INFINI Business Beta Launch: A New Stablecoin Finance OS for Global SMEs and Founders

INFINI Business Beta Launch: A New Stablecoin Finance OS for Global SMEs and Founders

2026.01.16

INFINI Business Beta Launch: A New Stablecoin Finance OS for Global SMEs and Founders

Traditional payment rails were never designed for a world where:

  • a one-person SaaS in KL sells to customers in the US, EU, and LATAM

  • a design agency in Jakarta bills clients in USDC

  • a crypto-native project earns revenue entirely on-chain

  • a high-risk but legitimate merchant is blocked from Stripe or PayPal

On paper, globalisation and remote work “opened the world.” In practice, most of those flows still ride SWIFT, card schemes, and stacked PSPs—each taking time and margin along the way. Cross-border payments for SMEs often cost 3–8% all-in once FX spreads, correspondent bank charges, and platform markups are included.

At the same time, stablecoin payment rails have matured: settlements clear in minutes instead of days, at a fraction of the cost, with 24/7 availability and transparent on-chain records. Big names like Stripe, Visa, PayPal, Thunes and others are already using stablecoins for payouts, merchant settlement and cross-border transfers.

INFINI Business is our answer to this shift: a stablecoin finance stack designed not for banks, but for SMEs, independent developers and founder-led teams.

With our beta now open, this article explains:

  • what’s structurally broken in current payment rails

  • what stablecoin rails actually solve (and what they don’t)

  • how INFINI’s products map precisely to those gaps

  • who should seriously consider joining the beta

1. What’s Actually Broken in Today’s Payment Rails?

It’s easy to say “banks are slow” or “Stripe blocks high-risk merchants,” but underneath the memes are some real structural issues.

1.1 Settlement Lag and Working Capital Drag

  • SWIFT cross-border payments typically take 2–5 days to settle, sometimes longer if intermediaries or compliance checks are involved.

  • Card settlements are usually T+2 to T+7 depending on processor, geography and risk profile.

For a bootstrapped SaaS or SME, that’s capital sitting idle, not funding ads, inventory or payroll.

1.2 FX Leakage and Hidden Friction

Traditional cross-border flows are full of markups:

  • FX spreads

  • correspondent bank fees

  • platform markups

Analyses of remittance and SME corridors show that businesses can pay 3–8% all-in for cross-border payments.

For thin-margin businesses, this is the difference between sustainable and unprofitable.

1.3 Fragmented Stacks and Operational Overhead

Most global SMEs today juggle:

  • a payment gateway (Stripe / PayPal / local PSP)

  • a bank account (or several)

  • a separate FX / remittance service

  • a crypto wallet for “on-chain stuff”

  • invoicing tools

  • spreadsheets for reconciliation

Each system has its own IDs, timing, fees, and failure modes. This fragmentation turns finance into a full-time job.

1.4 Access and Risk Classification

High-risk but legitimate verticals (gaming, digital goods, Web3, some fintech, certain geos) struggle with:

  • account freezes

  • rolling reserves

  • sudden terminations

  • “no” from mainstream gateways

Even when you play by the rules, your risk label can block access to basic card acquiring.

2. What Stablecoin Payment Rails Actually Solve

Stablecoins are not magic. But used properly, they do directly address several of these structural issues.

2.1 Speed: From Days to Minutes

Stablecoin transactions (e.g. USDC, USDT) settle on blockchain rails in minutes or even seconds, 24/7, with no bank cut-offs or weekend downtime.

For merchant settlements and B2B payments, this means:

  • working capital cycles compress

  • liquidity can be redeployed faster

  • “waiting for money to clear” stops being a blocker

Payment leaders report that using stablecoins can accelerate settlement up to 5x in some corridors. BVNK

2.2 Cost: Fewer Intermediaries, Less Leakage

Because stablecoin rails reduce the number of intermediaries, cross-border payments see:

  • lower transaction fees

  • fewer FX legs

  • less platform markup

Analyses show businesses can save 40–70% in transaction fees and FX markups when shifting from traditional rails to stablecoin-based flows.

