Infini Card
Infini
A CeDeFi solution offering a delta-neutral yield of up to 10% APY accrued while spending, with over $1B in payroll handled. It relies on Cobo custody, however, and gives little visibility into specific fees.
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | condiviso |
| Multi-currency | Yes · 50 currencies |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| Interest on balance | 10% |
| ATM withdrawal | not declared |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA, APAC, US · 80+ countries |
| Regulator | Hong Kong Companies Registry / FinCEN / FINTRAC |
| OAM Italy registration | No |
| Segment | B2C |
| Past incidents | Febbraio 2025: exploit da ~49,5 milioni di USD causato dalla compromissione di un indirizzo amministrativo rimasto attivo dopo una migrazione del contratto; i fondi sottratti (USDC/USDT) sono stati convertiti in ETH e trasferiti. Infini ha coperto gli utenti colpiti e avviato un'azione legale a Hong Kong contro l'attaccante. |
| MiCA / License status | MSB / TCSP HK HQ |
Plans & pricing
Strengths
- 10% APY delta-neutral; yield matura during spending; $1B+ payroll.
- No notable sovereignty advantage documented.
Weaknesses
- Depends on Cobo custody; little visibility into specific fees.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (HK HQ): reporting to authorities and freezes on order.
Verdict
The decent rating rewards a delta-neutral yield up to 10% APY accrued while spending and over $1B in payroll handled, but the B tier flags the risks: no clear regulation (HK HQ), reliance on Cobo custody and little visibility into fees. For the ordinary user the yield is real but the protection picture is opaque.
Here it scores low: it is a custodial CeDeFi solution with full KYC and funds held by Cobo, so the user does not control the keys. The delta-neutral yield is a financial product run by third parties, far from the trustless, self-custody ideal.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Infini Card a real bank?
Infini Card is a digital financial service. The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with Infini Card?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Infini Card support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Infini Card support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Infini Card?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework Data verified on Jun 13, 2026
- infini.money Monthly fee · Savings interest · On-chain crypto withdrawals · IBAN countries · +11 Data verified on Jul 11, 2026
- cointelegraph.com Past incidents Data verified on Jun 15, 2026
- halborn.com Past incidents Data verified on Jun 15, 2026
Show 2 more sources
- help.infini.money Card issuance fee Data verified on Jun 14, 2026
- rootdata.com Founders Data verified on Jun 13, 2026