The Infini card programme was suspended in 2025 — here is what happened and what to use now

Updated October 2026

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Available in US

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Infini is not a card you can apply for today. Its public pages still describe a card product, an app with a Rewards Center and a set of stablecoin balances, but the programme itself stopped on 17 June 2025, when the company’s own notice suspended the Global, Lite and Tech cards for both spending and new applications. The Max card, the tier with 0% foreign-exchange fee and Apple Pay and Google Pay support, has an unclear status for private customers. If you landed on this page wondering whether Infini is worth opening an account with, the honest answer is that the question no longer applies: there is nothing to sign up for. My score for the card as it stands is 4.1 out of 10, and the single heaviest mark against it is that a service you cannot use is not a service.

The conditions described below are current as of October 28, 2026.

I want to be precise about what I am and am not judging, because a closed programme and a bad programme are not the same thing. Infini’s published pricing was, on paper, unusually generous: the first card free, no annual fee, a monthly fee of $0, a $0 transaction fee, USD spending at 0%, and a free stablecoin top-up. If you had been holding one of these cards in early 2025, the value proposition on paper was real. The problem is not that the card was badly designed; it is that the entity behind it lost US$49.5 million from its vault in February 2025, and five months later the cards stopped working for spending altogether. That sequence is what a reader needs, not the fee table.

The score, criterion by criterion

Two things about that table deserve a sentence each.

The first is how lopsided it is. Cost scores 9 out of 10 and reliability scores 1 out of 10. In this category, cost is the thing you can read off a pricing page in thirty seconds; reliability is the thing that only shows up when the company has an incident, a regulator asks questions, or the money moves. A high cost score is not an achievement, it is a checkbox. The people who would have been best served by this card — the reader who cannot get an ordinary bank card, who is looking for a thin margin between what they earn and what the card charges — are precisely the people for whom a suspended card is worst, because they have no fallback. That is the group I keep coming back to as I read through the material, and it is why the audience note attached to this card reads: existing holders withdrawing their remaining balance.

The second is the 5 out of 10 for everyday use, which is generous to a programme that cannot be used. I scored it on the product as designed, not as it operates. The card was virtual, which is genuinely convenient, and Max supported both phone wallets. But whether you could hold plastic in your hand and whether you could get cash out of an ATM were never stated on the public pages, so there is nothing there to score.

What happened to the programme

Here is the timeline, because the order of these events is what turns a fee schedule into a risk story.

24 February 2025. Decrypt reported that about US$49.5 million in USDC had been taken from an Infini vault. The account involved belonged to a former developer who had retained admin privileges after leaving; the reporting credited Cyvers and QuillAudits. Infini said at the time that withdrawals and payments continued, and the founder said full compensation could be paid. I want to be careful here: I am describing what was reported, not adjudicating what happened. What is not in dispute is that a large sum left the company’s vault, and that the mechanism involved privileges retained by someone who had left.

17 June 2025. WuBlockchain reported Infini’s own notice, which is the document that ends the card programme in practice: “all Global, Lite, and Tech cards will be suspended for both usage and new applications”. The same notice said card issuance fees would be auto-refunded to the Infini balance within roughly 10 business days. The co-founder was cited attributing the decision to high compliance costs and thin margins, and to a shift toward wealth management. Deposits, withdrawals and Earn continued — the money side of the account was still open even though the card side was shut. That distinction matters if you are still holding a balance, and I come back to it below.

August and September 2026. The App Store release notes for the Infini app show continued work rather than a shutdown: a new “Max Card experience” in version 0.3.0 on 22 August, and Business sub-accounts. The app’s newest version is 1.3.0 for iPhone, requiring iOS 16.0 or later.

That last point is the detail I would want a reader to notice. Infini did not disappear. The company kept shipping features, kept the Earn product, kept the Business tier, and kept marketing a Max Card experience — while the cards customers could actually use had been suspended for over a year. The company being alive and the card being available are two separate facts, and only one of them changed in June 2025.

