I

Infinite

Global stablecoin-based payments processor APIs

Overview

Infinite is a global payments processor that uses USD-denominated stablecoins as a settlement network to move money across borders with low fees and same-day settlement. It provides turnkey APIs and an embedded SDK for bank-to-bank and bank-to-wallet transfers, enabling instant local-currency settlement in regions like Latin America, Europe, Africa, and Southeast Asia and wallet management for beneficiaries. Businesses can hold stablecoin balances to earn yields, combining payments and treasury management in one platform. The company differentiates itself through a fintech/crypto-experienced team and a developer-focused platform aimed at creator economies, logistics, marketplaces, and gaming, with the goal of simplifying cross-border payments via a stablecoin settlement network.

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About Infinite

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

Industries

Enterprise SoftwareFintechCrypto & Web3Financial Services

Company Size

11-50

Company Stage

Seed

Total Funding

$130K

Headquarters

San Francisco, CA

Founded

2024

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Simplify's take

What believers are saying

  • Nov 2026 site says Bessemer, Y Combinator, and 468 Capital back Infinite.
  • Dec 2025 Tempo partnership places Infinite inside Stripe- and Paradigm-linked stablecoin distribution.
  • Apr 2026 bank accounts plus stablecoin rails broaden monetization beyond pure cross-border payments.

What critics are saying

  • Erebor Bank concentration makes Infinite dependent on one regulated banking partner and its exam results.
  • GENIUS Act compliance shifts force heavier licensing, monitoring, and sanctions exposure before revenue scales.
  • Coinbase-pedigree rivals like Sardine and CipherOwl can disintermediate Infinite's control layer.

What makes Infinite unique

  • Apr 2026 Infinite Accounts unify fiat, ACH, wires, and stablecoins through one API.
  • Jun 2026 CipherOwl integration gives real-time screening, monitoring, and audit-ready compliance evidence.
  • Jul 2026 Sardine two-way integration adds fraud signals, behavioral biometrics, and risk workflows.

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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
$1.5M
$2M
$2.3M
$3M

Benefits

  • Company Equity

Growth & Insights and Company News

6 month growth

-5%

1 year growth

0%

2 year growth

0%
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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