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.

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.

  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.