fiat funding over ACH, RTP, and wire. Cross-border payouts are offered to “more than 200 countries” via last-mile partners over RTP networks, cards, wallets, or cash pickup, qualified in Zero Hash’s own materials as subject to regulatory and compliance requirements.Source: zerohash.com, docs.zerohash.com/docs/fund-overview, zerohash.com/products/global-crypto-payouts (verified 2026-08-08) |
| SettlementWhen 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. | Zero Hash states payouts “settle as soon as the onchain transaction is confirmed,” 24/7. Fiat settlement to platforms from its account-funding product is documented as a once-daily batch on business days, expected by end of the next business day.Source: zerohash.com/products/global-crypto-payouts, docs.zerohash.com/docs/fund-overview (verified 2026-08-08) |
| Developer surfaceThe 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. | Full public API reference with guides and step-by-step recipes, a cert sandbox environment with mock balances, webhooks across participant, payment, bank-account, trade, and balance events, an onboarding SDK for embedded KYC flows, and a developer portal.Source: docs.zerohash.com, docs.zerohash.com/docs/getting-started, docs.zerohash.com/webhooks (verified 2026-08-08) |
| Jurisdiction coverageWhere 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. | Zero Hash’s published licensing disclosures list a FinCEN-registered MSB with money transmitter licenses across 51 US jurisdictions, two NYDFS BitLicenses, a Dutch MiCA CASP license and EMI authorization in Europe, plus registrations in Canada, Australia, and New Zealand.Source: docs.zerohash.com/page/us-licenses-and-disclosures, docs.zerohash.com/page/about-zero-hash (verified 2026-08-08) |
- Compliance modelWho runs KYC/KYB, sanctions screening, and transaction monitoring, and whether counterparty review repeats for every relationship.
- Infinite
- 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.
- Zero Hash
- Zero Hash is the regulated party: end customers become Zero Hash participants who pass its KYC, sanctions screening, and AML procedures. Platforms choose a reliance model (approved platforms run their own KYC and submit results via API) or KYC-as-a-service, where Zero Hash’s onboarding flow and compliance team run verification and manual review; its remittance stack pages list built-in on-chain monitoring and Travel Rule compliance.Source: docs.zerohash.com/kyc, docs.zerohash.com/page/about-zero-hash, zerohash.com/products/stablecoin-remittance-infrastructure (verified 2026-08-08)
- OnboardingHow customers actually get live: who collects what, in whose brand, and how long first-time review takes.
- Infinite
- 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.
- Zero Hash
- Zero Hash documents three participant-onboarding paths: a reliance model where approved platforms run their own KYC and pass results via API, an embeddable KYC-as-a-service flow styled to the platform’s brand with sensitive data captured directly by Zero Hash, and an API KYC-as-a-service path marked coming soon. On the participant KYC-decision clock, its integration guides state automated screening moves participants from submitted to approved, rejected, or pending approval “~instantly,” with flagged cases manually reviewed by its compliance team within 24 hours.Source: docs.zerohash.com/docs/fund-overview, docs.zerohash.com/docs/onboarding-experience-sample, docs.zerohash.com/docs/payouts-integration-guide (verified 2026-08-09)
- Data accessWhat your systems can see about compliance state: review and RFI states, reasons, and the audit trail behind decisions.
- Infinite
- 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.
- Zero Hash
- A participant lifecycle is readable via API and a participant-status-updates webhook (statuses spanning submitted, pending approval, approved, rejected, locked, disabled, and closed), with payloads carrying status, reason codes, KYC-failure reasons, and retry counts, and supporting documents uploaded through a documents endpoint. A distinct request-for-information state is not specified in its public docs as of the verification date.Source: docs.zerohash.com/reference/participant-status-updates, docs.zerohash.com/docs/participant-account-statuses-locking, docs.zerohash.com/reference/post_participants-documents (verified 2026-08-09)
- Account primitivesWhat the customer actually holds: a dedicated bank account, a virtual sub-ledger on a pooled account, or a wallet.
- Infinite
- 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.
- Zero Hash
- End customers open accounts directly with Zero Hash under its user agreement. Custody services are “powered and administered by zerohash, not its partner platforms.” Client assets sit in segregated omnibus structures on Zero Hash’s ledger, with fiat held in omnibus accounts controlled by Zero Hash or its sub-custodians.Source: docs.zerohash.com/page/about-zero-hash, zerohash.com/disclosures/asset-segregation, zerohash.com US User Agreement (verified 2026-08-08)
- Rails coverageWhich payment rails one integration reaches: US bank rails, SWIFT, stablecoins, and FX.
- Infinite
- 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.
- Zero Hash
- Its site lists 100+ assets including major stablecoins (USDC, PYUSD, RLUSD, USDT) across dozens of chains, with fiat funding over ACH, RTP, and wire. Cross-border payouts are offered to “more than 200 countries” via last-mile partners over RTP networks, cards, wallets, or cash pickup, qualified in Zero Hash’s own materials as subject to regulatory and compliance requirements.Source: zerohash.com, docs.zerohash.com/docs/fund-overview, zerohash.com/products/global-crypto-payouts (verified 2026-08-08)
- SettlementWhen funds actually arrive, including nights, weekends, and rail cutoffs.
- Infinite
- 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.
- Zero Hash
- Zero Hash states payouts “settle as soon as the onchain transaction is confirmed,” 24/7. Fiat settlement to platforms from its account-funding product is documented as a once-daily batch on business days, expected by end of the next business day.Source: zerohash.com/products/global-crypto-payouts, docs.zerohash.com/docs/fund-overview (verified 2026-08-08)
- Developer surfaceThe API, webhooks, hosted flows, and dashboard an engineering and operations team works with.
- Infinite
- 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.
- Zero Hash
- Full public API reference with guides and step-by-step recipes, a cert sandbox environment with mock balances, webhooks across participant, payment, bank-account, trade, and balance events, an onboarding SDK for embedded KYC flows, and a developer portal.Source: docs.zerohash.com, docs.zerohash.com/docs/getting-started, docs.zerohash.com/webhooks (verified 2026-08-08)
- Jurisdiction coverageWhere the provider operates and onboards customers, and under what licensing or partner structure.
- Infinite
- 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.
- Zero Hash
- Zero Hash’s published licensing disclosures list a FinCEN-registered MSB with money transmitter licenses across 51 US jurisdictions, two NYDFS BitLicenses, a Dutch MiCA CASP license and EMI authorization in Europe, plus registrations in Canada, Australia, and New Zealand.Source: docs.zerohash.com/page/us-licenses-and-disclosures, docs.zerohash.com/page/about-zero-hash (verified 2026-08-08)
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.
Zero Hash is a trademark of its owner; Infinite is not affiliated with or endorsed by Zero Hash. Statements about Zero Hash quote or closely paraphrase its public documentation as of the date shown in each cell's source line.
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