On who could get the card in the first place: the public pages do not say. The site says “180+ Countries Supported” for the platform, but for the cards themselves, no country list, no nationality rule, no age threshold. The App Store copy hedges instead, saying the card works “where available” and that “Feature availability may vary by account permissions, account status, and region”. For businesses the site describes KYB, with “Full KYB approval for higher volumes typically takes under 8 hours”, and automated identity verification that issues API keys “within minutes”. For personal cards, the identity documents required and the minimum age were never stated. So if you are trying to work out whether Infini would have accepted you, the answer is that the card’s own public pages never said.

The cards themselves were virtual, plus a “Stablecoin Corporate Card”. The Max Card worked with Apple Pay and Google Pay. The card network was not named anywhere on the company’s own pages — and in this category that is not a small omission, because it decides which merchants and which verification flows you will meet. On cost, the site carried no card fee amounts at all and the App Store copy promised only “Transparent and competitive fees”. The one figure the pages did commit to, outside the tier table, was a first card free, no annual fee, a monthly fee of $0, a transaction fee of $0, fees for additional cards “confirmed at application”, and a minimum initial top-up of US$10. That is a genuinely attractive headline for someone who wants a card without a fee, and it is also the part of the offer that stopped existing.

If you already have the card

If you were one of the customers holding Infini in 2025 or 2026, the practical question is not which card to get next. It is what happens to your money. Let me take the pieces of the picture in order.

The card itself is suspended. For Global, Lite and Tech, spending stopped on 17 June 2025, as did new applications. Any balance you had on those cards is not spendable through them. The Max card’s status for private customers is unclear, which means I cannot tell you it works; if your card is a Max, the only reliable answer is the support channels listed below.

The account around the card was not closed. Deposits, withdrawals and Earn continued after the suspension. That is the sentence I would underline twice if I were you, because it is the difference between money that is stuck and money that is parked. But — and this is the part I cannot gloss over — the pages never said. Withdrawal fees, withdrawal limits and the terms on which an account gets closed are simply not stated on the pricing page or the site. The App Store release notes mention BTC withdrawals and “withdrawal address matching” fixes, so crypto withdrawal is a real function of the platform, not a plan. What I cannot tell you from public information is what it costs, what the ceiling is, or what happens to a balance if the company decides to shut the account later. If you have funds sitting there, treat the withdrawal terms as the single thing you need to establish before anything else, and establish them in writing.

Top-ups: what was on offer. Stablecoin self top-up is free. The card pages list USDC and USDT as the accepted coins, and — this is worth noting — the networks are not specified. With USDT that is not a trivial gap; Tether describes the token as built on multiple blockchains and it has been issued on Ethereum, Tron, Solana, Polygon, Avalanche and others, and sending on the wrong one can mean support recovery with no guarantee. The platform also supports USD and EUR local accounts, and the app lists BTC accounts. Fiat deposits route through Iron and cost 0.20% plus the rail fee: $1 for ACH, $1 for FedNow, $1 for RTP, $20 for wire, and 1 for SEPA in EUR. On-chain network fees are not stated, and those are charged by the blockchain rather than by the card provider, so they are a real cost of putting money in that nobody quotes you in advance.

Fees while it lasted. USD spending fee 0%. FX 1% on Pro, 3% on Lite, 0% on Max. Max adds a 1% cross-border fee outside Hong Kong and a $0.30 small-transaction fee under US$50. Refund fee 1% on Pro and Max. On rewards, Max advertised 2% cashback on eligible purchases “with terms applying”, with the footnote giving a base of 1% and up to 3%; Lite had none; Pro carried 2% base during a promotion. What the cashback is paid in was never stated. The app carries a Rewards Center and a spending promotion, and the site’s “$20 cash reward” was a sign-up incentive, not a spending return.

Limits. No numerical limits are published. The site says only that you can “Set custom limits and controls for each card”. The ability to set a limit is not the same as knowing what the limit is.

Disputes. A refund fee of 1% on Pro and Max, and then nothing: the dispute or chargeback process and its time frames are not stated. If you are trying to reverse a transaction, that is a real gap, and it is one you should weigh heavily in the future when comparing cards.

