Issue real accounts under your brand

No. The accounts are real accounts provided through chartered, FDIC-insured partner banks, with Infinite running onboarding, screening, and reconciliation underneath. What your own licensing posture looks like depends on your flow of funds; see third-party funds flow for how platforms move money for their customers compliantly.

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. 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.

Three, from one API: Managed Accounts (a unique DDA per customer with its own routing number), Deposit Accounts, and Wallet Accounts (stablecoins held in custody at partner banks), all sub-ledgered to your structure, with the same onboarding, screening, and reconciliation behind them.

Customers complete Embedded Compliance onboarding styled to your product: business details, documents, and owner verification in one pass. Infinite runs KYB, KYC, and sanctions screening under human-approved policy. Judgment calls route to named analysts. Review typically closes in 1–2 days; a webhook returns the outcome so you can issue the account.

Yes, on one ledger. USD moves over ACH, Fedwire, and RTP through USD Payments; USDC, USDT, OUSD, and USDG sit in Wallet Accounts and move over stablecoin rails, screened in both directions.

Yes. A non-US business that clears onboarding receives an Infinite Account with its own US account and routing numbers, provided through chartered, FDIC-insured partner banks, and moves dollars on domestic US rails. The enhanced checks a non-US entity needs, proof of address, beneficial ownership, source of funds, run inside the same 1–2 day review. Eligibility depends on entity type and jurisdiction; bring your target markets to a demo.

Both hand you an API and leave the compliance work where it was: your customers onboard on the bank’s timeline and RFIs arrive by email. On Infinite the program is run for you: Infinite assembles every case, makes the decision that opens the account, and answers the RFIs, while the partner bank reviews every file and keeps final authority. First-time review closes in 1–2 days instead of ~30. See who runs the compliance program on a platform bank.

Accounts are denominated in USD today, with local currency handled on the send side: GBP, EUR, MXN, and BRL convert inside the payment at a firm, all-in rate and settle over Faster Payments, SEPA, SPEI, and PIX. Inbound local-currency collection is corridor-specific. Bring the currencies your customers sell in to a demo and we will confirm what is live for their entity types.

Yes, subject to onboarding. A supplier cleared on the network can hold its own Infinite Account and receive your customer’s payment the same day, without a wire in the middle. How that works for importers and exporters is on Crossborder Payments, “Can our overseas suppliers hold their own USD account”.

Your customers can be onboarded from the United States and 43 further markets today, listed on Stablecoin Compliance, with more opening on request. Within those markets eligibility is decided case by case, with a short list of prohibited industries (cannabis is one): Infinite’s KYB team reviews each business and its owners, and the partner bank reviews every file and keeps final authority. Non-US businesses complete enhanced KYB before a USD account opens. Bring your markets to a demo.

Infinite does. When a partner bank raises a question on an onboarding file or a payment, Infinite’s compliance team owns the request for information end to end: it pulls the case from the network record, answers the bank, and tells you where the file stands at each step. The bank keeps final authority; Infinite keeps the file moving.