Infini

Infini is a stablecoin-native financial operating system built for globally distributed businesses. Founded in Hong Kong in 2024 by co-founders Christian Li and Ryan Sun, the platform aims to consolidate the fragmented treasury, payment, payroll, and expense tooling that cross-border companies typically manage across multiple banks and fintech providers. Its tagline captures the core premise: corporate funds should earn yield at every moment they are not actively in transit.

What Problem Infini Solves

Traditional banking infrastructure routes international payments slowly, charges high conversion fees, and holds merchant funds in non-interest-bearing accounts for days pending settlement. Infini targets the gap for Web3 companies, e-commerce businesses, SaaS operators, and DAOs that operate across jurisdictions and need stablecoin-native financial rails. Instead of a T+2 card-network settlement cycle with 1.5-3.5% interchange fees, Infini offers T+0 stablecoin settlement at 0.5-1% fees and keeps idle funds working in yield strategies until the moment they are deployed.

Core Mechanism: EasyEarn

The flagship product, EasyEarn, routes idle stablecoin balances into delta-neutral yield strategies, targeting around 10% APY with T+0 redemption. Users can deposit as little as $1 in USDC or USDT and withdraw instantly, without a lock-up period. The yield is generated by partner quantitative trading teams rather than by on-chain lending protocols, which differentiates Infini's approach from typical DeFi yield aggregators.

The broader treasury layer builds on EasyEarn: businesses can park operating capital in yield-bearing accounts, allocate across strategies via a unified dashboard, and redeem into working capital on demand.

Payment and Collection Infrastructure

Infini provides global fiat collection accounts across 180+ countries and 50+ currencies, enabling businesses to receive payments in local fiat without the expense of maintaining local banking relationships in each market. On the crypto side, the platform accepts USDC, USDT, and EURC as payment currencies, with instant on-chain settlement across supported networks including Solana and Tron. A crypto payment gateway supports stablecoins and Binance Pay for inbound merchant collections.

Payroll and bill pay functionality lets teams approve and execute cross-border transfers to employees and contractors in either fiat or on-chain stablecoin, with compliance-integrated receipt documentation.

AI CFO Layer

Infini layers an AI-assisted finance function on top of its payment and treasury rails. The system automates invoice parsing, receipt reconciliation, transaction categorization, and expense trend reporting. The stated goal is to replace a patchwork of accounting tools within five business days of onboarding.

Corporate Card Program: Now Suspended

Infini previously issued virtual and physical stablecoin-linked corporate cards (Global Card, Lite Card, Tech Card) enabling employees to spend stablecoin balances at Visa and Mastercard merchants worldwide. In June 2025, the company announced the permanent suspension of all card services, citing unsustainable compliance costs relative to near-zero revenue from the card product line. Card opening fees were refunded to users, and Infini redirected focus toward its Earn, payments, and treasury offerings.

Regulatory Licenses and Compliance

Infini holds a Trust or Company Service Provider (TCSP) license in Hong Kong, a Money Services Business (MSB) registration with FinCEN in the United States, and an MSB registration with FINTRAC in Canada. KYC and AML compliance functions are managed in partnership with Cobo, an ISO 27001-certified institutional custody provider. Crypto assets are held in multi-signature MPC wallets, and the codebase has undergone third-party security audits by Exvul.

February 2025 Security Exploit

In February 2025, Infini suffered a $49.5 million exploit. A former developer who had assisted in setting up the platform's smart contracts retained administrative privileges after leaving the organization. More than three months after their departure, that individual used the lingering access to drain funds from the contract; the stolen assets were subsequently converted into approximately 17,696 ETH and routed through Tornado Cash. Infini issued a 48-hour ultimatum offering the attacker a 20% bounty ($9.9 million) for returning the remaining funds and threatened law enforcement cooperation if the offer was refused. Co-founder Christian Li publicly pledged to cover the full loss from personal capital. The incident highlighted the critical operational risk of failing to revoke contractor access after engagement ends.

Solana Ecosystem Engagement

Infini announced a partnership with both the Solana and Tron ecosystems in March 2025, offering exclusive user rewards tied to the integration. The company hosted a Solana ecosystem AMA covering trends and investment opportunities alongside projects building on SVM-compatible infrastructure. USDC on Solana is among the supported deposit and settlement options on the platform.

Scale and Current Status

As of mid-2025 Infini reported 100,000+ users across 180+ countries. The platform operates under a 99.99% uptime SLA. Following the card suspension, Infini is a payment collection, yield, and treasury business rather than a consumer card product; its core non-card services including EasyEarn, global accounts, crypto gateway, and payroll remain active. The operational entity is INFINIGROWTH DIGITAL INC., incorporated in Hong Kong with offices in Causeway Bay.