I. Feature Overview
To help enterprise users more conveniently manage multi-currency fiat funds globally and access related digital asset services through the Infini platform.. When you need to transfer traditional bank funds into the Web3 network, Infini, through deep integration with global payment service providers, assigns you a dedicated Virtual Account (VA). Simply complete a local bank transfer to deposit funds, and the system will convert your fiat currency into stablecoins and credit them to your Infini account, bridging the gap between traditional finance and Web3 fund networks. You can also flexibly select different receiving regions and currencies, making cross-border fund transfers more efficient and convenient.
II. Pain Points Addressed
Lack of fiat deposit channels and incomplete fund cycle: Business users previously had no way to directly deposit fiat funds from their bank accounts into the Infini platform, resulting in a broken fund flow chain and the inability to complete the full fiat-to-stablecoin process within a single platform.
Complicated cross-border deposit process with high barriers: Traditional cross-border fiat deposits often involve multiple banks, complex remittance details, and long waiting periods. Business users need to switch between multiple systems, leading to low efficiency and a higher chance of errors.
Unclear compliance requirements and opaque application process: Opening a regulated receiving account requires meeting a series of compliance requirements, but users often lack clarity on what documents to prepare and how the review process works, resulting in a poor application experience.
Non-transparent exchange rates and uncertain arrival times: Users cannot estimate the actual stablecoin amount they will receive before initiating a deposit, nor do they know when funds will arrive, which affects fund planning and usage efficiency.
III. Key Highlights
Real-time exchange rate displays for transparent deposits: Before initiating a deposit, the system displays the reference exchange rate and estimated stable coin amount you will receive, giving you clear visibility into every transaction for better fund planning.
Streamlined process for efficient deposits: Simply select a currency, enter the amount, and complete a bank transfer — three steps to finish your deposit. The entire process is clear and smooth, with no need to switch between multiple systems.
Flexible multi-currency support covering major markets: The feature supports deposits in multiple fiat currencies, covering major economies worldwide. Regardless of where your business operates, you can find a suitable deposit channel, subject to regional availability.
IV. Step-by-Step Guide
Apply for a Dedicated Virtual Account
Log in to the Infini system and ensure your corporate account has completed the standard KYB verification. For details on KYB and KYC verification, please refer to the KYB and KYC Verification guide KYB&KYC Verification If you have not yet applied for a virtual account, the system will prompt you to apply first.
2. In the left-side menu, select the region where you want to open your virtual account, then choose the corresponding currency and payment method (Local or Swift).
Upload the required documents (mandatory):
ID documents of the UBO and Director (issued within the last 3 months).
Three valid invoices and contracts that support your business transactions (issued within the last 6 months).
Download the business information form template and fill it out as required.
3. Add the company's operating address. After confirming that all materials are correct, click [Submit Application]. The system will display: "Application submitted, please wait for review." The review process typically takes 1–3 business days, and the result will be sent to you via email and an Infini system notification.
Initiating a Fiat Deposit
After your virtual account is approved, go to the [Fiat Deposit] page and click the [Transfer] button on the right to start the fiat deposit process.
Note: Do not deposit funds directly into the virtual account. You must follow the steps provided in the Infini system to initiate a fiat deposit; otherwise, your Infini account will not receive the transfer.
Select the amount and currency, then click [Next].
3. From your bank account, initiate a transfer to the virtual account number displayed on the current page. Be sure to copy the [Reference Code] shown on the page and enter it into the memo/notes field of your bank transfer. This is the key information used to identify your order — failure to include it will result in processing delays. Then click [I Have Transferred].
4. The system will display: "Deposit transfer submitted." Funds are expected to arrive within 1–3 business days, at which point they will be automatically converted to stablecoins and credited to your Infini account.
Viewing Deposit History
In the left-side menu, click [Fiat Deposit]. At the top of the page, click [Order History] to view your past deposit records.
V. Usage Tips
Prepare compliance materials in advance: We recommend gathering the UBO and Director ID documents (issued within 3 months) and three valid invoices and contracts supporting your business transactions (issued within 6 months, in PDF, PNG, or JPG format, each no larger than 5MB) before applying for a virtual account. Ensuring all documents are clear and complete will help expedite the review process.
Enter the reference code correctly: When making a bank transfer, be sure to enter the system-generated reference code into the transfer's memo/notes field. Omitting or entering an incorrect code will cause the order to require manual processing, which may extend the time for funds to arrive.
Mind the order validity period and transfer promptly: Deposit orders are valid for 1–3 days. We recommend completing the bank transfer as soon as possible after creating the order. If the order expires, you will need to create a new one. Please also note that bank holidays may affect transfer processing times, so it is advisable to allow sufficient lead time.
VI. FAQ
Q: Why do I need to upload business contracts or invoices?
A: This is a compliance requirement to verify the legitimacy of your business, enabling Infini to open a regulated dedicated receiving account for you. The uploaded documents will be submitted to our partner for review, so please ensure they are authentic and valid.
Q: What should I do if my VA application is rejected?
A: Review the rejection reason displayed on the page or in the email notification. Click [Modify and Resubmit] to update or replace your documents and resubmit the application. If you have further questions, please contact our support team for assistance.
Q: How long does the deposit process take?
A: The process consists of two stages: VA account application review typically takes 1–3 business days. Once approved, bank transfer processing also takes approximately 1–3 business days, depending on your bank and currency. Please note that bank holidays may affect arrival times.
Q: What happens if I forget to include the Reference Code in my transfer?
A: If the Reference Code is not included, your order will be routed to manual processing, which may take longer. We recommend contacting our support team proactively with your order number and transfer receipt to help expedite the process.
Q: What happens if the transfer amount does not match the order amount?
A: If the actual transfer amount differs from the order amount, the order will be routed to manual review. To avoid delays, please ensure the transfer amount matches the amount displayed on the order page exactly.
Q: Can I use someone else's bank account to make the transfer?
A: No. For compliance purposes, you must use the business bank account associated with your Infini account. Transfers from a third-party account may result in funds being frozen or returned.
VII. Contact Us
If you have any questions or feedback about [Fiat On-Ramp], please reach out to our support team through customer service channels.Click the green phone icon in the bottom-right corner of the Infini system and select [Message] to contact us.
Disclaimer: The Fiat On-Ramp feature is operated by licensed third-party payment service providers; Infini acts solely as a technical platform and does not directly handle fiat fund reception, conversion, or transmission. KYB materials are reviewed independently by the licensed partner institution, and Infini makes no guarantee regarding the outcome. Exchange rates displayed are for reference only; the final credited amount is subject to actual conversion. This service is not available to users in Mainland China, the United States, or other restricted jurisdictions, and does not constitute investment advice. All rules are governed by the official Terms of Service, and Infini reserves the right of final interpretation.