Stablecoin-Enabled Accounts
Manage fiat and stablecoin activity through one integration for simpler operations, liquidity efficiency, and always‑on settlement.
Why Stablecoin-Enabled Accounts
Operate 24/7/365 over blockchain rails with seamless integration for reporting, reconciliation, and compliance processes.
Unified operations
One integration for both stablecoins and traditional rails (ACH, wires, RTP®, FedNow®).
USD reflected ledger
Stablecoin activity is reflected in USD.
Better liquidity efficiency
Reduce prefunding and free up trapped capital.
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Streamlined infrastructure
No separate crypto providers, wallets, or reconciliation processes.
“Offering this capability at Highnote moves us toward that reality by enabling continuous value movement with more efficient reconciliation.”
How it works
Stablecoin pay-ins → USD ledgering
Incoming stablecoin transfers are ledgered and reflected in USD in the corresponding COS account.
Stablecoin payouts → debit USD balance
Outgoing stablecoin transfers are debited from your USD account balance.
Single integration
Manage fiat and stablecoin flows together, with consolidated reporting and controls—no new wallet infrastructure required.
Supported today
USDC on Solana and Ethereum (additional stablecoins and blockchains coming soon).
Behind the Build: Stablecoin Payments
Key use cases
Unified infrastructure
Enable movement between fiat and stablecoins. Support instant wallet funding, withdrawals, and onchain pay-ins/payouts—all reflected as USD.
Corporate treasury & liquidity management
Hold, move, and convert funds between fiat and stablecoins to improve liquidity efficiency, support 24/7 operations, and reduce the need to prefund or park idle reserves.
Card issuing settlement
Settle card transactions using stablecoins to enable faster funding cycles and extended settlement windows.