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134 entries across everything we publish: guides and essays from Learn, the payments glossary, the blog, and press coverage.

July 2026GlossaryPass-through deposit insuranceFDIC coverage that extends through a custodial account to the underlying owners of the funds, when the FDIC’s pass-through conditions are met.

July 2026GlossaryPayment orchestrationCoordinating multiple payment rails, providers, and currencies behind a single integration, routing each payment by speed, cost, and availability.

July 2026GlossaryPolitically exposed personSomeone entrusted with prominent public functions (senior officials, their close family and associates), treated as higher-risk in AML programs.

July 2026GlossaryPooled accountA single bank account holding funds belonging to many customers, tracked in the holder’s own sub-ledger rather than at the bank.

July 2026GlossaryRouting numberThe nine-digit code that identifies a US financial institution on payment rails: it tells ACH, Fedwire, and check systems where an account lives.

July 2026GlossaryRTPThe Clearing House’s real-time payments network: instant, final USD credit transfers up to $10 million, available 24/7/365.

July 2026GlossarySame Day ACHThe ACH network’s faster processing option: eligible payments submitted before daily cutoffs settle in same-day windows instead of next-day.

July 2026GlossarySanctions screeningChecking customers, counterparties, and payments against government sanctions lists, such as OFAC’s SDN list, before funds are allowed to move.

July 2026GlossaryStablecoin payment processorA provider that handles stablecoin payments end to end for businesses: accounts, conversion, screening, and settlement behind one API.

July 2026GlossaryStablecoin settlementThe completion of a payment by transferring stablecoins on-chain: final in minutes, at any hour, with no batch cycles or banking-hours dependency.

July 2026GlossarySuspicious activity reportThe confidential report a financial institution files with FinCEN when it detects potentially suspicious transactions or activity.

July 2026GlossarySWIFTThe global messaging network banks use to send payment instructions across borders, the message layer behind international wires.

July 2026GlossarySWIFT gpiSWIFT’s payments service standard adding end-to-end tracking, fee transparency, and confirmation of credit to cross-border payments.

July 2026GlossaryT+0 settlementSettlement on the trade or payment date itself: funds change hands the same day, with no waiting period.

July 2026GlossaryTravel RuleThe requirement that identifying information about the sender and recipient travel with a funds transfer, extended by FATF to virtual-asset transfers.

July 2026GlossaryVirtual accountA sub-account reference layered on one real bank account, used to segregate and reconcile funds without opening separate accounts.

July 2026GlossaryVirtual accounts vs real accountsA virtual account is a reference over one pooled bank account; a real account is individually titled at the bank. The difference is whose money the bank sees.

July 2026GlossaryVirtual asset service providerFATF’s term for a business that exchanges, transfers, or safekeeps virtual assets for customers, regulated for AML like other financial institutions.

July 2026GlossaryWire transferA bank-to-bank payment sent individually rather than in a batch: same-day, typically irrevocable, used for high-value transfers.

Jun 10, 2026BlogCipherOwl PartnershipInfinite is embedding CipherOwl's screening, transaction monitoring, and reporting into its platform: one compliance layer for stablecoin payments.

See it on your own flows.

A 30-minute walkthrough of a live account and the screening record behind each payment.