A 4.1/10 card that stopped: the Infini story, the money left behind, and the replacements

Updated October 2026

Licensed

Available in US

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18+ Only

If you were considering Infini as a way to spend crypto through an ordinary-looking payment card, or if you already hold one and are wondering what happened to it, this page is for you. I have gone through Infini’s own public pages and reporting on the company, and I will tell you plainly what I found. The short version: Infini’s card programme stopped working for new and existing customers in mid-2025, and the product people are still searching for is a closed programme, not a live card you can sign up for. Whether you are here to understand the wreckage or to find something that still functions, I will take you through both — starting with the score, then what happened, then what it means for you depending on whether you hold a card, then what can go wrong in this space generally, then what to pick instead.

The conditions described on this page are current as of October 28, 2026.

Verdict: Infini scores 4.1 out of 10

Infini is not a card you can get today. In June 2025 the company suspended the Global, Lite and Tech cards for both use and new applications, and the status of the Max card for private customers was left unclear. That fact alone caps what anyone can honestly recommend, no matter how the pricing looked on paper. My score of 4.1 out of 10 reflects a product that was, at its best moments, unusually cheap to hold — and then stopped.

Who did the card suit, in principle? Someone who wanted to load stablecoins and spend them like ordinary money, did not mind a virtual-only card, and lived somewhere the programme still functioned before the suspension. The pricing was genuinely attractive: the first card was free, there was no annual fee, the monthly fee and transaction fee were both $0, and topping up with a stablecoin cost nothing. The Max tier even advertised 0% FX. That is a real strength, and I score cost 9 out of 10 because of it.

Who does it not suit, today? Almost everyone, because it is closed. And even setting the closure aside, several things were never clear: the card network was never named, personal-card KYC requirements were never published, cashback was never stated to be paid in what, and there was no physical card or ATM story at all. This was a virtual-card product with real gaps in the details people rely on day to day.

The audience note matters as much as the score: this page is especially for existing holders trying to withdraw their remaining balance. If that is you, skip to the section “If you already have the card” — it is the part of this review most likely to be useful to you.

Here is how the score breaks down, criterion by criterion, with the numbers exactly as I assessed them:

What happened to the programme

The programme did not end in one clean moment; it came apart in stages, and understanding the sequence tells you how much to trust anything the company still says. Infini was a Hong Kong-based platform offering crypto services — accounts, stablecoin balances, yield products — with payment cards layered on top. The cards themselves were virtual and corporate (“Stablecoin Corporate Card”) products; the Max card also worked with Apple Pay and Google Pay. Which card network issued them was never named, which is more than a small omission for anyone trying to judge acceptance.

The first crack was in February 2025. Reporting from Decrypt, citing Cyvers and QuillAudits, described about US$49.5 million in USDC being taken from an Infini vault using admin privileges retained by a former developer. Infini said at the time that withdrawals and payments continued, and the founder said full compensation could be paid. That is the sort of event that erodes trust even when the money is eventually returned.

The decisive event came on 17 June 2025. Infini issued a notice — reported by WuBlockchain on 23 June — that all Global, Lite and Tech cards would be suspended for both usage and new applications. Card issuance fees were to be refunded automatically to the Infini balance within roughly 10 business days. The co-founder attributed the move to high compliance costs and thin margins, and said the company was shifting toward wealth management; deposits, withdrawals and the Earn product continued. There was no new card to apply for after that date, and the Max card’s fate for private customers was, and as far as I can tell remains, unclear.

Since then the app kept moving — release notes show a new “Max Card experience” in August 2026 and Business sub-accounts — but that is a product team iterating, not a sign the card programme is open. The Max card’s headline rewards were 2% cashback on eligible purchases “with terms applying”, though in what the cashback was paid was never stated, and the site’s “$20 cash reward” was a sign-up incentive, not a spending perk. Treat any of these as history, not an offer.

On the practical side of who could ever use it: the site only said “180+ Countries Supported” for the platform, and the App Store listing said the card worked “where available” and that “feature availability may vary by account permissions, account status, and region.” Personal-card KYC documents and age requirements were never stated on the public pages — the site only described KYB for businesses (“full KYB approval for higher volumes typically takes under 8 hours”), and for personal cards, not stated. If you are in the market, note that I am telling you the card’s public pages simply do not say these things; I am not guessing at them.

The company behind it is Cynosure Technology LLC, listed as the App Store seller and named on the site, based in Hong Kong. The actual card issuer was never named; the site says Infini “partners with regulated financial institutions.” An FCA mark is shown with no licence number, and SOC 2 Type II and PCI-DSS Level 1 are claimed. Physical-card delivery was never described — the site said virtual cards are issued instantly and said nothing about plastic or shipping.

