Infinity

Infinity is a Bengaluru-based fintech startup founded in 2023, specializing in business banking and cross-border payment solutions for Indian SMBs, startups, and exporters. The company was established by siblings Sourav and Sidharth Choraria, who have deep experience in fintech, product, and global payments. Infinity’s mission is to empower Indian businesses to operate globally with seamless, cost-effective, and transparent international transactions.

Core Products and Services

• Cross-Border Payments: Fast, same-day international money transfers with real-time FX rates and no hidden fees.

• Multi-Currency Global Accounts: Receive and hold funds in 160+ currencies, with local banking details for major markets (USD, GBP, EUR, CAD, etc.).

• Flat, Transparent Fees: 0.5% per transaction, no FX markup, and custom pricing for large transactions.

• Treasury Management: Invest idle cash in government securities, mutual funds, and fixed deposits directly from the platform.

• Compliance Automation: Automated reporting for RBI’s IDPMS/EDPMS, instant remittance certificates, and regulatory support.

• Integrated Business Banking: Unified dashboard for connected banking, cash flow management and financial insights.

Unique Value Proposition

• 70% Lower Fees: Direct payment rails bypassing SWIFT, reducing costs and delays typical of traditional banks.

• Real-Time Transparency: Live FX rates, instant settlement tracking and no hidden charges.

• Faster Settlements: Same-day or one-day settlement for most international transactions.

• Global Reach: Over 160 supported currencies and local accounts for seamless global commerce.

• All-in-One Platform: Business banking, payments, compliance and treasury—streamlined for SMBs and startups.

Business Model & Revenue Streams

Infinity operates a SaaS-enabled, transaction-based business model focused on direct monetization from its core financial services:

• Transaction Fees: Charges a flat 0.5% fee per cross-border transaction, with no FX markup. Custom pricing is available for high-value transactions above $50,000.

• Treasury Management Fees: Earns a share of returns or management fees when clients invest idle balances via the platform in government securities, mutual funds, or fixed deposits.

• Account Services: May charge for premium features, compliance support, or additional business banking tools as the platform matures (potential for future subscription revenue).

Customer Segmentation

• B2B: Indian SMBs, startups, freelancers and exporters requiring efficient global payment solutions.

• Sector Focus: SaaS companies, D2C brands, manufacturing exporters and professional service firms.

Growth Strategy

• Market Expansion: Aggressively acquiring Indian exporters, SaaS and D2C startups; plans to expand into other emerging markets.

• Product Innovation: Adding new features such as advanced treasury, compliance automation and multi-currency lending.

• Partnerships: Collaborating with global payment providers, banks and fintech to build direct payment rails and expand service offerings.

• Customer Experience: Emphasis on digital onboarding, real-time support and compliance automation to reduce friction for SMBs.