Infinia
Infinia is a programmable money-movement API platform enabling cross-border payouts, collections, and multi-currency virtual accounts across Latin America and 200+ countries. It serves fintechs, neobanks, marketplaces, digital wallets, and PSPs with built-in compliance, local rail integrations, and stablecoin support.
- Company typePrivate
- Founded2022
- HeadquartersMontevideo, Uruguay
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Infinia does
Infinia is a programmable money-movement API platform that enables developers to collect, disburse, and orchestrate funds across Latin America and emerging markets through a single unified interface. Founded in 2022 in Montevideo, Uruguay, by co-founders Alejandro Rettig (CTO) and Ianai Urwicz (CEO), the company connects traditional clearing rails (PIX in Brazil, SPEI in Mexico, Transferencias 3.0 in Argentina, and other regional instant payment systems) with digital ledger technology to deliver 24/7 real-time payouts, collections, and multi-currency virtual accounts across 9+ named LATAM markets with reach into 200+ countries.
The platform is composed of core money-movement products (Virtual Accounts, Payins, Payouts, Internal Transfers) and compliance products (Bank Account Validation, Identity Validation, Claims, Onboarding), supplemented by fiat-to-stablecoin conversion across USDC, USDT, and EURC on multiple blockchain networks and an MCP server that exposes the API to AI code editors. A flexible company/sub-company hierarchy supports B2B, B2B2C, and B2B2B architectures used by payment service providers, digital wallets, and marketplaces. KYC/KYB is delivered through HOSTED, EXTERNAL (SumSub), and SELF_DECLARED modes, with Persona integration announced as coming soon.
Infinia monetizes primarily via transaction fees on API-based money movement, supplemented by recurring virtual-account management fees, FX conversion spreads (with rate-locking capability), and compliance/KYC service fees. Pricing is quote-based with custom multi-year enterprise agreements rather than publicly listed tiers. The go-to-market is API-first and product-led through a developer portal, sandbox, and MCP integrations, paired with an enterprise field-sales motion targeting fintechs, neobanks, global marketplaces, digital wallets, and PSPs. Notable customers include Bridge, OpenFX, EBANX, Despegar, Mastercard, Kast, and Stripe, with institutional backing from Y Combinator, Bain Capital, Variant, Lattice, Tekton, Decacorn, and Broadhaven.
Infinia firmographics
Firmographics- Name
- Infinia
- Legal name
- Infinia
- Website
- https://infiniaweb.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Infinia is a programmable money-movement API platform enabling cross-border payouts, collections, and multi-currency virtual accounts across Latin America and 200+ countries. It serves fintechs, neobanks, marketplaces, digital wallets, and PSPs with built-in compliance, local rail integrations, and stablecoin support.
- Ownership category
- akta.pro rank
Infinia industry classification
Industry- Product category
- Cross-Border Payments Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)
- akta.pro secondary industries
- Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Cross-Border & FX Payments Platforms (BPAMAFAK), Crypto-Enabled Cross-Border Transfers & On/Off-Ramps (FSAGAKAO), Crypto Remittance & Cross-Border Money Transfer Providers (FSADAIAD), Digital Account Opening & Onboarding (eKYC, eSignature, Origination) (FSAGAAAB)
Keywords
Where Infinia is headquartered
LocationHeadquarters
- HQ city
- Montevideo
- HQ country
- Uruguay
- HQ region
- Latin America
Markets served
Infinia business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- API Transaction Fees: Revenue generated from processing payments, collections, and disbursements through the Infinia API. The platform charges for money movement operations including payins, payouts, and internal transfers with optional FX conversion. Supports both fiat and crypto on-ramp/off-ramp flows.
- Virtual Account Management: Fees associated with issuing and managing multi-currency virtual accounts across Latin American markets for corporate treasury and wallet operations
- FX Conversion Services: Revenue from currency conversion between fiat and stablecoins with optional rate locking for cross-border treasury and settlement operations
- Compliance and KYC Services: Fees for identity validation, bank account verification (VoP), and KYC/KYB compliance services integrated into the account onboarding flow
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | API-based pricing with no public tier structure disclosed |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Infinia product offering
Product offeringCore offering
Infinia is a programmable money-movement API platform that connects traditional clearing rails with digital ledger technology to enable cross-border payouts, collections, and multi-currency virtual accounts. Through a single unified API, the platform lets businesses collect funds in local currencies, open multi-currency virtual accounts, execute payouts to users/merchants/counterparties, convert balances with FX rate locking, and support fiat and stablecoin on/off-ramp flows across Latin America and emerging markets.
