I. Feature Overview
To help enterprise users make cross-border bank payments to third parties more efficiently, we have launched the Fiat Payout feature. When you need to send funds to a supplier's, employee's, or partner's bank account, you can initiate a payment request directly from your Infini stablecoin balance. The system currently supports two payment channels: select [Your Name] and the recipient will see your own company name as the sender; select [Via Infini] and the recipient will see the Infini entity name as the sender — no additional setup required, with exclusive fee discounts and more efficient processing. Within a single workflow, you can specify the payment purpose, upload supporting documents, and review the reference exchange rate and estimated arrival amount (subject to actual processing results), making cross-border fiat payments more centralized, transparent, and easy to manage.
II. Use Cases and Advantages
1.Streamlined cross-border payments, all in one place
Making payments to overseas suppliers, employees, or partners traditionally involves preparing documents offline, filling in extensive details, and switching between multiple systems. With Fiat Payment, you can complete payee selection, amount entry, payment purpose, remarks, and document uploads all within a single workflow — reducing friction and keeping your process organized.
2.Pay anyone who can only receive fiat
Stablecoins alone cannot cover all payment scenarios — some recipients are only able to accept funds via local bank accounts. Fiat Payment bridges this gap by converting your stablecoin balance into the target fiat currency and delivering it directly to the recipient's bank account through a licensed partner institution, with no extra steps required on your end.
3.Transparent fees and real-time rate visibility
Before submitting a payment, the system displays the reference exchange rate, applicable fees, and estimated arrival amount, giving you a clear picture of the total cost upfront. This makes budget planning and reconciliation significantly more straightforward.
4.Full transaction traceability
Every fiat payment is logged in your transaction history with full details — including status updates, target currency, reference exchange rate, payment purpose, and uploaded supporting documents — so you can follow up and reconcile with ease at any time.
III. Operating Steps
Initiating a [Fiat Payout]
1.On the [Dashboard] page, click 【Initiate Transfer】 in the top navigation bar.
2.Choose [Fiat Payout]
3.Select the [Recipient] and [Payment method].
When you select [Your name], the recipient's bank will see your own company name as the sender. This option is ideal for B2B reconciliation or compliance-sensitive scenarios where name consistency is required.
When you select [Via Infini], the recipient's bank will see the Infini entity name as the sender. This option requires no additional setup and is ready to use immediately — suitable for scenarios where the sender's name is not a concern.
Fee Description
Infini fiat payout rates vary depending on your account tier. Transactions processed through the Infini payout channel enjoy an additional discount of approximately 0.1% on top of the base rate for the corresponding tier. For specific fee information, please refer to the fee description.
Account Tier | Local | SWIFT Your Name | SWIFT Via Infini |
Standard | 0.50% | 0.50% | 0.40% |
Professional | 0.30% | 0.30% | 0.20% |
Elite | 0.20% | 0.20% | 0.10% |
4. Enter the stablecoin amount in [Send Amount]. The system will synchronously display the [Real-time Exchange Rate], [Handling Fee], and [Received Amount]. Remember to upload the bill or contract document.
5. Alternatively, after setting up the payee, you can enter the received amount to reverse-calculate the amount you need to send.
6. After confirming the amount and payee account information, click [Submit] and enter the verification code to complete the transaction.
Viewing [Fiat Payout] Transaction Records
You can view transaction records related to fiat payout orders in [Income and Expense Details].
IV. Tips for Use
Prioritize confirming payee information: It is recommended to verify the payee's bank account information and country/region before initiating the payment to reduce payment failures or returns caused by incorrect account details.
Prepare supporting documents in advance: It is recommended to organize documents such as contracts, invoices, or payment instructions in advance, and then upload them uniformly to the [Supporting Documents] field, which helps improve review efficiency.
Set the send amount via the payment amount: After confirming the payee, you can prioritize entering the received amount to reverse-calculate your current payable amount.
V. Frequently Asked Questions (FAQ)
Q: Who is the [Fiat Payout] feature applicable to?
A: It is currently applicable to Infini Enterprise users who have completed identity verification. If you have not yet completed enterprise verification, the page will prompt you to do so first.
Q: What assets can I use to initiate a payout?
A: The current payout process is initiated based on the USDC balance in your Infini account. The system will exchange it into the target fiat currency through partner channels and execute the bank payment.
Q: How are handling fees calculated?
A: The total fee usually consists of an exchange fee and a remittance fee. The page will display relevant fee information before submission. For actual fees, please refer to the submission page and the final order result.
Q: Why must I upload supporting documents?
A: The payment purpose and supporting documents are necessary information in the fiat payout process, used to support review and risk control processing. Please provide corresponding materials based on the actual payment scenario.
Q: Are bank account payouts supported for all countries and regions?
A: The supported scope depends on the actual service capabilities of partner channels, as well as local legal, compliance, and bank network requirements. Please refer to the selectable scope on the page and the actual submission results.
VI. Contact Us
If you have any questions or feedback regarding the [Fiat Payout] feature, please feel free to contact our support team through customer service channels.
Click the small green phone icon in the bottom right corner of the Infini system and select [Message] to contact us.
Disclaimer: The [Fiat Payout] feature is provided by partnered licensed payment institutions. Infini only provides technical platform support and does not directly process the exchange or transmission of fiat funds. The exchange rates and received amounts shown on the page are real-time reference information, and the final results are subject to actual execution. Infini is not responsible for exchange rate fluctuations or discrepancies in received amounts. This service is not provided to users in mainland China, the United States, and other restricted regions, and does not constitute any investment advice. All rules are subject to the official service agreement, and Infini reserves the right of final interpretation.