A note on the pricing, because it is why the cost score is high even now. Personal-card pricing listed three cards. Pro: FX fee 1%, cashback 2% (up to 3%; base 1%, 2% during a promotion), refund fee 1%. Lite: FX fee 3%, no cashback. Max: FX fee 0%, cashback 2% (up to 3%; footnote base 1%), refund fee 1%, cross-border fee 1% outside Hong Kong, small-transaction fee $0.30 under US$50. Across all three: USD spending fee 0%, monthly fee $0, transaction fee $0. The first card was free, there was no annual fee, and a minimum initial top-up of US$10 was required. Fees for additional cards were “confirmed at application”. On fees more broadly: “0% FX on ad spend” was claimed for advertising spend, and payment reference fees were “as low as 0.3% (subject to actual terms)” — that is about payments, not the card. Stablecoin top-up was free. The USD spending fee was 0%; the card currency itself and multi-currency balances were not stated, though the App Store said the card works with “supported balances”, BTC accounts exist, and there are USD and EUR local accounts.

The app itself rated 4.7 out of 5 — but from just 3 ratings, read on 20 October 2026, for iPhone on iOS 16.0+, version 1.3.0 newest at the time; Google Play was not stated. A 4.7 from three people is not a track record.

If you already have the card

This is the section I would read first if the card is already in your wallet or your balance is already on the platform. The honest situation: the Global, Lite and Tech cards were suspended for use on 17 June 2025, with issuance fees auto-refunded to your Infini balance within about 10 business days. Deposits, withdrawals and the Earn product were said to continue. So the money side of Infini was meant to keep working even after the card side stopped.

Here is what the public pages did and did not tell holders, in one place:

The line that worries me most is the first one. If you are trying to get money off the platform, the withdrawal terms for a card balance — fees, limits, how and when the account closes — were never published. The app’s own release notes only refer to Bitcoin withdrawals and to fixes for withdrawal address matching. That is thin documentation for someone trying to move real funds. Use the support contacts above, and be aware of one thing that is not about Infini: a declined card authorisation can leave a hold on funds for several days, and blockchain transfers are irreversible, so a withdrawal sent to the wrong network or address can be lost or need manual recovery with no guarantee. Take your time with the details.

Topping up, for the record, worked like this: the first card was free with no annual fee; the minimum initial top-up was US$10; self top-up with a stablecoin was free; and fiat deposits went through a provider called Iron at 0.20% plus a rail fee — ACH $1, FedNow $1, RTP $1, wire $20, SEPA EUR 1. Network (gas) fees were not stated. Networks for the USDC and USDT top-ups were not specified, which matters for the reason in the previous paragraph.

Before you spend your balance anywhere, it is worth knowing how a chargeback works in general, because Infini’s own dispute process was not stated. A chargeback is a refund ordered by the card issuer to settle a dispute, with reason codes such as fraud, duplicate billing or goods not received. Under US law, debit-card reversal rights come from Regulation E and credit-card rights from Regulation Z; prepaid-card coverage varies and should not be assumed. If your card is suspended, you are relying on your own dispute, not a broad statutory right, so the terms matter more, not less.

What can go wrong

The Infini case is a good illustration of how much can go wrong in crypto cards generally, because almost every classic failure mode showed up here in miniature. I want to name them so you can weigh the alternatives with open eyes.

First, counterparty and custody risk. Whoever holds your money can lose it, hack it, or freeze it. Custodial platforms have a real record of failure: Mt. Gox (about US$350 million reported stolen, 2011–2014), Coincheck (about US$400 million, 2018), and the Ronin Network (US$625 million, 2022). With a custodial wallet the provider holds the credentials, so you must trust it completely; with a self-custody-linked card the funds stay in your own wallet until the moment of payment, but you then bear sole responsibility for key loss, phishing, and clipboard-hijacking malware that swaps copied addresses. A seed phrase — typically 12 to 24 words — is the unencrypted private key itself, so anyone who obtains it can restore the wallet and spend the funds, and crypto transfers are typically irreversible with no built-in recovery. Infini described holding fiat with regulated institutions in “bankruptcy-remote, segregated accounts” and crypto in multi-sig MPC wallets, with audits and penetration tests by Exvul, and the app added biometric authentication and passkey sign-in — but the custody model for personal users, and whether funds were insured, was not stated.

Second, programme shutdown risk, which is exactly what happened to you if you held Infini. Card programmes close. Visa terminated its global agreements with FTX on 13 November 2022 and the FTX US debit card was wound down by its issuer; WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all its Visa programmes. Closures usually follow a pattern: a notice period, then spending and loading stop, then users are asked to withdraw remaining balances. Infini’s own co-founder cited compliance costs and thin margins as the reason — a cost problem, not a fraud one, which is arguably more common and no less final.