Product overview
Infinia is a programmable money-movement API platform for developers, focused on Latin America and emerging markets. The unified platform comprises core money movement products (Virtual Accounts, Payins, Payouts, Internal Transfers) and compliance products (Bank Account Validation, Identity Validation, Claims, Onboarding). Through a single API, Infinia enables collecting funds in local currencies, opening multi-currency virtual accounts, executing payouts to users/merchants/counterparties, converting balances with FX rate locking, and supporting fiat/crypto on-ramp and off-ramp flows. An Open Issuance Platform is announced as coming soon.
Differentiator
Problem solved
Functional benefit
Products and services
- Virtual Accounts Multi-currency virtual account infrastructure enabling platforms to hold local balances, orchestrate corporate treasuries, and segment user wallets across Latin America and emerging markets via a single unified API.
- Payins (Collect) Dynamic funding instruction creation for one-time payments with fixed amounts and expiration times, enabling fixed-value checkout payments through local payment rails such as PIX, SPEI, and Transferencias 3.0.
- Payouts (Disburse) Execution of one-time transfers to external counterparties in fiat or crypto, enabling disbursements to merchants, partners, suppliers, or end-users with real-time settlement.
- Internal Transfers Fund transfers between Infinia virtual accounts with optional FX conversion and rate locking, enabling treasury operations and on/off-ramp flows.
- Bank Account Validation Bank account validation service to verify accounts are active and confirm ownership (Verification of Payee) before making payouts or registering trusted counterparties.
- Identity Validation Identity verification service for individuals or businesses to validate existence, confirm registration data accuracy, and check document flagging for compliance and fraud prevention during onboarding.
- Claims Claims and dispute management service for monitoring chargeback requests, managing fraud reports on accounts, and responding to funds requests from institutions.
- Onboarding Programmatic customer onboarding into the Infinia platform, including KYB capabilities and product access requests, enabling operations to be performed on the customer's behalf.
Quantifiable outcome
- Deploy financial infrastructure in weeks rather than years
- +1 more outcomes
Companies that use Infinia
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles4 records
Infinia technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability1 record
Feature11 records
Infinia partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and flagship.
- MastercardcoreInfinia is listed as a trusted partner on the Infinia website and appears to participate in Mastercard's Crypto Partner Program, a global initiative connecting digital assets to global payments through Mastercard's established card rails and commerce flows.
- StripeflagshipStripe is listed as a trusted customer and partner of Infinia, indicating integration or co-marketing relationship within the payments ecosystem.
- BridgeflagshipBridge is listed as a trusted customer of Infinia, utilizing the money movement and virtual account infrastructure for their financial services operations.
- OpenFXflagshipOpenFX is listed as a trusted customer using Infinia's infrastructure for cross-border payment operations.
- EBANXflagshipEBANX is listed as a trusted customer leveraging Infinia's infrastructure for Latin American payment operations.
- DespegarflagshipDespegar, a major Latin American travel company, is listed as a customer using Infinia's infrastructure for payment collections and disbursements.
- KastflagshipKast is listed as a trusted customer utilizing Infinia's money movement and virtual account infrastructure.
- SumSubcoreSumSub is Infinia's supported external KYC provider for identity verification. Infinia integrates with SumSub using the Copy Applicant share token for EXTERNAL KYC mode, allowing customers who have completed KYC with SumSub to reuse their verification.
Scale indicators4 records
Recent moves7 records
Expansion highlights6 records
Infinia competitors and assessment
Company assessmentDirect peers
- dLocal: dLocal is the most direct public-market comparable: a cross-border payments platform focused on emerging markets, offering local payment method acceptance, payouts, and multi-currency settlement across LATAM, APAC, and Africa — overlapping nearly 1:1 with Infinia's core product, target customers (global PSPs and marketplaces), and geographic specialization.
- EBANX: EBANX is a LATAM-specialized cross-border payments processor offering local payment method acceptance, payouts, and B2B flows across Brazil, Mexico, Argentina, Chile, Colombia, and Peru. Directly comparable to Infinia in geography, customer segments (global merchants, PSPs, digital wallets), and product scope, and notably is itself listed as an Infinia customer.
- Pomelo: Pomelo is a LATAM-based fintech-as-a-service platform offering issuing, accounts, and embedded finance infrastructure across the region. Comparable to Infinia as a developer-first LATAM financial infrastructure layer serving neobanks and fintechs, though more focused on card issuing and accounts than cross-border payouts.
