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FollowingBank of America expands its stablecoin layout
U.S. Bank has completed a test payment using its dollar-linked stablecoin USBDC. The transaction connects North America and Europe via the Stellar blockchain network and marks an early step in the wider adoption of stablecoins by traditional banks.
The Minneapolis-based bank entered into a partnership with Stellar and PricewaterhouseCoopers (PwC) in 2025 to build the USBDC. This pilot achieved the cross-border flow of digital assets while maintaining a compliance framework. The minting, payment and redemption of stablecoins are all completed in Bank of America's internal systems. This test signal shows the growing interest of institutions in stablecoin applications.
Why stablecoins still lag behind in bank penetration
Despite the strong interest from financial institutions, stablecoin payments are still at a limited stage. Remittances, business-to-business (B2B) payments, and capital market settlements are the most frequently mentioned use cases. McKinsey data shows that stablecoins account for less than 1% of total remittances, while their utilization rate in B2B and capital market payments is even lower than 0.01%.
In contrast, banks prefer tokenized deposits as a lower-risk option. Research shows that 24 of the top 50 banks are currently tracking the development of tokenized deposits. Cryptocurrency companies such as Circle and Tether still lead the market, while banks are mostly waiting for a clearer regulatory environment before launching their own stablecoin products.
The future of the industry: alliances rather than single currencies
Cornerstone Advisors 的 Tony DeSanctis 认为，稳定币将通过规模和协作实现增长。他指出，稳定币“将成为规模效应和互操作性的产物”，并将这一前景比作 Zelle 作为共享网络的崛起。他预测，“银行或支付处理商的联盟”可能是最终的形态。
DeSanctis 表示，较小的稳定币项目可能难以抗衡更大、更具互操作性的联盟解决方案。“提供单一币种的较小联盟或独立银行”可能会失去市场份额，而支持多家机构的较大解决方案则更有机会胜出。
美国银行的稳定币战略
USBDC 是美国银行更广泛稳定币战略的一部分。除了参与由超过 140 家银行、金融科技公司及加密公司组成的 Open USD 联盟外，美国银行还为 Anchorage Digital Bank 的稳定币平台提供托管服务，并提供比特币托管及加密货币 ETF 业务。
美国银行数字资产负责人 Jamie Walker 称此次试点是“向前迈进的一步”。他强调，美国银行专注于解决客户实际挑战的同时保持安全性和可靠性，并致力于跨数字资产网络的长期互操作性。Walker 表示，USBDC 将与开放标准及 Zelle 联盟并行运作，以满足不同的客户需求和使用场景。
正如 Stellar 所引用的观点所示，在此案例中，稳定币充当了一种比现有代理行管理货币兑换和合规的方法更快、更便宜的跨境支付手段。美国银行计划继续与符合 GENIUS 法案的稳定币发行商合作，包括成员如纽约梅隆银行、Huntington、Citizens、美国运通、Visa、Mastercard、Stripe、Adyen、Affirm、Klarna 和 Coinbase 在内的众多机构正共同推动这一进程。
