Infinity

What is Infinity?

Infinity is a multi-currency account for Indian businesses — a single place to receive international payments in 50+ currencies, hold balances, and settle to your Indian bank. It is Y Combinator-backed (W24), raised $1.9M, and was founded by siblings Sourav and Sidharth Choraria (ex-Paytm Money and ex-Amazon/MakeMyTrip operators). Where a collection-only tool simply pipes one incoming payment to your bank, Infinity is framed as an account: a dashboard where cross-border money lives and is managed.

It targets freelancers, startups, exporters, and e-commerce businesses, processing payments through AD-1 (RBI-authorised) banking partners and auto-generating a FIRA for every transaction. The headline promise is simplicity: one flat 0.5% all-inclusive fee, the live mid-market rate, and money in your account in about a day — reportedly up to 70% cheaper than traditional methods.

Infinity at a glance

The 0.5% flat fee, explained

Infinity’s pricing is one number: a flat 0.5% per transaction that is all-inclusive — it bundles GST, FIRA generation, and the transfer cost, with no FX markup on the conversion. There is no setup or monthly fee, and large transactions (above $50,000) get custom rates. The appeal is that you never decode a stack of line items: 0.5% is the cost, full stop.

Flat fee vs flat percentage: Infinity vs Skydo

This is the decision that actually matters, and it is pure arithmetic. Infinity charges a flat 0.5%; Skydo charges a flat dollar fee ($19/$29). The crossover is around $5,800 — below it Infinity is cheaper, above it Skydo is.

Invoice	Infinity (0.5%)	Skydo (flat)	Cheaper
$500	$2.50	$19	Infinity
$2,000	$10	$19	Infinity
$5,000	$25	$29	Infinity
$10,000	$50	$29	Skydo

The practical takeaway: if most of your invoices are under ~$5,000 — which describes most freelancers and early-stage startups — Infinity’s percentage is genuinely cheaper, and you get a full account on top. Many operators run both: Infinity for everyday small/mid receipts, a flat-fee rail for the occasional large one.

Collecting from Upwork, Deel, Fiverr & Toptal

One thing Infinity leans into that pure collection tools don’t is marketplace withdrawal. If you earn on Upwork, Deel, Toptal, or similar platforms, their default payout methods often bury a hefty conversion cost. Routing those earnings through Infinity reportedly saves up to ~70% versus default payout, and consolidates marketplace income with your direct-client income in one dashboard — a meaningful difference for freelancers whose livelihood runs through those platforms.

The idle-cash feature most rivals don’t have

Here is Infinity’s most unusual angle: it lets you earn yield on idle balances by investing in government securities. Money that would otherwise sit dormant between payouts can work for you — a treasury capability that is rare among cross-border payment tools, which typically just move money and stop. For a business that holds foreign currency or keeps a working balance, this turns the account from a cost centre into something that can offset its own fees.

It also reinforces the “account, not pipe” positioning: holding a currency rather than converting it the instant it arrives means you can net inflows against outflows and convert only what you need — and now earn on the rest while it waits.

Infinity vs Wise vs PayPal

Provider	Fee model	FX markup	Standout
Infinity	Flat 0.5% all-in	None (mid-market)	Account + marketplace + yield
Wise	~0.43–1% + fixed	Mid-market	Huge currency coverage
PayPal	~3–4%+ all-in	High (3–4%)	Ubiquity
Skydo	Flat $19 / $29	None (mid-market)	Best on large invoices

A worked example: a freelancer’s year on Infinity

Consider a Bengaluru designer earning $3,000 a month split across two Upwork clients and one direct client. On default marketplace payouts plus a typical FX markup, an all-in cost of 3–4% is common — call it $105 a month, or about $1,260 a year. On Infinity’s flat 0.5%, the same $3,000 costs $15 a month — $180 a year. That is roughly $1,080 saved annually, and the money lands in about a day with a FIRA attached for clean books.

Now layer on the idle-cash feature: if that freelancer keeps a working balance of, say, $2,000 in the account between conversions, the government-securities yield option lets that balance earn a small return instead of sitting dead. Neither number is life-changing on its own, but together — lower fees, faster settlement, and idle cash that works — they shift the account from a pure cost into something close to neutral. That is the whole pitch of a flat-percentage account over a single-purpose transfer.

Why the founder story matters here

With a younger product, credibility is part of due diligence. Infinity is Y Combinator-backed (W24) and built by operators who have shipped Indian fintech at scale: co-founder Sourav Choraria led growth and product at Paytm Money and launched India’s first FD-backed credit card, while Sidharth Choraria scaled high-throughput systems at Paytm and MakeMyTrip and built In-App Purchase modules at Amazon. That pedigree doesn’t guarantee anything, but for a tool that touches your revenue it is a meaningful signal — and it is corroborated by the AD-1 (RBI-authorised) banking partnerships the product runs on.

Currencies, settlement & compliance

Item	Detail
Who	Indian freelancers, startups, exporters, e-commerce
Currencies	50+ currencies / 160+ countries (USD, GBP, EUR, CAD, AUD, SGD + more)
Settlement	~1 business day to your Indian bank
Compliance	Free FIRA per transaction; AD-1 RBI-authorised partners
Offer	One free transaction for new accounts via referral

The deal stack — what to pair it with

An account is the hub; pair it with the tools that close the loop:

• Big invoices: Skydo — a flat-fee rail that beats 0.5% on large invoices — use it alongside Infinity.
• Accounting: accounting software — book multi-currency receipts and reconcile FIRA at filing.
• Invoicing: an invoicing tool — bill overseas clients whose payments land in the account.
• Payments: other payment tools — compare Stripe and more for online checkout.

Who should not use Infinity

If you almost exclusively send large invoices (well above ~$5,800), a flat-dollar rail like Skydo will cost you less per payment — the 0.5% scales with the amount. And if your onboarding timeline is tight, note that some users report verification back-and-forth on first setup, so start before you have an urgent payment waiting. For everyone else — especially marketplace freelancers and startups with many small/mid receipts — Infinity is a strong fit.