Finzly unveils strategy for its stablecoin and tokenized deposits within its API-centric, multi-route payment network platform.
In the rapidly evolving world of finance, a new player is making waves – stablecoins and tokenized deposits. These digital innovations are offering banks fast, cost-efficient, and global payment and transaction solutions, enabling real-time, 24/7 transfers outside traditional banking systems.
According to a recent report, stablecoins were involved in 50% of cross-border digital transactions in 2024, a significant leap from previous years. This trend is set to continue, with the circulation of stablecoins forecasted to reach $400 billion by year-end and $2 trillion by 2028.
Finzly, a leading payment infrastructure company, is preparing to support stablecoin and tokenized deposits. Their infrastructure allows banks to adopt new rails like stablecoins on their own terms, with full control over policy, compliance, and business logic.
Virtual accounts on Finzly's platform can function as wallet-like constructs, offering banks and fintechs a way to reflect and manage balances tied to stablecoin activity. This feature supports new financial services like decentralized finance (DeFi) and smart contract applications, driving innovation and competition in the banking sector.
Finzly's API-first architecture and programmable rules engine will help banks implement stablecoin payments thoughtfully aligned with their compliance, operational, and customer experience goals. The platform is designed to support conversion between fiat and digital currency pairs, such as USD to USDC, enabling smoother multi-currency flows.
Banks are recognizing the potential of stablecoins as a means to offer enhanced treasury and cash management services through programmable money and automated compliance systems, creating new operational efficiencies. The passage of the GENIUS Act provides clarity and certainty for US financial institutions regarding stablecoins.
The demand for stablecoin and tokenized deposits is growing rapidly, with programmable money becoming a reality. In a Finzly-hosted webinar on July 24, 2025, it was found that nearly half of payment leaders are exploring uses cases for programmable money.
Stablecoins can help financial institutions generate new revenue streams by slashing transaction fees for corporate clients and offering instantaneous settlement infrastructure. Moreover, they can deliver enhanced treasury and cash management services, particularly for emerging markets where remittance costs are reduced by an average of 4.5%.
Dean Nolan, Head of payment strategy at Finzly, states that stablecoins represent more than just another payment rail, they're a gateway to programmable money, automated financial services, and agentic commerce. The market for stablecoins could be worth up to $2 trillion by 2028, making it an opportunity that banks cannot afford to ignore.
As the world moves towards a more digital economy, the adoption of stablecoins and tokenized deposits is set to redefine the banking sector. Finzly is at the forefront of this transformation, providing a secure, compliant path to stablecoin adoption for banks and fintechs alike.
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