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XLM Bank of America uses public blockchain infrastructure to achieve cross-border stablecoin settlements
It has been reported that U.S. Bank used the public blockchain track to transfer the USBDC between North America and Europe while retaining core banking controls. Despite the adoption of the open settlement model, compliance functions such as casting, redemption, freezing and recovery are still effective, meeting the security requirements of regulated banking operations. This case demonstrates how public blockchain infrastructure can support cross-border stablecoin flows while maintaining a strict compliance system.
The Stellar Network is receiving widespread attention from institutional investors as a major U.S. bank reportedly uses public blockchain infrastructure to transfer cross-border stablecoin. The transaction combines open settlement with control mechanisms specifically designed for regulated financial operations, marking an important shift in blockchain technology from experimental exploration to actual financial operations.
Public blockchain settlement test
It is reported that Bank of America has completed a real-time USBDC transfer between North America and Europe. The transaction does not use a private banking blockchain, but relies on public blockchain infrastructure. This option places regulated stablecoin movements in an open settlement environment and has important industry significance.
It is worth noting that banks retain a number of key controls in transactions, including asset casting, redemption, account freezing and fund recovery capabilities. These capabilities enable organizations to manage digital assets while meeting established compliance requirements. In addition, the transaction connects on-chain activities with internal risk management and compliance systems, narrowing the gap between traditional banking processes and digital settlements, demonstrating that public networks can meet institutional needs without weakening existing oversight mechanisms.
stablecoin controls remain key to adoption
The structure of this report has changed the way people think about the adoption of public blockchains. Institutions do not have to rely on Private Cloud for all regulated transfers. Instead, public infrastructure can provide settlement services, while banks continue to retain control over issued assets.
Cross-border flows are at the core of this development. stablecoins issued by banks have reportedly been transferred between North America and Europe over the Internet, suggesting that digital settlement can more directly connect different financial markets. For regulated institutions, cross-border transfers are not only about transaction speed, but also about maintaining the effectiveness of compliance controls throughout the digital value transfer process. The transaction successfully combined these requirements with blockchain-based settlement methods.
Application scenarios for public infrastructure expansion institutions
As of writing, according to CoinMarketCap data, XLM was trading at $0.1803. Although prices provide market background, the focus of this report is on the practical value of the Internet. This development supports the view that banks can leverage public blockchain infrastructure and that private systems are not the only way to settle controlled digital assets. Public networks can provide openness while allowing institutions to retain governance rights over stablecoins.
The strongest signal conveyed by the report is the combination of "openness" and "control." According to reports, Bank of America has not given up existing security measures when moving regulated digital funds. This combination provides a practical model for future cross-border settlements. For the broader ecosystem, the transaction closely connects institutional finance with public blockchain infrastructure, demonstrating how stablecoins can operate across national borders while leveraging the blockchain settlement track while maintaining the integrity of bank controls.