2.3 Transparency and Traceability

With blockchain-based stablecoins:

  • every transaction has an on-chain record

  • settlement status is visible in real time

  • auditability significantly improves

For SMEs and founders, this is not just a “crypto perk”—it’s better financial intelligence.

2.4 Global Reach and New Use Cases

Modern payment providers use stablecoins for:

  • merchant settlement

  • B2B payments

  • cross-border payouts to contractors / gig workers

  • remittances in harder-to-reach markets

Large players like Visa, Stripe, PayPal, Thunes and OKX are already using USDC/USDT in production for payouts, settlement and merchant payments—this is not a fringe experiment anymore.

3. What Stablecoins Do Not Solve (Critical View)

If we stop here, it sounds like stablecoins fix everything. They don’t.

A realistic stablecoin strategy has to account for:

  • Regulation and compliance – businesses still need KYC/KYB, AML controls, tax reporting, and adherence to local regulations.

  • On/off-ramp friction – you eventually pay suppliers, salaries or taxes in fiat somewhere; off-ramps still matter and can be a bottleneck.

  • Operational complexity – managing wallets, keys, chain fees, and treasury flows is non-trivial for a small team.

  • User experience – your customers don’t want to study gas fees or chain IDs; they just want to pay.

So the right question for a founder is not:

“Should I go full crypto or stay with banks?”

It’s:

“How do I use stablecoin rails where they are strictly better, and abstract away the rest so my business can actually run?”

That’s the gap we designed INFINI Business to fill.

4. INFINI Business: A Stablecoin Finance Stack Built Around Real Problems

Rather than building “yet another crypto wallet” or a generic crypto payment gateway, we started from the actual pain points we see in global SMEs and founder-led teams.

4.1 Real-Time Business Dashboard: Visibility Before Optimisation

Problem: Most small teams only truly know their financial position once a month, when:

  • payouts arrive

  • bank statements reconcile

  • someone updates a spreadsheet

This is too slow for a business making daily decisions on marketing, hiring, and pricing.

What INFINI does: The INFINI Business dashboard gives founders real-time visibility into:

  • stablecoin balances

  • incoming payments (crypto & card)

  • settlement status

  • fiat off-ramp flows

On top of stablecoin rails, where settlement is already faster, this visibility compounds the benefit: you don’t just get money faster—you see it faster, and can act on it.

4.2 Crypto Payment Gateway: Let Global Customers Pay How They Want

Problem: Even if you want to accept global payments, your stack is often constrained by:

  • card scheme rules

  • geography-specific risk classifications

  • Stripe/PayPal not supporting your business model or country

What stablecoin rails change: A stablecoin payment gateway lets businesses accept payments in USDT, USDC and other supported assets across borders, with instant settlement and no reliance on local card networks.

What INFINI adds on top:

  • A crypto payment gateway designed for business use (not donation pages or simple widgets).

  • Support for global stablecoin collections, so your customers can pay from anywhere their wallets can reach.

  • Settlement into your INFINI Business account with clear reporting, ready for off-ramp or re-deployment.

This hits three of the strongest SEO and intent phrases at once for our audience:

“stablecoin payment gateway” “accept crypto payments for business” “global payments for SMEs”

4.3 Card Acquiring + Stablecoin Rails: Conversion in the Real World

Critical point: Many “crypto-only” solutions underestimate one simple truth: most buyers are not crypto-native.

If you only offer a wallet QR code, you will leave money on the table.

What INFINI does differently:

  • We support global card acquiring (Visa / Mastercard)

  • Customers can pay with cards or stablecoins

  • Merchants can still settle into USDT/USDC or fiat

This lets you:

  • use cards for conversion (familiar UX)

  • use stablecoins for settlement and treasury

It’s a practical hybrid: card rails on the front, stablecoin rails at the core.

4.4 Crypto-to-Fiat Settlement (Off-Ramp): Liquidity, Not Bags

Problem: Many “crypto payment” providers leave merchants with a new problem:

“Now I have tokens. How do I pay rent, salaries, or suppliers?”

