Launch global banking products powered by stablecoins on Solana.
Stablecoins are rewriting the rules of banking. A new generation of digital banks now operates 24/7, settles instantly, and serves customers globally from day one. Whether you're launching a new stablecoin-native bank or integrating stablecoin rails into an existing institution, Solana provides the infrastructure to deliver modern banking experiences at a fraction of traditional costs.
- Secure Self-Custody: Provide non-custodial wallets with programmable, built-in compliance and full asset control.
- Low Risk Yield: Earn 3–4% yield via DeFi protocols and tokenized money market funds.
- Global Spending: Spend stablecoins anywhere with instant fiat conversion at the point of sale.
- On-Chain Credit: Access micro-loans and capital-efficient treasury management without legacy banking delays.
Major banks & fintechs are already building on Solana
Banking Today
The global banking system was built for a different era. ACH and SWIFT, the rails that power most cross-border payments today, were designed in the 1970s. The result: the average global remittance costs 6.5% in fees, settlement takes days, and the system goes dark on weekends. Working capital gets trapped. Customers in underserved markets go without.
Stablecoin banking changes the equation entirely. Built for internet-scale operations, Solana processes thousands of transactions per second at less than $0.001 each, 24 hours a day, 365 days a year. Settlement is instant. Borders are irrelevant. A single rail connects every market. Customers around the world have access to blue chip products, like on-chain Money Market Funds.
| Traditional Banking | Stablecoin Banking on Solana | |
|---|---|---|
| Infrastructure | 1970s ACH / SWIFT | Internet-native |
| Transaction costs | 6.5% avg. remittance | $0.001 |
| Availability | Business hours | 24/7/365 |
| Settlement | Days | Seconds |
| Geographic reach | Regionally fragmented | Borderless by default |
| Operational overhead | High — managing local rails | Single global rail |
| Revenue optionality | Low yield, high costs | Give your customers access to internet capital markets |
Two Ways to Build with Stablecoins
There's no single path to stablecoin banking. Generally speaking, companies are entering the ecosystem through two pathways, depending on your current market positioning:
Path 1: Stablecoin as Backend Infrastructure
For established banks and fintechs, the fastest route to value often isn't a full rebuild — it's adding stablecoin rails underneath existing products, without changing the user experience.
In this model, stablecoins handle settlement on the backend while customers continue to interact with a familiar, fiat-denominated experience. The result is dramatically faster settlement, lower costs, and 24/7 availability, with no change to the user interface your customers already trust.
Invisible Rails
The most immediate opportunity. Use stablecoins purely for backend settlement while customers enjoy the same experience they do today. Instead of Monday-to-Friday settlement windows, payments clear any time — including weekends. Instead of pre-funding accounts across corridors, capital moves just in time. Best suited for 24/7 settlement optimization, FX efficiency, and interbank flows.
New Product Lines
Launch a distinct “Digital Asset” offering. Think stablecoin financial accounts — dollar or euro-denominated wallets that customers can hold, spend, and earn on — without the overhead of a full core banking transformation. This approach is particularly powerful for serving customers who need access to hard currency but face barriers opening a traditional dollar account. You can also offer access to other crypto products, ranging from on-chain Money Market Funds to traditional token investments like Bitcoin.
Partner Selection
Your choice of infrastructure partner shapes everything downstream.
| Institutional/Bank-to-bank | Legacy core integration | Consumer/retail features | Custom/flexible buildout |
|---|---|---|---|
| Fireblocks, Lead Bank, Cross River Bank |
Crawl, Walk, Run: The path to natively adding stablecoin rails alongside traditional banking infrastructure:
- Connect stablecoin infrastructure to core banking via APIs
- Choose an integration approach: create a separate product line, make stablecoins the invisible backend rails, or do a hybrid integration
- Start with a specific use case (cross-border payments, institutional settlement, or treasury services) to augment existing users or reach new audiences
- Scale to additional corridors and financial products over time
- You can also start by working with an existing bank that is stablecoin native to do custody
The Customer Experience
Your customer-facing banking experience can stay the same. What changes is how funds move behind the scenes:
- Infrastructure connection: Integrate a stablecoin platform with your core banking system via APIs.
- Transaction routing: Define which transactions use stablecoin rails (eg, international wires, institutional settlement) vs. traditional banking.
- Stablecoin settlement: When a customer initiates a cross-border payment your system converts fiat to stablecoins, transfers on Solana (in seconds, and for fractions of a penny), and converts to recipient’s local currency.
- Yield and earning: Use yield-bearing stablecoins, swap into existing on-chain money market funds (like Franklin Templeton’s BENJI or Blackrock’s BUIDL), or take advantage of the broader on-chain credit ecosystem to pass on earnings to your client).
