I. Feature Overview
To help business users complete payments to cross-board bank accounts more efficiently, we have introduced [Fiat Payout]. When you create a payout in Infini Business, you can use the USDC balance in your account to submit a payment request, while the partner channel handles the destination fiat conversion and bank transfer process. You can complete the payment purpose selection, supporting document upload, and review of the estimated exchange rate and recipient amount in one flow, making cross-border fiat payouts easier to manage and track.
II. Pain Points Addressed
Tedious traditional cross-border wire processes: When businesses pay cross-border suppliers, employees, or partners, they may need to prepare documents offline, enter extensive bank details across multiple systems, making the process potentially complex and costly.
Stablecoins do not cover every recipient scenario: Some recipients may be restricted from accepting stablecoins and can only receive funds through local bank accounts
Fees and recipient amounts are not clear enough before submission: Before a payment is submitted, users may not have a clear view of the exchange rate, fees, and actual recipient amount — when this occurs, budgeting and reconciliation can be less efficient.
Compliance documents are scattered: Cross-border payouts often require a payment purpose and supporting documents. If these materials are collected and uploaded in inconsistent ways, the review process can be delayed.
III. Key Highlights
Direct USDC-to-fiat payout flow: You can use the USDC balance in your Infini account to submit a payout request, and the partner channel handles the destination fiat conversion and bank transfer process to reduce extra steps.
Clear information entry in one place: In the same submission page, you can select the recipient, enter the amount, choose the payment purpose, add a memo, and upload supporting documents for a more unified workflow.
Real-time rate and fee display: After you enter the payment amount, the system shows the real-time exchange rate, fees, and estimated recipient amount, helping you assess payment costs before submission.
Traceable transaction status: In the transaction history page, you can review the payout status, destination currency, exchange rate, payment purpose, and supporting documents for follow-up and reconciliation.
IV. Step-by-Step Guide
Create a [Fiat Payout]
Go to [Transfer Approval] -> [Fiat Payment] to start the fiat payment process.
In the [Payment Amount] field, enter the stablecoin amount. The system will display the [Real-Time Exchange Rate], [Transaction Fee], and [Amount Received] in sync. Remember to upload the relevant invoice or contract document.
You can also set the recipient first, then enter the amount to be received, and the system will calculate the stablecoins amount you need to send in reverse.
2. After confirming the amount and recipient account details, click [Submit] and complete the transaction by entering the verification code.
View Fiat Payment Transaction Records
Go to [Transactions] to view transaction records related to fiat payments.
V. Best Practices
Confirm recipient details first: We recommend verifying the recipient's bank account information and country or region before submission to reduce failures or returns caused by incorrect account details.
Prepare supporting documents in advance: It is best to organize contracts, invoices, or payment explanations before uploading them to [Supporting Documents], which can help the review process move more smoothly.
Check the displayed figures before submission: Focus on [Real-time Rate], [Fee], and [Recipient Gets] before you submit. If market conditions change or partner-side processing differs, refer to the final execution result and on-page information.
VI. FAQ
Q: Which users can use [Fiat Payout]?
A: This feature is currently available to Infini Business users who have completed identity and business verification. If your business verification is incomplete, the page will prompt you to finish it first.
Q: What asset is used to initiate the payment?
A: The current payout flow is initiated with the USDC balance in your Infini account. The partner channel then converts the funds into the destination fiat currency and processes the bank payout.
Q: How are the fees calculated?
A: The total fee typically includes the conversion fee and the payout fee. The page displays the related fee information before submission. Please refer to the submission page and final order result for the actual fee.
Q: Why do I need to upload supporting documents?
A: The payment purpose and supporting documents are required parts of the fiat payout process and help support review and risk control handling. Please provide the relevant materials based on your actual payment scenario.
Q: Does this support payouts to bank accounts in every country or region?
A: Availability depends on the partner channel's service coverage, local laws, compliance requirements, and banking network support. Please refer to what is available on the page and the actual submission result.
VII. Contact Us
If you have any questions or feedback about [Fiat Payout], 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 Payout feature is operated by licensed third-party payment institutions; Infini acts solely as a technical platform and does not directly handle fiat conversion or fund transmission. Exchange rates and recipient amounts displayed are real-time reference figures; the final result is subject to actual execution, and Infini bears no liability for exchange rate fluctuations or discrepancies in the credited amount. 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.