- Belvo: Belvo is a LATAM open finance API platform providing bank account aggregation, payment initiation, and KYC data access across Brazil, Mexico, Colombia, and other LATAM markets. Comparable to Infinia in developer-first LATAM financial infrastructure positioning and overlapping customer base of fintechs, neobanks, and lenders.
- Bridge (Stripe-owned): Bridge is a stablecoin-native API platform for issuing, treasury, and cross-border payments, acquired by Stripe. Directly comparable to Infinia in the stablecoin/fiat on-off-ramp and API-first money movement space, and is listed as both a customer and competitor.
- BVNK: BVNK is a payments infrastructure provider combining traditional banking rails with stablecoin settlement for enterprise cross-border payments. Comparable to Infinia in the hybrid fiat/stablecoin cross-border B2B payments positioning and enterprise customer target segment.
- Bitso: Bitso is the largest LATAM crypto exchange and payments platform, operating across Argentina, Brazil, Mexico, and Colombia with crypto/fiat on/off-ramps and B2B cross-border payments. Comparable to Infinia in LATAM-focused fiat-crypto bridge infrastructure for PSPs and fintechs.
Emerging players
- Conduit Pay: Conduit is a developer-first LATAM payments API for cross-border payouts, FX, and local payment method acceptance. Comparable to Infinia as an emerging LATAM-focused cross-border payments API targeting fintechs and marketplaces, though smaller and less geographically comprehensive.
- MoonPay: MoonPay is a fiat-to-crypto on/off-ramp provider serving wallets, neobanks, and consumer applications globally. Comparable to Infinia in the developer-first crypto/fiat conversion and API-first money movement space, and increasingly in the enterprise B2B cross-border use case.
Broad incumbents
- Stripe: Stripe is the global incumbent in developer-first payment infrastructure, with growing LATAM and stablecoin capabilities (acquired Bridge). Comparable to Infinia in API-first payments GTM, target customer (developers and global platforms), and core product capabilities — though Stripe is a much broader horizontal platform.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Infinia social profiles
Digital presenceInfinia financial estimates
Financial estimateRevenue estimate
Valuation estimate
Infinia leadership team
Management profileNumber of profiles
Profiles2 records
Infinia funding detail
Funding detailFunding overview
Funding rounds3 records
Investors12 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Infinia M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Infinia
What does Infinia do?
Infinia is a programmable money-movement API platform that connects traditional clearing rails with digital ledger technology to enable cross-border payouts, collections, and multi-currency virtual accounts. Through a single unified API, the platform lets businesses collect funds in local currencies, open multi-currency virtual accounts, execute payouts to users/merchants/counterparties, convert balances with FX rate locking, and support fiat and stablecoin on/off-ramp flows across Latin America and emerging markets.
Is Infinia a public or private company?
Infinia is a private company. It is classified as venture growth investor backed and is currently operating.
When was Infinia founded?
Infinia was founded in 2022. It employs 11 to 50 people.
Where is Infinia based?
Infinia is headquartered in Montevideo, Uruguay, in the Latin America region.
How does Infinia make money?
Four revenue lines are on record. API Transaction Fees are the primary driver. The others are virtual Account Management, FX Conversion Services and compliance and KYC Services.
Who are Infinia's main competitors?
Direct peers on record are dLocal, EBANX, Pomelo, Belvo, Bridge (Stripe-owned), BVNK and Bitso. Emerging players are Conduit Pay and MoonPay. Stripe is listed as a broad incumbent.
Does Infinia have an API?
Yes. Infinia is a programmable money-movement API for developers focused on Latin America. Through a single unified API, it enables collecting funds in local currencies, opening local-currency virtual accounts, paying out to users/merchants/counterparties, converting balances and locking FX rates, building fiat and crypto on- and off-ramp flows, supporting cross-border treasury and settlement operations, validating bank accounts and ownership (VoP), and verifying user/business identities. Developer documentation is at docs.infiniaweb.com/reference/introduction.
What industry is Infinia in?
Infinia's product category is Cross-Border Payments Infrastructure. Its primary akta.pro industry code is FSAGABAK, Cross-Border FX, Multi-Currency & Treasury for Payments, with a secondary code of FSAMAIAG, Multi-Currency Accounts, Wallets & IBAN Services. Its NAICS code is 522320 and its SIC code is 6199.