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.

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

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

How to claim your free transaction

1. Open the signup link — use the button on this page — it carries the referral code that unlocks the free transaction.
2. Create your account — register your business and complete onboarding/KYC. Budget a little time — verification can take a cycle.
3. Explore the dashboard — see your virtual accounts, supported currencies, and the live fee before you move anything.
4. Run your free transaction — make a real payment with the free transaction applied — the lowest-risk way to judge the product on your own corridor.

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.

Frequently asked questions

What is Infinity?

Infinity is a YC-backed (W24) multi-currency account for Indian freelancers, startups, and exporters — receive international payments in 50+ currencies, hold balances, and settle to your Indian bank, all at a flat 0.5% all-inclusive fee.

How much does Infinity cost?

A single flat 0.5% fee per transaction that includes GST, FIRA generation, and transfer cost, with zero FX markup. Custom rates apply above $50,000. New accounts get one free transaction.

How is Infinity different from Skydo?

Infinity charges a flat 0.5% (cheaper on small/mid invoices); Skydo charges a flat dollar fee $19/$29 (cheaper on large invoices). The crossover is roughly $5,800 — many people use Infinity for small invoices and Skydo for big ones.

Can I collect from Upwork, Deel or Toptal?

Yes — Infinity is built to pull earnings from freelance marketplaces and platforms into your Indian account, reportedly saving up to ~70% versus default payout methods.

What is the idle-cash feature?

Infinity lets you earn yield on idle balances by investing in government securities — a treasury option most payment tools don’t offer, useful if money sits in your account between payouts.

Is Infinity safe and compliant?

Infinity processes funds through AD-1 (RBI-authorised) banking partners, auto-generates a FIRA for every transaction for FEMA/GST compliance, and is backed by Y Combinator. Start with the free transaction to get comfortable.

Verdict

Infinity pairs a genuinely simple flat 0.5% all-inclusive fee with a real multi-currency account, marketplace collection from Upwork/Deel/Toptal, and a treasury feature that lets idle balances earn yield — and the free first transaction lets you pressure-test it on a real payment before paying anything.

Infinity is the right starting point if your mental model is “I want one account to run global money,” and especially if your invoices skew small-to-mid or run through freelance marketplaces. The flat 0.5%, the marketplace collection, and the idle-cash yield are a genuinely differentiated bundle — and the free first transaction means the only sensible move is to open an account, run one real payment, and judge it on your own corridor. Just keep a flat-fee rail handy for your occasional large invoice.

Claim 1 free transaction → — New accounts only. Pricing and offer subject to Infinity’s current terms — verify at signup.