I. Feature Overview
To help cross-border SMBs and independent developers manage outgoing payments more efficiently and securely, Infini has launched a new Bill Pay feature — including invoice upload with AI recognition, Quick Transfer, and Batch Transfer. With these tools, your team can reduce manual data entry, skip the back-and-forth approval chasing, provide additional review mechanisms for large transfers, process bulk payments in one go, and keep receipts archived automatically.
This update introduces a unified approval mechanism covering major outgoing payment scenarios, with a clear separation between approval authority and execution authority. Every outgoing transaction — including bill payments, stablecoin/fiat quick transfers, corporate card applications, and credit limit adjustments — is subject to strict risk controls. Each step is recorded with a full audit timeline, synced in real time, and permission-controlled. All operation logs are available for financial audits, significantly reducing the need to chase approvals through chat apps.
II. Pain Points Addressed
Manual invoice entry is tedious. Supplier invoices come in all formats, requiring finance staff to manually enter payee details, amounts, and due dates — a process prone to errors and highly inefficient.
Approvals rely on chasing, with no transparency. Historically, approvals depended on repeated follow-ups via WeChat, Slack, or other messaging tools. Without a unified online workflow, approval status was opaque and accountability was difficult to trace when issues arose.
Weak risk controls and disconnected approvals. Traditional payment processes lack a unified online approval flow, or conflate approval and execution permissions, creating financial security risks and failing to meet enterprise risk management and audit requirements.
Large on-chain transfers carry significant mental burden. When handling large on-chain transfers, operators typically need to send a small test transaction first, confirm receipt, and then send the full amount — a cumbersome process that is easy to overlook.
III. Key Highlights
Invoice Upload with AI Recognition. Upload supplier invoice files (PDF, image, etc.) and AI automatically identifies and extracts key information — amount, currency, due date, supplier name — to generate a pre-filled invoice draft. This significantly reduces manual entry and reduces errors at the source.
Full Audit Trail, Always Available. Every step — from submitting a request and approving it, to executing the transfer — is logged with the operator's identity and a timestamp, displayed as a visual timeline. Finance teams and management no longer need to dig through chat histories; the complete approval trail is always at hand.
Flexible, Unified Approval Policies. Admins can configure custom approval rules to fit business needs — for example, setting amount thresholds, requiring mandatory approval for first-time payments to new payees, or enabling auto-approval for small transactions — enabling intelligent risk management.
Separation of Approval and Execution. Once a Manager approves a request, the actual fund transfer is carried out by a designated executor (typically an Admin or assigned finance staff), helping reduce risks associated with approval and execution overlap.
Batch Transfer with Inline Correction. Upload an Excel file to initiate multiple on-chain transfers at once. The system validates each row automatically; any formatting errors or unsupported chains/tokens are flagged and can be corrected directly in the right-side edit drawer — no need to re-upload the entire file.
Automatic Trial Transfer for Large Payments. Set a custom threshold for on-chain transfers. When a single transfer exceeds the configured amount, the system automatically sends a small trial transaction first. Once the recipient address is confirmed valid, the remaining balance is sent — eliminating the anxiety of "what if I sent it to the wrong address."
IV. Role Overview
Infini's approval workflow uses a three-tier role structure, with each role carrying distinct responsibilities within a single transfer:
Role | Typical Users | Key Responsibilities |
Requester (Employee) | General staff, business team members | Initiate transfer requests or submit invoices; fill in payee details, amount, and purpose; await approval after submission |
Approver (Manager) | Finance manager, department head | Review and approve or reject requests in the Approval Center; access full request details and attachments |
Executor (Admin) | Administrator, CFO | Execute actual fund transfers after approval; confirm real-time exchange rates for fiat transfers |
A single user may hold multiple roles simultaneously. For example, an Admin has both approval and execution permissions by default. Role assignments are configured by the Admin in Team Member Management.
V. How-To Guide
Set Up Approval Rules (Recommended for Admins First)
Go to Team and click Approval Settings (visible to Admins only). Here you can configure:
Approvers & Approval Deadline: Select members with approval permissions and set the approval timeout (default is 30 days; adjustable from the dropdown as needed).
Auto-Approval Threshold: Set an amount threshold below which requests skip the approval step and proceed directly to execution.
Executors & Execution Deadline: Select members with execution permissions and set the execution time limit.
Trial Transfer Conditions (On-chain withdrawals only): For large on-chain transfers, configure a trigger amount and trial amount. When a single on-chain withdrawal exceeds the threshold, the system will automatically send a small trial transaction first to verify the recipient address before releasing the full amount.
Click Save Changes to apply your settings.
Upload Bills
1、Go to Bill Pay in the left navigation bar and select Upload Bills. Upload the supplier invoice file (PDF, image, and other formats supported).
2、The AI assistant automatically recognizes and extracts the basic invoice information (amount, currency, due date, supplier, etc.).
3、Review the AI-extracted results and complete or correct any details in the Invoice Details panel.
4、The system provides the appropriate payment method based on the invoice currency:
a. Stablecoin currency: Choose On-chain Withdrawal or Internal Transfer. For on-chain withdrawal, select a saved address from Payee Management or enter a new on-chain address manually.
> Important: AI recognition may not be 100% accurate. An incorrect address in a crypto transfer will result in permanent loss of funds. Please verify every character carefully.
b. Fiat currency: The system automatically switches to fiat payment mode. Review the invoice details and click Save. Select a payment method and payee — you can choose an existing payee or create a new one without leaving the flow. Select the stablecoin currency and fill in the Payment Purpose (required).
>Important: Payee information created here will be automatically saved to Payee Management upon approval for future reuse.
Once everything is confirmed, click Submit to enter the approval workflow. If you are not ready to submit, click Save to Drafts to continue editing and submit later.
Invoice Workflow After Submission
The request moves to the Pending Approval tab. Members with approval permissions will see it in their list and receive an email notification. They can Approve or Reject the request (rejection requires a reason; the requester is notified automatically).
After approval, you may choose to save the new payee address for future use.
Once approved, the request moves to the Pending Payment tab, where any member with execution permissions can process the payment.
After successful execution, the invoice status can be viewed in the Paid tab. Click on any entry to view the full approval timeline.
If a request expires, the payment deadline passes, or approval is rejected, it will appear in the Failed tab. Re-initiating a failed request directly is not currently supported — please create a new request to retry the payment.
Quick Transfer
Quick Transfer differs from invoice upload in that no invoice file is required — you can enter transfer details directly.
Click Initiate Transfer on the Bill Pay page. Three transfer types are supported:
On-chain Withdrawal (To Wallet): Transfer USDT/USDC to an on-chain address
Fiat Payment (To Bank): Convert USDC balance to the target fiat currency and send to the payee's bank account
Internal Transfer (To Infini User): Send to another Infini user; arrives instantly
To Wallet
Select a saved payee from Payee Address or enter an address manually.
Select the network and token, enter the transfer amount. The system displays the total stablecoin amount you will pay (including fees).
Upload any attachments if needed.
Click Submit. The system routes the request to the appropriate approver based on your approval policy.
To Bank
Select a payee with saved bank account information.
Select the transfer channel.
Enter the transfer amount. The system displays the total stablecoin amount you will pay (including fees).
Select the payment purpose and category.
Upload an invoice or contract to ensure complete payment documentation.
Click Submit. The system routes the request to the appropriate approver based on your approval policy.
To Infini User
No fees apply for transfers to Infini users. Enter the recipient's UID, input the transfer amount, and submit to enter the approval workflow.
The approval and payment process for Quick Transfer follows the same flow described above.
Batch Transfer (On-chain Withdrawals Only)
For scenarios requiring bulk on-chain token distribution — such as sending stablecoin payroll to multiple recipients — Infini provides a Batch Transfer feature. The current version supports on-chain stablecoin transfers only; bulk fiat payments are not yet supported.
Steps:
1、Go to the Batch Transfer page and click Download Template in the top right corner to get the official Excel template.
2、Always use the official template. Using a non-official Excel format may affect recognition accuracy. The current version supports on-chain withdrawals only. Do not enter Infini UIDs or internal transfer recipients.
3、Fill in the required fields: recipient, amount, chain_id, token. The fields note and tag are optional.
4、Complete the template with recipient addresses, transfer amounts, and chain/token information, then upload the file.
Important: The current version does not support draft saving or task recovery for batch transfers. If you close the edit drawer or browser tab mid-process, all unsaved changes will be lost and you will need to re-upload the file. We recommend completing all edits in a single session before submitting.
6、The system validates each row automatically. Any formatting errors or unsupported chains/tokens are highlighted in red in the right-side edit drawer. You can correct the data inline without re-uploading the entire file. The Continue button becomes available only after all rows pass validation.
Once everything looks correct, click Continue and submit for approval. After approval, all entries are queued as a single batch for the executor to process.
VI. FAQ
Q: What file formats are supported for invoice uploads?
A: PDF, PNG, JPG, DOC, and XLSX formats are supported. The maximum file size is 10 MB per file, with up to 5 files per upload.
Q: Why is my Submit button grayed out and unclickable?
A: This occurs when the AI-extracted information is incomplete — for example, if the payee was not recognized, the invoice number is missing, or the payee is a new supplier whose bank details have not been filled in yet. Click the Edit button below the invoice, complete all required fields marked with an asterisk (*), and the button will become active.
Q: Will funds be transferred automatically after approval?
A: No. After approval, the request moves to the Pending Payment list and must be manually executed by a member with execution permissions (typically an Admin) by clicking Execute Transfer. For fiat transfers, the executor must also confirm the exchange rate within the 15-minute rate lock window before funds are deducted and sent.
Q: Can I withdraw an invoice after it has been submitted?
A: Withdrawal is not currently supported after an invoice has been submitted. If the information is incorrect, please upload a new invoice and restart the approval process. The original invoice will be automatically voided upon expiry — no additional action is required.
Q: How long is the approval timeout?
A: The default approval timeout is 30 days. Admins can adjust this in Approval Settings based on business requirements.
Q: Does Batch Transfer support fiat payments?
A: The current version of Batch Transfer supports on-chain withdrawals (stablecoin transfers) only. For bulk fiat payments, please use individual fiat Quick Transfers.
Q: Is the trial transfer amount deducted from the total transfer amount?
A: Yes. Once the trial transfer is confirmed successful, the system deducts the trial amount from the approved total and sends only the remaining balance. The recipient's final received amount equals the original requested amount.
Q: What happens if the trial transfer fails?
A: If the trial transfer fails (e.g., invalid recipient address, unsupported chain), the system automatically cancels the full transfer request and notifies both the requester and executor. Please verify the recipient address and submit a new transfer request.
VII. Contact Us
If you have any questions about Bill Pay or the approval workflow, please reach out to our support team at any time:
Click the green phone icon in the bottom-right corner of the Infini interface and select Message to start a live chat.
Disclaimer: Bill Pay and fiat transfer services are provided by payment providers Infini provides platform technology support only and does not directly handle the conversion, settlement, or transmission of fiat funds. Exchange rates, deduction amounts, and fees displayed on the platform are real-time reference figures; final results are subject to actual credited amounts. This service is not available to users in mainland China, the United States, or other restricted jurisdictions.