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Stablecoins Are Not Digital Cash

July 25, 2025

8 mins

IFI is a platform that empowers companies with the ability to provide loans, deposits, payments, and impact cash solutions to their clients.

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The IFI product names and logo are trademarks of IFI Network Inc. All other trademarks, logos, marks, and brand names are the property of their respective owners — used with permission.

IFI Network is not a bank. Customer funds are held in various custodial deposit accounts. Each customer authorizes the Custodian Bank, through IFI, to hold the customer’s funds in such accounts, in a custodial capacity, in order to effectuate the customer’s deposits to and withdrawals from the various bank products that the customer requests. The Custodian Bank does not establish bank terms, and does not provide advice to customers about bank products offered through ifinetwork.com. Northern Trust is the Custodian Bank. Deposit placement through IFI is subject to the terms, conditions, and disclosures in applicable agreements. Deposits that are placed through a qualified custodian and into FDIC-insured banks in IFI's network. These institutions are eligible for FDIC deposit insurance coverage at the network banks. The depositor may exclude banks from eligibility to receive its funds. To meet conditions for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks in the network that hold deposits placed using IFI services are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through an IFI service satisfies any restrictions on its deposits.

Please see our list of insured institutions here.
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