On April 22, 2026, payments and compliance technology company Infinite announced the launch of 'Infinite Accounts,' a new program offering dedicated bank accounts that seamlessly integrate traditional banking services with stablecoin payment capabilities. The service is powered by Erebor Bank, N.A., a Member FDIC, which provides the regulated banking infrastructure.
The core innovation of Infinite Accounts is its unified experience. Businesses and their end-users receive deposit accounts with full transactional capabilities—including deposits, withdrawals, ACH, and domestic and international wire transfers—alongside native stablecoin functionality. All services are accessible through Infinite's APIs, collapsing the need for multiple banking relationships, compliance vendors, and separate crypto infrastructure into a single platform.
The platform is designed to simplify complex financial operations. For example, a payroll company can pay contractors via traditional ACH or on-chain stablecoin transfers from the same funded account. A treasury platform can receive fiat deposits and programmatically convert them to stablecoins for cross-border settlement.
The partnership with Erebor Bank supports advanced stablecoin capabilities, including minting and burning stablecoins in connection with fiat funds, managing on-chain and off-chain transaction flows across supported blockchain networks, and intelligent routing across payment rails. The platform handles the underlying complexity of wallet infrastructure, provider routing, compliance checks, and reconciliation.
Infinite is targeting third-party platforms, developers, and merchants with its Merchant Developer model. These entities can integrate Infinite's APIs to offer embedded banking and stablecoin services under their own brand, without building the payment infrastructure or managing direct banking relationships themselves.
"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. "Real bank accounts, real payment rails, and stablecoin capabilities – all through one platform that businesses can integrate into their existing workflows."
Important Disclosures: Funds held in the traditional deposit accounts may be eligible for FDIC insurance up to $250,000 per depositor, per insured bank. However, stablecoin products accessible through the platform are explicitly not FDIC-insured, are not bank deposits, and may lose value. The value of stablecoin holdings depends on the reserves backing the specific stablecoin.