Stablecoins are better than volatile coins—but they still need to reach the real economy.

Research on stablecoin use in B2B payments shows that businesses care as much about off-ramp quality as they do about on-chain speed: they want reliable, compliant, predictable conversion into fiat.

What INFINI offers:

  • Integrated crypto-to-fiat settlement

  • Support for major fiat currencies via banking rails

  • A single flow from payment to liquidity, without juggling providers

This is where “crypto-to-fiat settlement” becomes more than a buzzword: it’s a way to ensure that stablecoin rails actually impact cash flow, not just your on-chain wallet balance.

4.5 Stablecoin Invoicing: Make Operations as Modern as Your Rails

Problem: Payment = money moves. Invoicing = the business and accounting world recognises that move.

Many SMEs:

  • hack together invoices in Word / Excel

  • mismatch invoices vs. crypto payments

  • struggle to present professional documents to serious clients

What INFINI stablecoin invoicing layer does:

  • Issue invoices denominated in stablecoins (or fiat equivalents)

  • Link invoices to real incoming transactions

  • Give SMEs and agencies a professional, repeatable workflow for cross-border billing

This hits SEO intent around “stablecoin invoicing tools” and “crypto invoicing for SMEs”, while solving a very mundane but critical operational gap.

4.6 Fast Onboarding and Founder-Centric Design

A lot of payment providers still think in terms of “merchant accounts”, “underwriting”, and “risk teams.”

Our assumption is different:

The future of cross-border commerce will be built by small, lean, global teams — not banks.

So we built INFINI Business around:

  • fast onboarding (wallet-first, not bank-first)

  • low minimums (you don't need enterprise volume to matter)

  • a product experience designed for SMEs and founders, not treasury departments

If you can deploy software in a weekend, you shouldn’t spend 6–8 weeks getting an acquiring account approved.

5. Who Should Seriously Consider Joining the INFINI Beta?

We’re not trying to “convert everyone to crypto.” The beta is intentionally narrow and opinionated.

You’ll get the most value if you are:

5.1 A Global SME or Remote-First Agency

  • invoice clients in USD or USDT/USDC

  • work across time zones

  • care about faster settlement and better margins

  • currently juggling multiple gateways, banks, and tools

5.2 A SaaS Founder or Indie Developer

  • you have global users from day one

  • you’ve been looking for a stablecoin payment gateway or way to accept crypto payments without building it from scratch

  • you want to reduce payment complexity and get clearer financial visibility

5.3 A Web3-Native Business With Real Revenue

  • you already earn in stablecoins

  • you need reliable crypto-to-fiat settlement

  • you want a more professional invoicing and reporting layer for your operations

5.4 A “Blocked by Stripe/PayPal” but Legitimate Business

  • your vertical is considered “high-risk”

  • you’re tired of account freezes or rolling reserves

  • you need rails that treat you like an operator, not an anomaly

6. What INFINI Beta Actually Offers (Beyond Early Access)

Joining the INFINI Business Beta is not just getting a test link.

As a beta partner, you get:

  • Early influence on roadmap – your use cases shape what we build next.

  • Priority support during onboarding – we work closely with you to map your flows.

  • A chance to help define how stablecoin rails are used for real businesses, not just speculative trading.

In other words:

Beta users are not test subjects. They are design partners for the infrastructure they will rely on.

7. How to Apply for INFINI Business Beta

If any part of this article felt uncomfortably familiar— slow settlement, opaque fees, fragmented tools, blocked accounts— you’re exactly who we’re building for.

Here’s how to get started:

Final Thought

Stablecoin payment rails are no longer a “crypto sideshow.” Banks, card schemes and payment giants are already moving onto tokenized cash infrastructure.

The real question is which businesses will be early enough to turn this into a competitive advantage, rather than a late-stage migration project.

INFINI Business exists so that SMEs, independent developers, and founder-led teams don’t get left out of that transition.

If you’re building globally, your money should move globally too.