Third, regulatory exposure. Infini is not unique in running into this. In the EU, MiCA (Regulation (EU) 2023/1114) took legal effect in June 2023; its rules on stablecoins applied from 30 June 2024 and the crypto-asset service provider rules from 30 December 2024, and under MiCA e-money tokens may be issued only by a credit institution or an electronic money institution. Providers could keep operating under national law only until 1 July 2026 or until a MiCA authorisation was granted or refused, whichever came first — so a thin-margin card product can find its regulatory footing pulled out from under it. A card is regulated separately from the crypto side anyway (a card is a payment service; the crypto side is custody/exchange/transfer), so a crypto card often depends on two licences. And electronic money institutions must safeguard customer funds by segregating them or insuring them — but those funds are not bank deposits and may not be covered by a deposit guarantee scheme. This is why “high compliance costs” is a real sentence for a card issuer to have to say.

Fourth, the everyday friction that never got resolved here. Merchants can look up a card’s issuer identification number and see which institution and country issued it, and may apply extra scrutiny if the issuer country differs from your billing address — which is why a foreign-issued card can look “foreign” to a shop. Address verification is mainly offered in the US, Canada and the UK and is generally unavailable for foreign-issued cards, which can cause declines. Some merchants decline prepaid or foreign cards outright. Gambling (MCC 7995) is blocked by many issuers by policy rather than by law, and the blocked list varies by issuer — Infini never stated its restricted categories. A declined payment can also leave a hold on your funds for several days (typically up to 7).

On the complaint side specifically for Infini, I found very little: no Trustpilot page and no Reddit page for Infini itself, as of a 20 October 2026 search. That is not a clean bill of health — it means there is almost no public record of user experience either way, which for a financial product is its own kind of risk.

One more thing to keep in mind generally, though it is not a fault of the card: if you fund card spending with crypto, the IRS treats digital assets as property, so exchanging them for goods or dollars generally produces a taxable gain or loss, measured in your local currency at fair market value on the date of the transaction. I am not giving tax advice here — just flagging that each payment funded from crypto may be treated as its own disposal, so keep records.

What to take instead

If the reason you were looking at Infini is that an ordinary bank card is hard to get — or that you want to spend crypto without an exchange account in your country — these are the alternatives I looked at, with my scores. They are not endorsements; they are the comparison set, and you should apply the same scepticism to each.

A few things to notice when comparing them, beyond the scores.

On who each is for: CardFlow is explicitly built around Nigeria and Nigerians. HyperCard states no country list on its official pages, and its “176 countries” line is about where the card is accepted, not who qualifies. Card.fi ships widely but excludes anyone resident in, or ordering from, a country subject to sanctions that would prohibit the service.

On how you fund them: CardFlow takes Bitcoin, USDT, ETH or Naira bank transfer (networks not stated). HyperCard has you deposit crypto such as USDT, BTC or ETH in the app, converted to USD or EUR on the card (networks not stated). Card.fi supports 32 coins across 5 networks (Ethereum, Base, BNB Chain, Solana, Kaanch), gives a deposit address per card, converts at market rate on arrival — and warns that sending on the wrong chain risks permanent loss. That warning is worth internalising: blockchain transfers are irreversible, so a deposit on a network the provider does not support, or to an address of another network, can be lost.

On fees, Card.fi is the most transparent of the three: top-up fee Classic 1.5% plus $1.00, Premium 1%; FX fee Classic 3.5%, Premium 2.5%, with the conversion fee shown before each top-up. Its rewards are cashback on card spending only: Classic 0.8% (capped at 10 USDT/month), Premium 1%, Metal 1.2% (capped) or 2% (capped), with a headline 10% at coffee shops capped at 10 USDT/month, and interest on balances “up to 18%” on Metal, variable. Note the pattern in all three: none publishes a robust refund or dispute policy on the pages I could read, which is the same gap that made Infini’s shutdown so painful.

Whatever you pick, check the same four things I checked here: is the card actually issuable right now, not just described; is the issuer named; what are the withdrawal, refund and dispute terms; and which licence or registration is stated. ESMA keeps an interim register of authorised crypto-asset service providers, white papers and non-compliant entities, and you can check a provider there.

Who I would recommend it to

Honestly? As a card to open today, I would recommend Infini to nobody — it is not issuing, and a product that stopped for new applications in June 2025 cannot be recommended to someone choosing where to hold money. That is the plain conclusion, and I would rather say it than dress it up.

