On April 22, 2026, B2B stablecoin payments company Infinite officially launched Infinite Accounts, offering businesses dedicated bank accounts with unique routing numbers that operate across both traditional payment rails and stablecoin networks through a single API.
Core Product: Unified Access to Fiat and Stablecoins
Infinite Accounts is powered by Erebor Bank, N.A., a newly chartered U.S. national bank and Member FDIC. Fiat deposits held through the program may qualify for FDIC insurance up to $250,000 per depositor, per insured bank, per ownership category, subject to pass-through conditions. Stablecoins accessible through the platform are not FDIC-insured, are not bank deposits, and may lose value.
Previously, a business moving money across fiat and stablecoin rails had to manage separate banking relationships, crypto infrastructure providers, and compliance vendors. Infinite collapses these into one platform, with routing, compliance, and reconciliation handled behind the scenes.
Through a single integration, businesses get deposit accounts with full transactional capability: ACH, domestic and international wire transfers, deposits, withdrawals, plus stablecoin mint and burn tied to fiat funds and on-chain flows across supported blockchain networks.
Use Cases and Executive Perspective
For example, a payroll company can pay contractors via ACH or on-chain stablecoin from the same funded account. A treasury platform can receive fiat and programmatically convert to stablecoins for cross-border settlement. The platform handles routing, compliance checks, and reconciliation automatically.
“We built Infinite to make stablecoin payments as easy, if not easier, to adopt as any other payment method,” said Nikhil Srinivasan, CEO of Infinite and former Coinbase and Sardine executive. “Real bank accounts, real payment rails, and stablecoin capabilities, all through one platform that businesses can integrate into their existing workflows.”
Srinivasan co-founded Infinite with CTO Raj Lad. Their backgrounds in crypto compliance and fraud prevention are reflected in the product, which includes built-in KYC/AML monitoring, business verification, AI-driven workflows, fraud prevention, and Customer 360 lifecycle management.
Regulation and Partnership: The Role of Erebor Bank
The program is built around Infinite's Merchant Developer model. Third-party platforms, developers, and merchants integrate via Infinite's APIs and SDKs to offer banking and stablecoin capabilities to their own end users under their own brand, without building payment infrastructure or managing direct banking relationships.
Erebor Bank, N.A. is chartered by the Office of the Comptroller of the Currency and founded by Palmer Luckey, co-founder of Anduril Industries. Backed by Peter Thiel's Founders Fund, Haun Ventures, 8VC, and Lux Capital, the bank is valued at multiple billions of dollars. It opened for business earlier in 2026 and positions itself as a banking layer for the innovation economy, serving crypto-native companies, startups, and high-net-worth clients in AI, defense, and advanced manufacturing.
Erebor has integrated with networks including Sui for direct stablecoin deposits and withdrawals, and offers crypto-collateralized lending and 24/7 blockchain settlement alongside conventional banking services.
For Erebor, the Infinite partnership expands its role as a regulated backend for fintech companies. For Infinite, the relationship means FDIC-insured deposit infrastructure without becoming a bank itself. Infinite Agents, Inc. is a financial technology company and does not hold, control, or take custody of customer funds.
Market Significance
Infinite operates in over 170 countries and is accessible at infinite.dev. A current list of supported stablecoins is available on the company's website. The launch reflects broader momentum in regulated crypto-banking hybrids, where institutional-grade stablecoin services are built on top of chartered bank infrastructure rather than around it.