Infinite

Infinite is a global financial network that issues real bank accounts, runs compliance, and moves money for businesses through a single API. It addresses the delay of counterparty review, which traditionally takes around 30 days, by reusing cleared compliance files across the network so first-time review closes in 1–2 days. Funds sit in dedicated accounts at chartered, FDIC-insured partner banks rather than with Infinite itself.

The platform spans SWIFT, US rails (ACH, Fedwire, RTP), stablecoins, and FX with local settlement in several currencies. Key components include Managed Account, which issues a named demand deposit account with its own routing numbers per customer; Embedded Compliance for KYC/KYB, sanctions screening, and monitoring; Infinite Agents, an AI system that assembles case files with cited evidence under human-approved policy, routing judgment calls to named analysts; and a REST API with MCP and CLI tooling. Payments reconcile automatically with webhook events, and transfers are recorded in an exportable double-entry ledger.

Infinite targets platforms, neobanks, fintechs, and businesses issuing accounts under their own brand or replacing pooled accounts, as well as payment providers and mass-payout operations. Access begins with a demo rather than self-serve signup; sandbox keys and API reference are shared during onboarding, after which programs run on real accounts at partner banks. Specific pricing and packaging details are not stated.