There is a narrower audience for whom reading this still helps. If you are an existing holder with a balance left on Infini, this page tells you what the company said about continued withdrawals, which support channels exist, and which details were never published — go read the “If you already have the card” section again and use it as your checklist before you move money. If you are someone who keeps a stablecoin balance and wants a card to spend it, this review explains the failure mode to watch for: a cheap, virtual-only, thin-margin programme with an unnamed issuer, where “free to hold” turned into “closed to use.” Read that pattern as a checklist on the next option. And if you are a business evaluating Infini’s corporate or Earn products for reasons other than the card, understand that even the parts that kept running sit inside the same company and the same regulatory environment.

For most people in my position, the answer is to pick one of the alternatives above that is genuinely open to you, understand the fee and withdrawal terms before you load funds, and treat any promise of “0% fees” as a reason to ask what happens when the business gets expensive.

Frequently asked questions

What was the Infini card?

Infini was a crypto platform from Cynosure Technology LLC in Hong Kong that offered payment cards you could load with stablecoins and spend like ordinary money. It had virtual and corporate cards, and a Max tier that worked with Apple Pay and Google Pay. The card network was never named. In June 2025 the programme stopped issuing, so it is a closed product today, not a live card.

How did the Infini card work?

You would top up a balance with stablecoins such as USDC or USDT, or with fiat through local USD or EUR accounts, and the card would spend that stored balance — much like a prepaid card rather than a debit card linked to a bank account. Because it spent only a pre-loaded balance, it could not overdraw. The underlying card was virtual; Infini never described a physical card or ATM access.

Is Infini a bank?

Not as far as its public pages described. Infini said it partners with regulated financial institutions, and the actual card issuer was never named. The company is Cynosure Technology LLC, based in Hong Kong; an FCA mark was shown without a licence number, and SOC 2 Type II and PCI-DSS Level 1 were claimed. Treat the platform as a crypto business, not a bank, and do not assume your balance is a protected bank deposit.

Who owns Infini?

Infini is the consumer brand; the App Store seller and the site’s legal entity are Cynosure Technology LLC, a Hong Kong company. The card issuer behind the programme was never named in the public materials I reviewed. So the brand you knew and the entity that would hold your money were not the same thing — one of the things worth checking on any card like this.

Can I still apply for an Infini card?

No. On 17 June 2025 Infini suspended the Global, Lite and Tech cards for both usage and new applications, and the status of the Max card for private customers was not made clear. Application fees were to be refunded to the Infini balance automatically within about 10 business days. Anything still advertising Infini card sign-ups is describing a product that closed.

What happened to the money in Infini’s vault in 2025?

In February 2025, reporting by Decrypt — citing Cyvers and QuillAudits — described about US$49.5 million in USDC being taken from an Infini vault using admin privileges retained by a former developer. Infini said withdrawals and payments continued, and the founder said full compensation could be paid. Separately, the June 2025 card suspension was attributed to high compliance costs and thin margins rather than to this incident.

Is the Infini card safe?

I would not call it safe, mainly because it stopped working. On the security claims Infini did make — funds in bankruptcy-remote segregated accounts, crypto in multi-sig MPC wallets, Exvul audits, biometrics and passkeys — the custody model for personal users and whether funds were insured were never stated. And a suspended card is its own kind of danger: I could not find published withdrawal fees, limits or closure terms for a card balance. Read the risks section before assuming your funds are easy to retrieve.

Can I still use my Infini card?

For the Global, Lite and Tech cards, no — they were suspended for usage on 17 June 2025. If you hold a Max card as a private customer, the status was unclear at the time of writing. If you have a balance rather than a working card, the company said deposits, withdrawals and the Earn product continued, so your route to the money is through the platform, not the card. Contact Infini at [email protected] for your specific account.

How do I get money off Infini if I am a holder?

The published route is the platform itself: Infini said withdrawals continued after the card suspension, and the app release notes refer to Bitcoin withdrawals and withdrawal address matching. Beyond that, the withdrawal terms for a card balance — fees, limits, and how an account closes — were not stated on the pricing page or site, so use the support channels ([email protected], the Help Center on Telegram at t.me/infini_official) and ask them directly. Remember blockchain transfers are irreversible, so double-check the network and address before you send.

Is the Infini card worth it, and are there alternatives?

Not anymore, because it is closed — you cannot open one. If you want to spend crypto through a card today, the alternatives I reviewed are CardFlow (4.9/10, aimed at Nigeria), HyperCard (4.7/10, prepaid, USD or EUR) and Card.fi (6.6/10, ships to 200+ countries). Before loading any of them, check that the card is actually issuable to you, that the issuer is named, and what the withdrawal, refund and dispute terms are — the same checks that would have mattered with Infini.

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