Getting help. Email [email protected], a Help Center on Telegram at t.me/infini_official, and X at @0xinfini. Languages are not listed on the site, though Thai was added to the app in version 1.1.0. Support hours are not stated, and in my experience an unstated support hour is worth assuming to be the worst one.

One more thing about that fee structure, because it is easy to misread. The site claims “0% FX on ad spend”, and payment reference fees “as low as 0.3% (subject to actual terms)” — but those are payment and advertising products, not card spending. The card’s own conversion fee was not stated. I would not carry the ad-spend number into a calculation about your groceries.

What can go wrong

This section is the reason the score is 4.1 and not something higher. I want to walk through the failure modes in the order of how much they should worry you.

The first one already happened. That is unusual for a review and it is worth being blunt about: I am not describing a risk you might run into, I am describing an event. On 24 February 2025, about US$49.5 million in USDC left an Infini vault, with retained admin privileges from a former developer named as the mechanism. The financial consequence for individual holders was partly addressed — the founder said full compensation could be paid — but the operational consequence was not, and it ended in a card suspension. If the pattern you fear is “a company has a lapse and my card stops working”, this is the card that has already demonstrated it.

The counterparty question is not answered. The App Store seller and the site name Cynosure Technology LLC, Hong Kong. The issuer is not named; the site says only that it “partners with regulated financial institutions”. An FCA mark is displayed without a licence number. SOC 2 Type II and PCI-DSS Level 1 are claimed. The site says funds are held with regulated financial institutions in “bankruptcy-remote, segregated accounts”, and crypto in multi-sig MPC wallets, with audits and penetration tests by Exvul; the app offers biometric authentication and, as of version 1.3.0, passkey sign-in. That is a decent-looking list. It is also a list of claims, not a licence, and the custody model for personal users and any insurance are not stated. I am not saying the claims are false. I am saying that “we partner with regulated institutions” is a different sentence from “here is the issuer, here is its licence number”, and only one of them can be checked by someone outside the company.

This is a category with a body count, and it is worth knowing it. Custodial platforms — where the provider holds your keys, so you must trust them completely — have a documented history: Mt. Gox, with about US$350 million reported stolen between 2011 and 2014; Coincheck, about US$400 million in 2018; and Ronin Network, US$625 million in 2022. That history is the reason the alternative structure exists. With a self-custody-linked card, the funds stay in your own wallet until the moment of payment, and the risk moves too: you own sole responsibility for key loss, phishing, and clipboard-hijacking malware that swaps a copied address. Neither model is free of danger; the difference is whose mistake it is. A seed phrase is typically 12 to 24 words and anyone who obtains it can restore the wallet and spend the funds — and blockchain transfers are typically irreversible, so the network cannot freeze or return them.

Closures have a standard shape, and Infini’s notice fits it. Programme closures typically give a notice period, then stop spending and loading, then ask users to withdraw remaining balances. Visa and Mastercard themselves do not issue crypto cards to consumers; they license issuers, and they can suspend a programme. In November 2022 Visa said it had “terminated our global agreements with FTX” and the FTX US debit card was wound down by its issuer. Separately, WaveCrest, a Visa card issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued Visa programmes. So the entity that pulls the plug is often not the brand you signed up with, and that entity’s name is frequently the one thing a card’s public pages do not tell you.

Sanctions and freezing sit on both sides of the coin. Tether says it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity, so stablecoins are not censorship-proof. And because nationality is recorded and screened separately from residence — sanctions screening and issuer risk policy often apply to citizenship and country of birth, not just to the country you live in — holding a stablecoin balance is not the same as being beyond the reach of a compliance system. This is normal and it is lawful, and it is also exactly why accounts close. Under EU rules, if customer due diligence cannot be completed, the institution must refrain from the transaction or relationship and, where necessary, end existing relationships.

