Fund Flows

Overview

Infinia supports several fund flow patterns depending on whether you are operating a self-use account (your own funds) or a third-party account (funds held on behalf of a client), and whether the flow involves an on-ramp (fiat to crypto) or an off-ramp (crypto to fiat).

The five patterns below cover the standard use cases. Each can be combined with the account structure described in Integration Model.

⚠️
Neobanks and wallets: if you operate a neobank or wallet, payouts must originate from the individual end user's own named account — not from a company omnibus or liquidity account. If you need to fund the payout first, use the pre-funded off-ramp pattern (flow 5): an internal transfer from your liquidity account to the customer's named account, followed by the payout from that account.

1. Self-Use Account — On-Ramp

A company uses its own Infinia account to receive fiat funds and convert them to crypto.

External Bank Account (Company)
        │
        │  Fiat transfer (payin)
        ▼
  Infinia Account (Self-Use)
        │
        │  On-ramp conversion
        ▼
  Infinia Crypto Wallet (Company)

When to use: You manage your own treasury and need to convert incoming fiat receipts into crypto holdings.

2. Self-Use Account — Off-Ramp

A company moves crypto into its own Infinia account and converts it to fiat for outbound payouts.

  Infinia Crypto Wallet (Company)
        │
        │  Off-ramp conversion
        ▼
  Infinia Account (Self-Use)
        │
        │  Fiat transfer (payout)
        ▼
External Bank Account (Company or Vendor)

When to use: You hold crypto and need to settle payments to suppliers, payroll, or other obligations in fiat.

3. Third-Party Account — On-Ramp

A client's funds enter via a third-party Infinia account. The platform can optionally convert those funds to crypto on the client's behalf.

External Bank Account (Client)
        │
        │  Fiat transfer (payin — third-party account)
        ▼
  Infinia Account (Third-Party / Client)
        │
        │  On-ramp conversion (optional)
        ▼
  Crypto Wallet (Client)

When to use: You are a PSP or wallet operator collecting fiat from end clients, optionally routing those funds into crypto positions held on their behalf.

📘
Third-party payin capability must be enabled for the account owner type. See Account Capabilities for details.

4. Third-Party Account — Off-Ramp

Crypto is converted into fiat within a client's third-party account, and the resulting balance is paid out to the client's bank account.

  Crypto Wallet (Client)
        │
        │  Off-ramp conversion
        ▼
  Infinia Account (Third-Party / Client)
        │
        │  Fiat payout
        ▼
External Bank Account (Client)

When to use: You are handling off-ramp on behalf of clients, converting their crypto to fiat and disbursing it directly to their nominated bank account.

5. Third-Party Account — Pre-Funded Off-Ramp

Your company funds a third-party client account from your own self-use account and triggers a fiat payout executed from the client's account.

This is the supported way to run a pre-funded off-ramp: first make an internal transfer from your liquidity (self-use) account to the client's named account, and then execute the payout from the client's account. This keeps the payout originating from the end user's own account, as required for neobanks and wallets.

  Infinia Account (Self-Use / Company)
        │
        │  Internal transfer (pre-funding)
        ▼
  Infinia Account (Third-Party / Client)
        │
        │  Fiat payout
        ▼
External Bank Account (Client)

When to use: When you need to expedite payouts, particularly QR payments which are time-sensitive and may expire if not settled promptly.

⚠️
For ARS accounts, pre-funded off-ramps are only permitted for QR payouts due to regulatory reasons.

Implementing Fund Flows

Regardless of the pattern, the underlying operations map to the following products:

Operation	How it works
Receiving a deposit	When a fiat deposit is credited to a virtual account, Infinia triggers a webhook notification. Listen for the deposit webhook to detect incoming funds in real time.
Converting funds (on-ramp / off-ramp)	Use the Internal Transfers product to move funds between accounts with optional FX conversion. This is the mechanism for both on-ramp and off-ramp flows, as well as pre-funding client accounts.
Sending a payout	Use the Payouts product to transfer funds from a virtual account to an external bank account or crypto wallet.