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XLM Bank of America completes cross-border USBDC pilot on the Stellar network
U.S. Bank recently announced that it has successfully completed the cross-border real-time pilot project of its own stablecoin USBDC on the Stellar blockchain. The pilot directly connects banking entities in North America and Europe, achieving efficient flow of funds. With the advancement of Bank of America's blockchain pilot in 2026, the value of real-world assets (RWAs) on the Stellar network has increased significantly from approximately US$785.6 million since January this year. This background provides an important industry context for this pilot.
Currently, Bank of America is exploring application scenarios such as liquidity management, collateral liquidity and treasury operations, aiming to support regulated global chain capital flows through Stellar. As Bank of America completes this USBDC cross-border payment pilot, Stellar blockchain is attracting the attention of more and more institutional investors.
Bank of America confirmed that it has successfully executed this real-time USBDC pilot transaction. The transfer was transferred between banking entities in North America and Europe using the Stellar network. Banks define USBDC as their own dollar-backed stablecoins. The transaction not only tests on-chain value transfer, but also verifies its compatibility with existing bank control systems. Bank of America maintains integration with its financial, risk, compliance and operational infrastructure, an architecture that allows the pilot to assess the potential of blockchain technology in established banking processes.
RWA growth provides market context
Relevant data shows that the value of real-world assets (RWA) on Stellar's network has increased significantly in 2026. As of early January this year, the reported value of RWA was approximately US$785.6 million, and thereafter the full-year data showed a significant upward trend. This increase places Bank of America's pilot activities in the broader context of network development. Real-world assets are one of the important areas for blockchain technology to support institutional financial activities, and the chart visually records the expansion of tokenized asset activity.
Although market views believe that the expansion of the RWA base will be a positive factor for XLM's prospects, existing materials have not established a direct price response. To maintain the objectivity of the information, this article does not add any unconfirmed price forecasts, but instead focuses on institutional activity, RWA growth and the bank pilot itself.
Outlook for broader banking applications
Bank of America said the pilot is part of its digital asset strategy. The bank is also exploring other applications involving liquidity management and collateral liquidity, and cross-border treasury operations are also potential areas mentioned in the announcement. These applications go beyond the scope of single stablecoin payment testing and involve financial functions that can support operations with faster settlement speeds and on-chain mobility. Banks are evaluating these uses while maintaining existing risk and compliance frameworks.
The announcement also mentioned Bank of America's relationship with Stellar Development Foundation. Banks described Stellar as an institution-level blockchain infrastructure for regulated financial services and highlighted its global reach, near-instant settlement capabilities and potential lower-cost advantages. Therefore, this specific banking business development is accompanied by market discussions on why Bank of America is optimistic about the Stellar network. Existing evidence points to multiple directions such as cross-border payments, stable currency circulation, tokenized assets, and institutional treasury applications.