Practical friction that will hit your card even in a healthy product. Merchants can look up the issuer identification number at the start of a card number and see which institution and country issued the card, and may apply extra scrutiny if that issuer country differs from the billing address — which is why a card issued in one country can look foreign to a shop in another. Some merchants decline prepaid or foreign-issued numbers for that reason. Address Verification Service compares the numeric parts of the billing address the buyer types with issuer records, and is mainly offered in the US, Canada and the UK, so it is generally unavailable for foreign-issued cards and can cause declines. A merchant category code of 7995 covers gambling, and many issuers block it on specific cards by policy rather than by law, with the blocked list varying by issuer. Declined authorisations can leave a hold on your funds for several days, typically up to 7. On charges: 3-D Secure adds an identity check to online payments, and under it liability for a fraudulent online payment can shift from the merchant to your bank — or, per its critics, to you. US reversal rights for debit cards come from Regulation E and credit card rights from Regulation Z; prepaid-card coverage varies and should not be assumed.

The category-specific trap for Infini specifically. Stablecoins can depeg: TerraUSD collapsed in May 2022, and USDC temporarily lost its peg in March 2023 during the US banking crisis. The reassuring part is real, too. Circle says USDC is redeemable 1:1 for USD and 100% backed by cash and cash equivalents, mostly in an SEC-registered government money market fund, with monthly reserve attestations by a Big Four firm, and it lists USDC as natively supported on 38 networks as of 16 September 2026. The BIS (July 2025) put about 90% of stablecoin market capitalisation in USDT and USDC combined. But the card’s pages did not name the networks it accepted, which creates a specific risk: a deposit sent on a network the provider does not support, or to an address of another network, can be lost or need manual support recovery with no guarantee.

Compliance costs are the stated reason for the closure, and that cuts both ways. The co-founder cited high compliance costs and thin margins. If you are deciding whether a category like this is durable, that is the argument to sit with: the business that closes did not fail because its customers were ungrateful, it failed because keeping the licence and the audits and the monitoring running cost more than the interchange it could earn. A replacement with the same economics has the same problem.

On complaints: there is nothing to report, and that is not the same as everything being fine. I found no Trustpilot page and no Reddit page for Infini in my 20 October 2026 search, and no Reddit or Trustpilot reviews of Infini itself. App Store ratings sit at 4.7 out of 5 — from three ratings, read on 20 October 2026. Google Play ratings are not stated. Three ratings is not a track record; it is a rounding error. In a category where users tend to post loudly when something breaks, the absence of a review page can mean a small user base, a young operation, or simply that people left quietly. I would not read silence as satisfaction.

And one category habit worth naming. The IRS treats digital assets as property, so exchanging them for goods, services, dollars or other digital assets generally produces a taxable gain or loss; for personal holdings the result is a capital gain or loss, short-term if held a year or less, measured in local fiat currency at fair market value on the date of the transaction. That means each card payment funded from crypto may be a separate disposal. I am not giving you tax advice and I am not qualified to — but I am telling you that spending a crypto card is not interestingly tax-free just because the card is free, and it is worth talking to a professional in your own country before you build a habit on it.

What to take instead

Since Infini’s cards are suspended, “should I get Infini?” is answered by the closure. The useful question is what else in this category currently works, and I have three that scored higher. I will walk you through each honestly, including the parts that are unattractive.

Bitrefill is the strongest of the three and the closest in spirit to what Infini promised. It offers a virtual and physical Visa, the page says the card is free through the app, and its cashback structure is the most generous on paper here: 2% total with no cap, split as 1% on each crypto deposit and 1% on each purchase. Its funding list is the widest — Bitcoin, Lightning, Ethereum, USDC, USDT, Solana, BASE, Polygon and Li.Finance, with Apple Pay, Google Pay, Visa and MasterCard listed on the buy-with panel, and SEPA transfer supported per the terms. What holds it back is transparency on the numbers you would actually pay: the deposit spread on crypto-to-euro conversion has no published percentage, issuance and monthly fee amounts are not stated, an inactivity fee applies after 12 months without spending or cash-out with no amount given, SEPA pay-in is 1.99%, and spending carries whatever spread the payment processor or ATM operator charges. And its eligibility language is the same fog as Infini’s: no country list, with access “subject to eligibility criteria” and “further eligibility requirements, established and verified by our partners, shall apply”. The card currency is implied to be the euro by the terms. So: the best fit of the three, with a fee schedule you will have to ask for.

