Infini offers Personal and Business accounts, each designed for a distinct user profile and set of use cases.
Infini Personal focuses on how individuals hold, transfer, spend, and manage assets in their own name. Infini Business is designed for companies, teams, and eligible business operators that require merchant acquiring, business payouts, corporate cards, team collaboration, and approval workflows.
Key Features of Infini Personal
Infini Personal is available to individual users who meet the applicable registration and identity verification requirements. Its key features include:
Stablecoin funding, withdrawals, and transfers: Deposit, receive, transfer, or withdraw supported stablecoins. Internal transfers between Infini users are also supported. Available assets, networks, limits, fees, and processing times are subject to the information displayed on the platform.
Infini Cards: Eligible users may apply for supported personal cards for purchases, subscriptions, and other permitted personal spending. Card types, fees, limits, and availability are subject to the applicable card application page and terms.
Infini Earn: Access eligible digital asset products made available through the platform. Product structures, liquidity, risks, and potential returns vary. Neither principal nor returns are guaranteed.
Global Accounts: Eligible individual users may apply for USD or EUR virtual account details supported by partner institutions. These accounts may be used to receive eligible same-name transfers or approved third-party payments. This functionality is separate from merchant acquiring.
Finny personal finance assistant: Finny uses account activity and user-provided information to assist with expense tracking, transaction categorization, spending insights, and goal-based reminders. It does not provide financial, investment, tax, or legal advice.
Personal asset and transaction overview: View supported asset balances, transaction records, and transaction statuses within your personal account.
Infini Personal does not provide business-oriented merchant acquiring, hosted checkout, payment links, or payment APIs. It also does not include team member management, business payment approvals, batch payroll, vendor bill pay, or corporate spend controls.
Key Features of Infini Business
Infini Business is designed for companies, teams, and eligible business operators. Subject to applicable laws, platform rules, eligibility requirements, and relevant reviews, its key features include:
Merchant acquiring and invoicing: Accept supported fiat and digital asset payments through hosted checkout, payment links, invoices, or API integrations. Businesses can also view orders and payment statuses from a central dashboard.
Global Accounts and fiat conversion: Eligible businesses may apply for supported USD or EUR virtual account details and use available channels for qualifying collections, deposits, withdrawals, and stablecoin conversion.
Business payouts and Bill Pay: Make eligible stablecoin or fiat payments to employees, contractors, and suppliers. Businesses may also upload invoices or supporting payment documents. Available countries, currencies, and payment rails are subject to platform availability.
Batch payments and approval workflows: Import recipient or payment information in batches and configure approval routing based on payment amounts, designated approvers, or other available conditions.
Corporate cards and spend management: Create and manage virtual corporate cards for employees, projects, subscriptions, or other business purposes. Businesses can allocate budgets, set spending limits, and review card transactions.
Team and access management: Invite team members and assign available operating or approval permissions. Certain functions may depend on the applicable account tier.
Treasury management and financial visibility: View business balances, incoming and outgoing payments, card spending, and other transaction data from one dashboard. Eligible businesses may also access treasury management products displayed on the platform. Product risks, returns, and liquidity are subject to the relevant product terms.
Business features may vary depending on the registered entity, account tier, jurisdiction, review outcome, and partner institution arrangements.
Key Differences Between Infini Personal and Infini Business
Category | Infini Personal | Infini Business |
Intended users | Individual users | Companies, teams, and eligible business operators |
Primary use | Personal asset management, transfers, card spending, and eligible inbound payments | Merchant acquiring, business payouts, spend controls, and team-based financial operations |
Stablecoin funding and transfers | Supported | Supported |
Cards | Infini Cards for personal use | Corporate cards assigned by employee, project, subscription, or business purpose |
Global Accounts | Available to eligible individual users | Available to eligible businesses |
Merchant acquiring | Does not support merchant checkout, payment links, or acquiring APIs | Supports eligible fiat and digital asset payment acceptance |
Invoices and payment links | Does not provide business invoicing or merchant payment link management | Supports invoices, payment links, and related transaction management |
Batch payments | Does not provide business batch payment management | Supports eligible batch payments |
Team management | Not supported | Supported, subject to account tier and availability |
Payment approvals | Not supported | Supports designated approvers and configurable approval workflows |
Payroll and vendor payments | Does not provide business payroll or vendor payment management | Supports eligible employee, contractor, and supplier payments |
Corporate spend controls | Not supported | Supports corporate card budgets, spending limits, and transaction monitoring |
Typical use cases | Personal transfers, asset management, card spending, and eligible personal receipts | Merchant acquiring, cross-border settlement, team payouts, expense management, and business transaction visibility |
In general, Infini Personal may be suitable if you primarily need to manage, transfer, and spend assets held in your own name. If you require merchant acquiring, batch payouts, corporate cards, team management, or approval workflows, Infini Business may be more appropriate, subject to eligibility and availability.
Disclaimer
Infini provides technology and payment infrastructure services and does not directly offer banking, money transmission, securities, or investment services. Any related financial or payment services are provided by licensed partner institutions and are subject to the laws and regulations of the relevant jurisdictions. The availability, scope, and terms of such services may vary depending on the region and the applicable partner arrangements.
Any information displayed on this platform, including but not limited to exchange rates, fees, processing times, and other data, is for reference purposes only and does not constitute any form of commitment, guarantee, or investment advice. Users are responsible for understanding and complying with applicable laws, regulations, and relevant terms before using the services.
This service is not available to users in Mainland China, the United States, or other restricted jurisdictions. Infini reserves the right to interpret and update the service scope and applicable terms.