Infinity

Infinity is a Bengaluru-based banking and payments platform for cross-border businesses in India. Its core product lets Indian freelancers, exporters, e-commerce sellers and startups receive international payments through multi-currency "global accounts" that allow clients abroad to pay in local currency, with settlement into an Indian rupee account. The company advertises support for 160+ countries and currencies, one-day settlement, a flat all-inclusive transaction fee of 0.5% (custom pricing above USD 50,000 per transaction), no FX markup on real-time rates, invoicing and payment-tracking dashboards, and free FIRA (foreign inward remittance advice) documents issued by RBI-authorised banks with each withdrawal.

Beyond payment collection, Infinity offers treasury management: customers can deploy idle cash into low-risk liquid instruments such as government securities and money market funds rather than leaving balances uninvested. The company positions its transfers as up to 70% cheaper than traditional methods by bypassing the multi-hop SWIFT correspondent-banking chain, routing instead over custom rails between a US payment partner and an Indian banking partner. Infinity states it does not hold customer funds itself, with money movement handled through AD-1 authorised, RBI-regulated Tier 1 banks, and it markets collection from platforms such as Upwork and Deel.

The founders have described a longer-term goal of becoming a full-fledged digital bank focused on exports and imports, with an application to the Reserve Bank of India for a payment aggregator–cross border (PA-CB) licence on the roadmap.

Founding story

Infinity was founded in 2023 by siblings Sourav Choraria (Founder/CEO) and Sidharth Choraria (Founder/CTO), their second startup together after co-founding healthcare data analytics company ClinMD in 2016. The founders have said the idea came from their father's small B2B business in Calcutta, West Bengal, which imports inputs from China for manufacturing and exports finished products to markets including the US, the Middle East and Bangladesh, and which experienced the cost and delay of SWIFT-routed international payments. Sourav previously headed growth and product at Paytm Money, scaling it to 20 million monthly active users, and launched an FD-backed secured credit card described as India's first, reaching 100,000 users in a year; he studied at NIT Tiruchirappalli (2013) and worked at MuSigma. Sidharth was an engineer and product manager at Amazon, where he launched the Amazon Appstore in-app purchase module and built an electronic payout system covering app developers in 135 countries, and was a founding engineer at Paytm Travel and platform engineer at MakeMyTrip; he holds a CS degree from Birla Institute of Technology and an MBA in finance from the Indian School of Business.

Business model

Infinity charges a flat, all-inclusive transaction fee of 0.5% on international payments received through the platform, with custom pricing for transactions above USD 50,000, and states it applies no FX markup on top of real-time rates. It additionally offers treasury products that direct customer idle cash into low-risk liquid assets such as government securities and money market funds.

Transaction-based fees on cross-border collections (flat 0.5% all-inclusive, negotiated for large tickets), alongside treasury/investment services for idle business cash. Inc42 reports revenue of ₹1.7 crore or more for FY25.

Traction

The company's website cites more than $20 million in monthly transaction volume, 15,000+ customers onboarded and 160+ supported countries. Coverage in February 2025 reported over 250 exporters on the platform. Y Combinator lists a team size of 15; Inc42 lists an employee count of 24 and FY25 revenue of ₹1.7 crore or more.

Latest developments

Infinity publicises a $1.9 million funding milestone on its homepage and has made its app available on iOS and Android. Following the raise, the company said it would use capital to expand product and team, build partnerships with service providers and obtain new regulatory licences, including plans to apply to the Reserve Bank of India for a payment aggregator–cross border licence.