Infinite

Infinite

Global stablecoin-based payments processor APIs

Overview

Infinite processes global payments by using USD-denominated stablecoins as a settlement network. It offers turnkey APIs and an embedded SDK to move money across borders with low fees and same-day settlement, replacing traditional wires with stablecoin-based transfers. The platform supports bank-to-bank and bank-to-wallet transfers and enables instant settlement in local currencies across regions like Latin America, Europe, Africa, and Southeast Asia, with wallet and payments managed inside apps. Infinite targets creator economy, logistics, marketplaces, and gaming, and aims to scale cross-border payments by combining easy integration with treasury tools and yield-bearing stablecoin balances.

YC Company

About Infinite

Simplify's Rating
Why Infinite is rated
C+
Rated C on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Enterprise Software

Fintech

Crypto & Web3

Financial Services

Company Size

11-50

Company Stage

Seed

Total Funding

$130K

Headquarters

San Francisco, California

Founded

2024

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Simplify's Take

What believers are saying

  • Infinite Accounts launched April 22, 2026, adding ACH, wires, and stablecoin flows.
  • CipherOwl went live June 10, 2026, giving Infinite AI-native onchain compliance immediately.
  • Sardine partnership on July 2, 2026 expands risk tooling for fintech and stablecoin customers.

What critics are saying

  • Erebor Bank concentrates Infinite's banking dependency; any charter or partner failure freezes accounts.
  • GENIUS Act rules in April 2026 raise compliance costs across every stablecoin workflow.
  • Stripe, Bridge, BVNK, and Zero Hash crowd out Infinite on distribution and licenses.

What makes Infinite unique

  • Infinite turns stablecoins into embedded bank accounts through Erebor Bank, not just payouts.
  • Its June 2026 CipherOwl deal bundles screening, monitoring, and reporting into one stack.
  • Sardine integration adds fraud signals and behavioral biometrics to compliant money movement.

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Funding

Total Funding

$130k

Below

Industry Average

Funded Over

1 Rounds

Notable Investors:
Seed funding is usually the first official round after pre-seed, when a startup has a prototype or concept. It’s typically used to develop the product, test the market, and start building the team. Investors here are often angel investors or early-stage venture capitalists.
Seed Funding Comparison
Below Average

Industry standards

$3.3M
$130k
Infinite
$1.5M
Slack
$2M
Netflix
$2.3M
Instacart
$3M
Robinhood

Benefits

Company Equity

Growth & Insights and Company News

Headcount

6 month growth

-11%

1 year growth

-11%

2 year growth

-11%
PR Newswire
Jul 2nd, 2026
Infinite and Sardine launch two-way integration linking compliance, risk and payments for stablecoins

Infinite and Sardine have launched a two-way integration combining fraud detection with AI-powered compliance workflows for stablecoin businesses. The partnership enables Infinite customers to access Sardine's real-time risk intelligence, including device data and behavioral biometrics, whilst Sardine customers gain access to Infinite's account infrastructure for compliant money movement. Infinite, founded by former Sardine employees, uses AI-driven decisioning to evaluate risk and automate compliance reviews, creating comprehensive audit trails for regulatory purposes. The integration connects account infrastructure, risk intelligence and payments operations to reduce operational complexity. The companies plan to expand the partnership's capabilities across onboarding, transaction monitoring and payments infrastructure as demand for stablecoin-powered financial services grows.

PR Newswire
Jun 10th, 2026
Infinite partners with CipherOwl for AI-native onchain compliance as GENIUS Act mandates federal stablecoin rules

Infinite, a payments and compliance platform backed by Bessemer Venture Partners, has partnered with CipherOwl to embed AI-native screening, transaction monitoring and compliance reporting across its platform. The intelligence layer is now live across Infinite's services, starting with Infinite Accounts. The partnership follows the proposed GENIUS Act implementation published in April 2026, establishing the first federal framework for US payment stablecoins. The legislation designates permitted issuers as financial institutions under the Bank Secrecy Act and extends compliance obligations to companies handling regulated stablecoins. CipherOwl's SR³ Stack can screen over one million addresses per second across multiple blockchains. The company's founders previously built Coinbase's internal onchain compliance infrastructure. CipherOwl is backed by General Catalyst, Flourish Ventures, Coinbase Ventures and OKX Ventures.

PR Newswire
Apr 22nd, 2026
Infinite launches bank accounts combining fiat and stablecoin payments via Erebor Bank partnership

Infinite, a payments and compliance technology platform, has launched Infinite Accounts — dedicated bank accounts with unique routing numbers that work across traditional payment rails and stablecoin networks. The accounts are powered by Erebor Bank, N.A., Member FDIC. The programme enables businesses to access deposits, withdrawals, ACH, domestic and international wire transfers, and stablecoin functionality through a single integration. It supports stablecoin mint and burn in connection with fiat funds, plus on-chain and off-chain transaction flows across supported blockchain networks. The platform is designed for third-party developers and merchants to offer banking and stablecoin capabilities under their own brand. Founded by Nikhil Srinivasan and Raj Lad, Infinite has raised $295 million to date.

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