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EURC Nubank holding company Nu officially enters the U.S. market, Latin America's largest digital bank has moved out of its home country for the first time
Nubank's holding company Nu has officially entered the U.S. market, which is the first time that Latin America's largest digital bank has expanded its business beyond its traditional base camp. In an announcement released on September 10, the company launched a suite of U.S. banking services that includes Nu Global. Nu Global is a multi-currency account that converts customer deposits into USDC and EURC stablecoins.
The latest development, which combines traditional banking with on-chain exposure to US dollars and euros, suggests that mature financial technology companies are using stablecoins to compete in the cross-border capital flow market. Nu said the new product will start rolling out immediately and registration is currently open on nu.com.
Nu Global: Conversion of deposits to USDC and EURC
Nu Global is a multi-currency digital account that converts customers 'deposits into USDC, a stablecoin pegged to the U.S. dollar, or its euro equivalent, EURC. According to the announcement, the balance in this account will receive daily benefits: USDC annualized rate of return (APY) of 3.50%, EURC annualized rate of return of 2.20%.
The account is equipped with a virtual Mastercard, allowing customers to send and receive funds in more than 35 countries, including Europe and Latin America. Users can also hold and trade a select portfolio of digital assets directly within the app, including Bitcoin and Ethereum.
U.S. Banking Services Suite and Banking Licences Pending Approval
This time in the U.S. market includes the "Nu Account", which provides an annualized rate of return of 3.50% on each US dollar deposit. Interest is settled on a daily basis. The deposits are managed by the cooperative bank Lead Bank and enjoy insurance protection from the Federal Deposit Insurance Corporation (FDIC). In addition, the service also offers metal debit cards and Nu credit cards issued through MasterCard, which are free of annual fees and offer unlimited 1.5% cash back.
Nu applied for a national bank license from the Office of the Comptroller of the Currency last fall and received conditional approval in January 2026. The company said adopting the cooperative banking model allows it to start providing services to customers in advance while striving for a full banking license.
Signal from this expansion
Nu currently has more than 140 million customers in Brazil, Mexico and Colombia. Founder David Vélez called the move "the next chapter in the business we started thirteen years ago" and believes consumer-centered digital banking will be the future of global retail banking.
The company is entering a highly competitive market. According to data from the Boston Consulting Group (BCG), U.S. consumers pay approximately $82 billion in bank fees every year. Its stablecoin-backed accounts follow a broader wave of consolidation of cryptocurrencies in Latin American banks-a shift also reflected in Circle's partnership with Brazilian banks to expand the use of USDC.