UPay sits in the middle at 6.1. It has both virtual and physical options, personal and business cards, and payment currencies including USD, EUR and AED. You fund the wallet with BTC, ETH or USDT, with USDC also listed, though the networks are not stated. Two honest warnings. First, its eligibility is a moving target: the page says UPay does not serve residents of certain countries and that the list may change with regulatory or issuer policies, while claiming support in 180+ countries. Second, its KYC partner accepts only identity documents issued by the same country as the user’s — a real obstacle if you hold a passport from one country and live in another, which is precisely the reader this page is written for. No fees are stated, and the card page says conversion may occur during payment depending on network and settlement. No cashback is stated on the card page; the home page lists an “Earn While You Sleep” product, but that is a title, not a set of terms. The card network is not named.

Kemy is the most transparent of the three on pricing, and the most expensive. You get unlimited virtual cards, with Visa shown on the mockups, and one physical contactless Mastercard per user; the site says Visa and Mastercard are accepted globally. The prices are published: a virtual card is $15 for issuance valid three years plus $2 a month; the physical card is $250 with DHL Express included, valid three years, plus $10 a month. Then the per-transaction layer: top-up $1.5 under $100 or 1.25% from $100 with a $5 minimum, a transaction fee of 3.5% plus $1, and $0.80 for a failed transaction. On the physical card the top-up fee is the same with a $10 minimum and a failed transaction is $0.80, but the 3.5% plus $1 transaction fee is not repeated in that line. The FX fee is not listed. There is also an unresolved inconsistency on the same site: the main-account deposit fee shows as 8% in the summary and 5% in the section. That conflict, on its own, is a reason to ask before you commit. Availability is “190+ countries” with “a few restrictions apply” and an eligibility check at sign-up. Cashback is not mentioned at all.

If you take one thing from this comparison, take this: none of the three states, cleanly, everything you would need to know. That is the honest shape of this category in 2026. What separates them is how much of the picture is published and how quickly support answers the rest.

Who I would recommend it to

Nobody, for a new card, and that is not a hedge. Infini’s cards were suspended for use and new applications on 17 June 2025 and the Max card’s status for private customers is unclear. There is no version of “sign up for Infini” that works today.

For the people already inside, my advice is short and practical. Treat the balance as money you intend to move, not money you intend to hold, because the withdrawal terms were never published and the card you would spend it from is suspended. Establish what a withdrawal costs, what the ceiling is, and how long it takes, by writing to [email protected] before you assume anything. Keep records of your card issuance fee if you paid one, since the company’s notice said those were auto-refunded to the Infini balance within roughly 10 business days and a balance refund is not the same as a card that works. Assume support response times are the unstated ones, because they are not stated. If a large balance sits there, treat the delay between requesting and receiving the money as the main risk you still control.

For someone new, in order:

• If your blocker is that a bank will not open an account for you, look at Bitrefill first — closest to what Infini intended, with the widest funding list and the best cashback structure — but ask for the conversion spread and the inactivity fee in writing first, and check the eligibility criteria against your country before you send anything.
• If you need a card you can hold and use at a merchant’s terminal, UPay’s physical option is worth a look, provided your identity document and your country of residence match the KYC partner’s requirement.
• If you want many virtual cards and published prices, Kemy tells you what everything costs, which is rarer than it should be. Go in knowing the physical card is $250 plus $10 a month and the transaction fee is 3.5% plus $1.

And one habit that outlives any of these: before you deposit, find out which networks the provider accepts, and confirm the network on the receiving side matches what you are sending from. Infini named its coins but not its networks, and that single omission is the kind of detail that turns a deposit into a support ticket.

Frequently asked questions

What is Infini card?

Infini was a virtual card programme from Cynosure Technology LLC, a Hong Kong company, offered in Pro, Lite and Max tiers alongside a “Stablecoin Corporate Card”. The card worked from a balance you loaded yourself — mainly USDC or USDT — rather than from a bank account, and Max supported Apple Pay and Google Pay. Its public pages still describe the product, but no new cards have been issued since 17 June 2025, when Global, Lite and Tech were suspended for both usage and new applications.