- Customer view: Customers see a standard international transfer in their banking app–stablecoins work invisibility in the background, or as an explicit stablecoin option if you choose.
Path 2: Stablecoins as the Full Embedded Experience
For neobanks launching from scratch — and for fintechs ready to go deeper — stablecoins can deliver a more extensible, flexible, and global product than traditional banking systems.
Stablecoin-native banks can launch in months with small engineering teams, assembling modular infrastructure from a growing ecosystem of specialized partners. The result is a full banking experience: multi-currency accounts, instant global transfers, yield on deposits, and cards linked to stablecoin balances. Customer acquisition costs can run 90% lower than traditional banking, and the product is global from day one.
The core stack has three layers:
Wallet & Account Infrastructure creates and manages user accounts, handles authentication, and provides the wallet functionality at the core of your product.
On/Off-Ramp Providers bridge between fiat and stablecoins — the entry and exit points for your customers' money. Consider geographic coverage, supported fiat currencies, settlement times, and fee structures when selecting your provider.
Custody and Treasury Management handles secure stablecoin storage, access controls, yield deployment, and treasury operations. The build-vs-buy decision here comes down to how much control you want over key management, core banking integration, and product development — versus the speed, scaleability, and third-party licensing that comes with a managed partner.
Additional Products
Add additional functionality to deepen your relationship with customers and drive additional revenue:
CARDS Create stablecoin-backed global card program in weeks.
YIELD Integrate with on-chain money market funds or lending protocols as an opportunity to earn yield.
TRADING Embed decentralized liquidity via API to allow users to swap assets without leaving your banking interface.
PREDICTION MARKETS Integrate event-based markets to offer hedging tools against real-world outcomes with instant settlement.
TOKENIZED SECURITIES Connect to RWA protocols to offer fractionalized access to government bonds or private credit with 24/7 liquidity.
Crawl, Walk, Run: Launch globally with accounts, transfers, cards, and yield in a matter of months
- Launch with wallet infrastructure for account management
- Integrate on/off ramps to connection fiat and stablecoins
- Add financial services via modular APIs: cards, yield, FX, payments
- Add a global card program
The Customer Experience
It’s simple. What changes is the underlying infrastructure:
- Account creation: User signs up and completes KYC. A stablecoin wallet is automatically created.
- Funding: User deposits fiat via bank transfer or card. An orchestration partner relays fiat payments, converting to stablecoins that instantly settle in the user’s wallet.
- Banking operations: User makes payments, earns yield, spends with cards, invests in assets, and manages their financial operations – all powered by stablecoins on Solana.
What Stablecoins on Solana Make Possible
- Stablecoin Financial Accounts: Give customers dollar or euro-denominated wallets they can hold, spend, and earn on — without the cost of a traditional dollar account. For users in emerging markets, a stablecoin wallet means access to hard currency with no FX volatility and no conversion required until needed.
- Yield on Deposits: Offer competitive high yields by integrating with on-chain money market funds (Franklin Templeton's BENJI, BlackRock's BUIDL, Apollo, State Street, Fidelity, WisdomTree) or lending protocols like Kamino and Figure. Yield-bearing stablecoins like USDG pass interest directly to distribution partners with minimal overhead.
- Cards: Rain and Reap launch stablecoin-backed global card programs in weeks. Customers spend balances anywhere Visa is accepted; merchants settle on stablecoin rails without changing anything on their end.
- Credit and Lending: Offer micro-loans through ecosystem partners like Tala — without managing underwriting or credit risk yourself. You own the customer relationship; the ecosystem handles the complexity.
- Trading and Advanced Products: Embed decentralized liquidity for in-app asset swaps (Drift), event-based hedging tools via prediction markets (Kalshi), and fractionalized access to government bonds and private credit with 24/7 liquidity (Ondo).
Why Solana?
While stablecoins provide the medium of exchange, the underlying blockchain determines the speed, cost, and scale of your neobank. Solana is uniquely optimized for consumer-facing financial applications.
- Built for consumer scale: Solana processes thousands of transactions per second with sub-second finality. Whether you have 1,000 or 10 million users, the network handles peak loads without degradation. Read about how local fee markets ensure low-cost transactions, even during high throughput.
- Deep stablecoin liquidity: Solana is home to 100% of the world's top 10 stablecoins. This means seamless on/off ramping, tight spreads for FX, and instant liquidity for user withdrawals—without pre-funding requirements. In Q3 alone, $3 trillion in USDC and USDT transacted on Solana.
- