Infini Business Review: Is a 0.4% Stablecoin Checkout Worth It for Your Company?

Infini is a Hong Kong fintech that runs payments, accounts and cards on stablecoins. Its compliance statement names BP SG Investment Holding Limited in Causeway Bay as the operator, licensed as a Trust or Company Service Provider in Hong Kong (TC010232), with group companies registered as money services businesses with FinCEN in the US (Cynosure Technology LLC) and FINTRAC in Canada (INFINIGROWTH DIGITAL INC.). It describes itself as a technology provider: bank accounts, card issuing and fiat conversion come from partner institutions such as Lead Bank and Banking Circle. It is not a bank, and nothing you hold is covered by deposit insurance.

Infini Business is the company side of the platform. One workspace takes customer payments through a hosted checkout, payment links, invoices or an API; holds the proceeds as USDT or USDC; pays suppliers and staff by bank transfer or on-chain; and issues virtual corporate cards. Infini says it serves more than 100,000 users, and it announced a $6 million seed round in September 2026. Individuals use a separate Infini Personal account; payments acceptance, team permissions and corporate cards exist only on Business.

Infini Checkout offers up to five methods, switched on in Payment Settings or chosen per order through the API: Pay with Crypto (USDT and USDC, with one-click connection to more than 530 wallets on non-TRON networks), Binance Pay, Visa and Mastercard cards, Apple Pay and Google Pay. Card and wallet payments are taken in eight currencies, including USD, EUR, GBP, HKD, SGD and JPY; the customer pays in their own currency and you receive stablecoins, which Infini settles at T+0. Crypto and Binance Pay orders can be as small as 0.1 USDT; card orders run from $16 to €3,000.

You can sell through hosted checkout pages, payment links, invoices and subscriptions, or connect a store with Infini's plugins for Shopify, WooCommerce and Shoplazza. Developers get an API, webhooks and a sandbox that needs no verification. A new account can take live payments straight away, but only up to USD 3,000 a month until the company passes business verification. Infini detects each on-chain payment and credits it to your balance automatically. Infini Checkout isn't supported in mainland China, Russia and the other countries on Infini's restricted list.

Infini charges only on successful payments, with no monthly or software fee. On the Standard tier, a stablecoin or Binance Pay payment costs 0.40%; a card, Apple Pay or Google Pay payment costs 3.7% plus that base rate, 4.10% in total. Take $10,000 of sales in a month: all in stablecoins it costs $40, or $30 at the Professional rate of 0.30%; all by card it costs $410. The card rate is high next to typical card processors, so the case for Infini rests on customers who pay in crypto.

Getting the money to a bank adds its own fees, and Infini publishes two versions. The pricing page lists 0.20% plus $1 for ACH, $20 for a wire, $25 for SWIFT and €1 for SEPA; the help centre's fee schedule lists a 0.20%–0.40% base rate plus $3 for ACH, $25 for a wire, $35 for SWIFT and $3 for SEPA. Paying out $10,000 by ACH therefore costs between $21 and $43. The confirmation screen shows the fee that applies, so check it before your first payout. On-chain withdrawals cost only the network fee, and transfers to other Infini accounts are free.

Your tier sets the base rate on payments and bank transfers. The pricing page puts Professional (0.30%) at $10,000 of 30-day volume or balance, and Elite (0.20%) at $100,000. On that reading, a business taking $10,000 a month moves up to Professional after its next daily assessment. The help centre's tier article, updated the same week, says tiers depend on balance alone, with Professional above $100,000 and Elite above $1 million.

The higher tiers also add priority support, advanced reporting and team management (Professional) and a dedicated account manager and custom integrations (Elite), and they unlock the Lite Plus corporate card. Check the My Tier page in your account for the threshold Infini actually applies to you before you plan around the lower rate.

Stablecoins can go straight to any external wallet for the network fee, or to another Infini account for free, with approval rules you set for each team member. To reach a bank, you apply for virtual accounts once verified: Lead Bank for USD by ACH, wire, RTP and SWIFT, and Banking Circle for EUR by SEPA, each $50 to open for a verified company and free to keep, with the fee refunded if the application is rejected. Singapore Gulf Bank offers a free USD account for SWIFT transfers to and from bank accounts in your company's own name only, with a $50 fee on each withdrawal.

The same accounts collect payments: customers and platforms can pay your company-named US account details or IBAN, and the money is converted to USDT or USDC on arrival. Fiat Payout sends stablecoins to suppliers' or staff bank accounts as dollars or euros, showing the reference rate and fee first. Converting between USD and stablecoins costs 0.20% on Standard (0.15% and 0.10% on the higher tiers). Once a virtual account is approved, the daily limit rises to $5 million.

Verified companies can issue up to 100 virtual corporate cards. Lite is issued by a US bank, works with Apple Pay and Google Pay and with strict merchants such as ChatGPT and Claude, and charges 3% on non-USD spending. Lite Plus, also US-issued, charges nothing on foreign currencies but needs the Professional or Elite tier. Pro is issued by a Hong Kong bank and charges 1%. The first card is free, each needs a top-up of at least $10, and all earn 1.5% cashback, paid in stablecoins at the start of the following month. Use a billing address in the card's issuing country, US for Lite and Lite Plus and Hong Kong for Pro, or payments may be declined.

Admins assign each card to a team member, set spending limits, schedule monthly top-ups, get low-balance alerts, and freeze or close cards. Bill Pay reads uploaded supplier invoices with AI to pre-fill the payment, and quick transfers, batch transfers and payroll all run through approval rules that separate whoever approves a payment from whoever sends it, with each step stamped with the person and time for audit.

New Infini Business accounts see a New User Tasks panel, live since 10 April 2026 until further notice. Stage one is your first deposit plus business verification (KYB); with both done, you claim 10 USDT. That unlocks stage two: create your first payment, your first payment link and your first business card, then claim another 10 USDT. Everything must be finished within 7 days of the tasks activating. The rules set no minimum for the deposit, and the business card needs only its $10 starting balance, which stays yours.

Two traps. Tapping Dismiss on the panel may count as giving up the tasks, so leave it open until both rewards are claimed. And only companies verified through KYB qualify; personal ID checks don't count. Tap Claim on our page to open the business sign-up with code AoGxeGc attached, and register in the browser it opens. Disclosure: AoGxeGc is our invite code, and Infini's referral programme may credit us when your business uses the account. It doesn't change your fees or your rewards.

Infini Business accepts business verification only; it stopped taking new personal ID checks for business accounts. You need the company's registration documents, its registered address, details and ID checks for directors, ultimate beneficial owners and authorised representatives, and something that shows what the business does, such as a website, online store, app listing or social profile. The company name must match the registration documents exactly. Progress saves if you stop halfway.

Companies registered in mainland China, Russia, Belarus, Croatia, Slovenia, Serbia, Montenegro, Bosnia and Herzegovina, North Macedonia, Albania, Kosovo, Lebanon, Iraq, Iran, Syria, Cuba, North Korea, Venezuela, Myanmar and several African countries can't pass KYB. Infini's campaign notice also says the service isn't available in the United States. Countries not on the list can apply, but Infini says approval always follows its own compliance review, and the bank accounts have extra exclusions, including Japan, Malaysia, Nigeria, Pakistan and Ukraine.

Your balance is a figure in Infini's internal ledger, backed by stablecoins in wallets Infini controls. Each account gets its own deposit addresses, after which Infini may sweep funds into consolidated wallets. Those wallets use MPC signing from Safeheron, and the day-to-day ones are hot wallets connected to the internet. Infini's own FAQ says the technical separation doesn't by itself make your assets legally segregated from Infini's, its terms say it doesn't lend or invest wallet balances, and its proof of reserves is planned rather than live. For fiat, it says partner banks hold funds in segregated, bankruptcy-remote accounts.

In February 2025 a former developer who had kept admin rights over Infini's yield vault contract drained $49.5 million of USDC. Founder Christian Li pledged to cover users' losses from personal funds, Infini offered the attacker a 20% bounty, and withdrawals stayed open. We found no independent report of how much was recovered. The companion app, Infini: Crypto Card & Pay, had 4.75 stars from only four US App Store ratings and more than 10,000 Google Play downloads, with no rating yet, on 7 November 2026. Treat Infini as a payments rail, not a place to store your company's reserves.

The Terms of Service (last updated 7 July 2026) are governed by the law of whichever Infini entity provides the service, and Singapore law where none is named. Disputes go to confidential arbitration at the Singapore International Arbitration Centre after an attempt to settle informally. Infini's liability is capped at the greater of the fees you paid for the service in the three months before the claim and USD 100.

Infini can restrict, suspend or close an account for compliance, sanctions, risk or partner reasons, and pending transactions are then handled under its rules. Before closing an account yourself, settle pending payments and refunds and move your stablecoins out. With liability capped this low, the practical protection is not leaving more on the platform than you need to run the business.

Use it if you run a registered online business, SaaS product or digital-goods shop outside Infini's restricted countries, and a meaningful share of your customers already pay in USDT, USDC or through Binance Pay. At 0.40% or less per payment with real-time crediting, it is a low-cost way to accept them, and the corporate cards help if your team pays AI, cloud or advertising bills in dollars. Finish the new-user tasks in the first week and the 20 USDT covers your first card's top-up twice.

Skip it if most of your customers pay by card, because 4.10% is costly; if you need deposit protection or a regulated bank account; if you trade as a freelancer without a company; or if your company is registered in mainland China or another restricted country. And whatever you choose, sweep balances out regularly rather than keeping reserves on the platform.