How does the Infini card work?

It worked as a pre-loaded balance card: you topped up a balance, and the card spent only that balance, so it could not overdraw. The chain had three parties — the card network routes the payment, the issuer holds the programme, and Infini marketed it. The issuer was never named on the public pages, which said only that Infini “partners with regulated financial institutions”. The card network was not named either. That is why I rate the everyday use at 5 out of 10 on paper design alone.

Is Infini a bank?

No — Infini is not a bank. The App Store seller and the site name Cynosure Technology LLC, Hong Kong, and the site says it partners with regulated financial institutions rather than being one. An FCA mark appears without a licence number, and SOC 2 Type II and PCI-DSS Level 1 compliance are claimed. The issuer behind the actual card accounts was never disclosed. Treat Infini as a fintech programme manager, not as a deposit-taking bank, and do not assume any deposit guarantee applies.

Can I still get an Infini card in 2026?

No. Infini’s notice of 17 June 2025 suspended the Global, Lite and Tech cards for both usage and new applications, and the Max card’s status for private customers is unclear rather than confirmed open. The card therefore does not belong in your shortlist. The app itself is still being updated — version 1.3.0 is current, with a Max Card experience and Business sub-accounts added through 2026 — but the app shipping does not mean the cards work.

What happened to Infini in 2025?

Two events, and the order matters. On 24 February 2025, Decrypt reported that about US$49.5 million in USDC was taken from an Infini vault, with retained admin privileges from a former developer cited as the mechanism. Infini said withdrawals and payments continued and the founder said full compensation could be paid. Then on 17 June 2025, Infini’s notice suspended Global, Lite and Tech cards for spending and new applications, citing high compliance costs and thin margins.

What should I do if I still have money on Infini?

Move it out, and find out the terms before you assume you can. After the suspension, deposits, withdrawals and Earn all continued, so the money side of the account was still open. What was never published: withdrawal fees, withdrawal limits, and the terms on which an account is closed. Write to [email protected] and get those answers in writing, because a card issuance fee refunded to your Infini balance is not the same as a working card.

Is Infini card free, and what did it cost?

The pricing was genuinely good on paper, which is why cost scores 9 out of 10: the first card was free, there was no annual fee, the monthly fee was $0, the transaction fee was $0, USD spending was 0%, and stablecoin top-up was free. On top of that, FX was 1% on Pro, 3% on Lite and 0% on Max, with a 1% refund fee on Pro and Max, a 1% cross-border fee on Max outside Hong Kong, and a $0.30 small-transaction fee under US$50. None of it is available to a new applicant.

Is Infini card safe?

Safety is the wrong frame, because the dominant risk here is operational rather than technical. A $49.5 million vault loss in February 2025 and a card suspension four months later are the facts of record. The site claims segregated accounts with regulated institutions, multi-sig MPC wallets for crypto, Exvul audits, and biometric plus passkey authentication in the app — but the custody model for personal users, any insurance, and the card issuer’s identity were never stated. My reliability mark is 1 out of 10.

How do I top up Infini card, and which coins work?

The card pages list USDC and USDT, and the platform also had USD and EUR local accounts with BTC accounts in the app. Stablecoin self top-up was free; fiat deposits went through Iron at 0.20% plus the rail fee — $1 ACH, $1 FedNow, $1 RTP, $20 wire, and 1 in EUR for SEPA. The networks were not named, which is the part to watch: USDT exists on many chains and sending on an unsupported one can mean lost funds or a manual recovery with no guarantee.

Is Infini card worth it compared with Bitrefill, UPay or Kemy?

Infini scored 4.1 out of 10 because its cards cannot be used. Bitrefill (6.8) is the closest replacement, with a virtual and physical Visa, a free card claimed, and 2% cashback with no cap, though its conversion spread and inactivity fee are not published. UPay (6.1) offers virtual and physical cards but restricts identity documents to the user’s country of residence. Kemy (6.0) publishes its prices most fully, and they are high: $250 and $10 a month for the physical card.

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