/Companies

Infinia

YC W23

New York, US · Founded 2023 · 28 employees · Hiring · 20 known investors

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Infinia provides digital finance infrastructure that connects traditional banking networks with digital asset rails, enabling cross-border settlement and real-time treasury operations for enterprise customers in emerging markets. The platform bridges fiat payment systems with blockchain infrastructure across Latin America, Africa, and Asia.

Also known as Infinia Holdings Limited · Infinia

Founders & leadership· Y Combinator alumni (W23)

Infinia was founded in 2023 by Ianai Urwicz and Alejandro Rettig.

IUIanai Urwicz
Ianai UrwiczFounderIanai Urwicz has over a decade of experience in payments, banking, and telecom, including management roles at financial institutions and technology providers. He is CEO of Infinia, a digital finance infrastructure platform connecting traditional banking with blockchain-based digital asset settlement for enterprise customers in emerging markets.
ARAlejandro Rettig
Alejandro RettigFounderAlejandro Rettig has worked for over 25 years in fintech and telecom, including roles in R&D, product management, and sales, with experience leading teams and shipping products across Latin America, Africa, and Asia. He is CTO of Infinia, which provides digital finance infrastructure connecting traditional banking networks with blockchain systems for cross-border settlement.

Investors · 20

Broadhaven Capital PartnersreportedNew York

How we know: Y Combinator's founder network · Not right? Tell us

G2 Momentum CapitalreportedMexico City

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Hi2 Global Venture Fundreported

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Power E HoldingsreportedHouston

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Rebel FundreportedSan Francisco · $100K – $5M

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SD ParticlesreportedSan Francisco

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Funding

SEC filings, press & company announcements

$13.5M disclosed across 1 of 2 rounds · 2025–2026

Source: company announcements and press reports — follow each round's link for the claim.

Company profile

researched Aug 2026

Infinia provides money movement and account infrastructure that connects traditional bank clearing rails with digital ledger technology through a single API. Its stack covers cross-border payouts, local collections, KYC, currency conversion and multi-currency virtual accounts, with local regulatory and banking requirements handled by the platform rather than by the customer. The company positions this as a way for businesses to expand into new markets without establishing local corporate entities or absorbing the operational overhead of market-by-market KYC, KYB and banking mandates.

The product set comprises four main components: a global payments infrastructure layer connected to real-time local clearing networks such as PIX, SPEI and Transferencias 3.0, with embedded multi-market virtual accounts and automated on/off-chain FX netting; virtual accounts offering banking-as-a-service style multi-currency balances, corporate treasury orchestration and segmented user wallets; a disbursement product for high-throughput real-time payouts to merchants, partners, suppliers and end users; and a collections product enabling local fiat acceptance via instant bank networks and alternative digital rails. Infinia also markets an Open Issuance Platform. Customers can obtain sandbox access or work with a solutions engineering team, with deployment described in weeks.

Business model

Infinia sells API-based financial infrastructure to businesses, providing collection, conversion, compliance and payout capabilities plus virtual accounts as a software layer embedded in customers' own applications, with local licensing and banking relationships supplied by Infinia.

Traction

The website reports 9+ markets with named virtual accounts, 200+ countries reachable for payments, and 100% real-time money movement, and names Stripe, Bridge and Despegar as companies it works with.

Latest developments

Infinia announced a $13.5M Series A led by Bain Capital and Variant Fund to connect traditional banking with digital assets in emerging markets, and a partnership with Open Standard to bring Open USD (OUSD) infrastructure to emerging markets, with Infinia acting as the translation layer between local banking grids and Open USD.

▸Full profile — market position, technology, go-to-market, geography, history

Market position

Infinia describes itself as a compliance-first translation layer between local banking grids in high-growth markets and digital asset infrastructure, and cites Stripe, Bridge and Despegar among the companies it serves.

Infinia frames its differentiation as natively embedded local compliance and banking requirements across fragmented emerging markets, combined FX netting across on-chain and off-chain venues, and the ability to deploy multi-country banking-as-a-service capabilities without local legal entities — all through one API.

Technology

The platform links real-time local clearing networks (PIX in Brazil, SPEI in Mexico, Transferencias 3.0 in Argentina) with digital ledger technology and stablecoin rails, exposed via one unified API. It includes automated on/off-chain FX netting engines intended to avoid trapped liquidity, automated issuance and management of multi-currency virtual accounts, programmable money movement, embedded KYC/KYB compliance controls, and round-the-clock atomic settlement that bypasses correspondent banking chains.

Go-to-market

Direct enterprise sales through demo bookings and a solutions engineering team, supported by self-serve developer entry points such as public documentation and instant sandbox access, plus content marketing via a company insights blog and infrastructure partnerships.

Fintechs and neobanks, global marketplaces with multi-sided payout needs, and digital wallet operators requiring on/off-ramps, automated compliance and cross-border settlement.

Geography

Named virtual accounts are available in 9+ markets and payments can be sent to 200+ countries. The company emphasizes Latin America and other emerging markets, referencing local rails in Brazil, Mexico and Argentina.

History

The company is a Y Combinator alumnus and has published announcements covering its Series A financing, its Open Standard partnership, and its positioning around programmable money.

Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.

Key figures

latest reported
Countries reachable for paymentsJan 2025200
Markets with named virtual accountsJan 20259 markets

Company-reported or press-reported figures, each dated to when it was claimed — not independently audited.

Images

Infinia photo

Timeline · 2

launches, deals, and filings
Jan 2025
Infinia secures $13.5M Series A

Series A round led by Bain Capital and Variant Fund to connect traditional banking with digital assets across emerging markets.

$13.5M source ↗

Jan 2025
Partnership with Open Standard on Open USD infrastructure

Infinia and Open Standard partnered to bring Open USD (OUSD) infrastructure to emerging markets, with Infinia acting as the translation layer connecting local banking grids with Open USD infrastructure.

source ↗

Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.

Legal entities · 1

corporate structure
Infinia Holdings Limited

In the news

▸Research sources · 1

primary sources listed

1 public sources were cited for this profile; the first-party ones are listed here.

Frequently asked questions

What does Infinia do?
Infinia offers a unified API for cross-border collections, payouts, FX and multi-currency virtual accounts in emerging markets.
Who founded Infinia?
Infinia was founded by Ianai Urwicz, Alejandro Rettig in 2023.
Who are Infinia's investors?
Infinia's investors include Lattice Capital, Variant Fund, Y Combinator, Bain Capital, Reverie, Tekton Ventures, Flucas Ventures, Kube VC and 12 more.
How much funding has Infinia raised?
Infinia has disclosed $13.5M raised across 1 of its 2 known rounds.
Where is Infinia headquartered?
Infinia is headquartered in New York, US.