Key takeaways
- EUR, GBP, AED, BRL, and MXN collections convert and land in USD.
- Customers do not hold those currencies, and do not choose when to convert.
- Accounts on Infinite do not hold other currencies today.
- International accounts provide collection details for those currencies, plus USD over SWIFT.
- Bank partners issue and hold the accounts; Infinite runs onboarding, screening, and reconciliation.
What happens when a collection arrives in a local currency?
Many global businesses still need to collect and hold USD: US customers, dollar invoices, or dollar operating expenses. They also get paid in other currencies. On Infinite, collections in EUR, GBP, AED, BRL, and MXN convert and land in USD. Customers do not hold those currencies, and do not choose when to convert.
The useful pattern is a USD account for dollar activity, with international-account details for the currencies you actually receive. Reconciliation closes from one USD ledger.
What does each account receive?
USD bank accounts are the dollar account in the Infinite Accounts family. International accounts receive USD over SWIFT, and collections in EUR, GBP, AED, BRL, and MXN, each with its own account details for payers. Those collections convert and land in USD. Wallet accounts, where you need them, add stablecoin custody beside the USD balance.
The two are designed to sit together on one ledger. You do not have to operate a second treasury system to accept euro or peso payments alongside dollars.
How do onboarding and screening work when both exist?
Once, then continuously, for the customer that owns the accounts. Infinite runs KYC and KYB, sanctions screening, and monitoring for the business or for the customer you are opening accounts for. Adding collection details for a currency or an international account should not mean starting a second, unrelated review. The same program screens transfers before funds move, whichever account receives them.
Eligibility, documents, and corridor details are scoped during onboarding, which is assisted. This page does not restate application checklists or insurance language; those live on the account pages and in legal disclosures.
How should treasury use the two together?
Treasury works from the USD balance. Collections in EUR, GBP, AED, BRL, and MXN convert and land in USD; customers do not choose when to convert. FX and Transfer Routes are the movement layer for payouts and other transfers. Reconciliation should close from one ledger, so a dollar invoice and a euro inbound collection can be explained in the same report.
Coverage for where you can collect or pay is on the coverage list. Do not infer a country list from the currencies an international account can collect.
Frequently asked questions
Is a USD account the same thing as an international account?
No. A USD account is the dollar bank account, and the balance those collections land in. An international account receives USD over SWIFT plus collections in EUR, GBP, AED, BRL, and MXN, which convert and land in USD. On Infinite they share a ledger, but they are different account types with different account details for payers.
Do you need a second bank relationship to collect local currencies?
Not on this model. Bank partners issue the USD account and the international collection details, and Infinite runs onboarding, screening, and reconciliation. Collections in EUR, GBP, AED, BRL, and MXN convert and land in USD on the same ledger.
Can a platform open both kinds of accounts for its customers?
Yes. International accounts are available for your business or for each customer, and they sit beside USD accounts on the same ledger. Collections in EUR, GBP, AED, BRL, and MXN convert and land in USD. Onboarding and screening still run before accounts are used and before transfers move.
See it on your own flows.
A 30-minute walkthrough of a live account and the screening record behind each payment.