Pay suppliers before incoming funds settle
Give your customers faster international payments with settlement credit, while they keep paying and receiving in fiat. Prefunding is rolling out in early access to design partners.
Settlement credit covers the gap between an incoming collection and an outgoing payment. Infinite uses approved credit to fund eligible payouts before those collections settle, then repays the credit from the incoming funds under agreed terms. Prefunding is rolling out in early access to design partners.
The supplier is ready. The funds are still settling.
For platforms serving consumer brands and other global businesses, a payment can be ready to send before the money is available to fund it.
Collections and supplier deadlines run on different clocks.
A customer is expecting a marketplace payout, a payment-processor settlement, or a wholesale payment. Their overseas supplier needs paying before that collection arrives. The gap holds up an otherwise ready payment.
A faster payment rail still needs available funds.
Changing how a payment travels does not solve when it can start. If the incoming funds are still settling, your platform needs a way to fund the outgoing payment.
Payment buffers tie up working capital.
Keeping balances ready across payout accounts and currencies can cover the gap. It also leaves cash parked between payment runs and makes your team responsible for keeping every balance funded.
Put settlement credit behind the payment.
We work with design partners to connect incoming collections, approved credit, and outgoing payouts in one defined flow.
Bridge the time between collection and payout.
Approved settlement credit funds an eligible payment while the incoming collection is still settling. Repayment follows that collection under agreed terms, keeping the credit tied to the transaction.
Keep the fiat experience your customers know.
Your customers can keep paying and receiving in fiat. Infinite coordinates the underlying settlement, including stablecoin rails where used, so the flow fits the payment experience your platform already provides.
Reduce cash parked for future payments.
Fund eligible payouts when they are needed and reduce the balances held solely to cover incoming settlement delays. Scope the collection sources, payout destinations, and funding needs with our team.
Keep the controls and the record connected.
Credit eligibility sits alongside counterparty screening and payment controls. Track the collection, credit use, outgoing payment, and repayment as parts of the same flow.
A supplier payment ahead of collection settlement.
An illustrative flow for a platform serving a business with overseas suppliers. Availability and terms are scoped with each design partner.
Map the collection and the payment.
Identify the incoming collection, its expected settlement window, and the supplier payment it needs to fund. Bring the currencies, destinations, and payment timing to the conversation.
Agree the eligible flow and credit terms.
Define which transactions qualify and how repayment works. Review the full cost of collecting, converting, funding, and paying, plus responsibility for payment exceptions. Onboarding, counterparty review, and payment controls still apply before funds move.
Release the supplier payment earlier.
Approved credit funds the eligible payout while the collection is still settling. Transfer Routes connects the payment to its destination. Delivery timing depends on the selected rail and corridor.
Settle the collection and reconcile the credit.
The incoming funds repay the credit under the agreed terms. Reconcile the collection, the credit used, the supplier payment, and repayment so your operations team can account for the whole flow.
Answers before you ask
What is prefunding with settlement credit?
It is a way to fund an eligible outgoing payment before an incoming collection settles. Approved settlement credit covers that timing gap, then the incoming funds repay the credit under agreed terms. Infinite is rolling out this capability in early access to design partners.
Who is prefunding designed for?
Platforms helping businesses make payments, especially to overseas suppliers, while incoming collections are still settling. A representative flow is a consumer brand waiting for a payment-processor, marketplace, or wholesale collection while a supplier payment is ready to go.
Is prefunding available today?
Prefunding is rolling out in early access to design partners. We scope the collection source, payout corridor, eligibility, integration, and credit terms with each partner. Request early access to discuss a flow for your platform.
Do our customers need to use stablecoins?
Customers can keep paying and receiving in fiat. Infinite coordinates the settlement underneath, including stablecoin rails where used. The design-partner process defines how that flow connects to your existing accounts and payment experience.
Does settlement credit replace payment checks?
No. Credit approval and payment compliance are separate requirements. Onboarding, counterparty screening, and transaction monitoring still apply. A payment must meet its credit terms and the applicable payment controls before it can be released.
What happens if a collection or payout is delayed?
Before a pilot, we agree who handles delayed collections, returned payments, and other exceptions, how they are escalated, and what they mean for repayment. Bring the support and reporting requirements your operations team needs to run the flow.
How can credit partners participate?
We are speaking with credit partners interested in supporting transaction-linked payment flows. Explore credit partnership to discuss the collections and corridors you want to support, credit criteria, repayment, and reporting needs.
Close the gap in your next payment flow.
Bring us a collection that settles later and a supplier who needs paying sooner. We’ll scope an early-access flow with your team.
See the companies processing on Infinite
Ask an AI about PrefundingChatGPTClaudePerplexityGemini
Bring capital to the settlement gap.
We’re speaking with credit partners interested in funding transaction-linked payment flows on Infinite. Learn how your capital could support payments while incoming funds settle.
Start with the flows you want to support: collection sources, currencies, settlement windows, and credit criteria. Together, we can explore participation, underwriting, repayment, and the reporting your team needs.
Become a credit partner- PayoutsBatch disbursements with one instruction
- PayinsCollect inbound payments on every rail
- LinksGet paid by link, reconciled on arrival
- InvoicingInvoice and settle in one flow
- SWIFT PaymentsSend global wires through one integration
- USD PaymentsMove dollars on every domestic rail
- Stablecoin PaymentsSettle in stablecoins on bank rails
- Foreign ExchangeConvert between currencies at settlement
- Transfer RoutesRoute money on the fastest compliant path