To help business users manage global, multi-currency fiat funds more conveniently and connect to digital asset services through the Infini platform, we have introduced the Fiat Deposit feature.

When you need to move funds from the traditional banking system into Web3, Infini provides you with a dedicated bank account through deep integrations with licensed financial institutions worldwide. Simply make a bank transfer, and the system will automatically convert your fiat currency into stablecoins and credit them to your Infini account.

The service supports multiple payment networks, including ACH, FedWire, SEPA, FPS, and SWIFT, as well as major fiat currencies such as USD and EUR, making cross-border fund transfers faster and more convenient.

Fiat deposits, fiat withdrawals, and bank account management are consolidated into a single workflow. You only need to submit the required compliance documents once when using the service for the first time. Once your deposit and withdrawal access has been approved for the relevant bank, you can select an existing account for future deposits, making the process simpler and easier to navigate.

Fiat deposits are available through Lead Bank (USD), Banking Circle (EUR), and Singapore Gulf Bank (USD). Both local bank transfers and SWIFT transfers are supported, accommodating different currency and processing-time requirements.

All bank accounts are free from monthly and maintenance fees. Account opening fees and transaction fees are clearly disclosed and transparent. Depending on the selected bank and payment network, funds may be credited on the same day or even in real time.

From the Home page, click Deposit, then select Bank Transfer.

Alternatively, go to Virtual Accounts and select the bank channel you wish to use for your deposit.

If you have not yet opened a bank account, please refer to the Virtual Account application guide in the Help Center. You will first need to apply for a virtual account.

Once your virtual account application has been approved, select the appropriate bank account option based on your business needs.

Confirm the information, pay the account opening fee if applicable, and submit the application for review. Once approved, the bank account will automatically be added to your list of virtual accounts.

Once your application has been approved, click Deposit again and select Bank Transfer. Click Virtual Account, then select the deposit account and payment method.

If you select SGB as the receiving account, enter the deposit amount. The page will display the amount to be received, the real-time exchange rate, and the applicable fees. After verifying the information, click Next.

Once the order has been created, the system will display the bank transfer details, including:

You may click Copy All to copy the bank transfer details above, then proceed to your own bank to complete the SWIFT transfer.

Please pay close attention to the notice highlighted in red on the page: when making a SWIFT transfer, you must include the reference code in the transfer reference or payment remarks.

After completing the transfer, click I’ve Made the Transfer. Once SGB receives the funds, Infini will use the reference code to reconcile the payment with the bank and credit the equivalent amount in USDC to your account. Funds are expected to arrive within 1–3 business days.

You can view the processing status of all orders on the Order History page.

The following fees apply to virtual account channels based on your Infini account VIP tier.

All charges consist of two components: a base rate, which varies according to your VIP tier, and a fixed network fee, which is charged per transaction and does not vary by tier.

For detailed pricing information, please visit: https://www.infini.money/pricing

To comply with regulatory and risk-control requirements, Virtual Account services are not available to users in certain countries and regions.

If the jurisdiction associated with your KYC verification appears on the applicable restricted list, or if you are identified as being located in one of these countries or regions while using the service, the relevant payment and collection functions will be restricted.

Restricted-jurisdiction lists may vary between partner banks and payment channels. We are continuously expanding service availability, and these lists may be updated as compliance policies change.

Afghanistan

American Samoa

Bangladesh

Barbados

Belarus

Burkina Faso

Canada

China

Congo

Cuba

Guinea-Bissau

Haiti

Hungary

Iceland

Iran

Iraq

Jamaica

Japan

North Korea

Kosovo

Lebanon

Liberia

Libya

Macao SAR, China

Madagascar

Malaysia

Mongolia

Morocco

Nigeria

Restricted for Singapore Gulf Bank (SGB, USD) (28):

A: Lead Bank supports USD transfers through ACH, FedWire, and SWIFT, with same-day processing.

Banking Circle’s EUR accounts support SEPA and SWIFT transfers, with real-time or approximately 24-hour processing.

SGB supports SWIFT transfers only and accepts transfers exclusively from bank accounts held in the same name as the Infini account. Third-party payments are not supported.

Lead Bank and Banking Circle charge an account opening fee of USD 25 for individual KYC users and USD 50 for business KYB users. SGB account opening is free.

A: The account opening fee for Lead Bank and Banking Circle is USD 25 for individual KYC users and USD 50 for business KYB users. Singapore Gulf Bank does not charge an account opening fee.

The fee is reserved when you submit your application. If your application is rejected, the full amount will be refunded to your account.

A: The compliance team typically completes the review within 1–3 business days. If additional documents are required, we will notify you by email.

Once your application has been approved, the bank account details will automatically appear in your Bank Accounts list.

A: If the jurisdiction associated with your KYC or KYB verification is restricted by the underlying bank, fiat deposit and withdrawal services are currently unavailable to you.

Please refer to the restricted-jurisdiction lists above. If you have any questions, contact Customer Support.

A: After completing KYB or KYC Level 3 verification, the daily account deposit limit is USD 5,000,000.

A: If you use the SGB channel and fail to include the reference code, your deposit will be delayed because the payment will need to be matched manually.

Our Customer Support team will contact you proactively. You may also contact Customer Support directly and provide proof of transfer to help expedite the process.

A: This depends on the bank you select.

Lead Bank and Banking Circle accept transfers from both accounts held in your name and third-party accounts. Singapore Gulf Bank only accepts transfers from accounts held in the same name as your Infini account. Third-party payments are not supported.

A: Yes. Once your first bank account has been activated, you can click Add New Account on the Fiat Deposit page to add accounts with other banks.

If you have any questions or feedback about the Fiat Deposit feature, please contact our support team through our Customer Support channels.

Click the green phone icon in the bottom-right corner of the Infini platform, then select Messages to contact us.

The Fiat Deposit feature is provided by licensed third-party payment service providers. Infini provides technical platform support only and does not directly receive, exchange, or transmit fiat funds.

KYB and KYC documents are independently reviewed by licensed partner institutions in accordance with their own compliance requirements. Infini does not guarantee the outcome of any review.

Exchange rates displayed on the platform are for reference only. The final amount credited will be determined by the actual exchange transaction.

This service is not available to users in Canada, Malaysia, or other restricted jurisdictions and does not constitute investment advice. All services are subject to the official service agreement. Infini reserves the right of final interpretation.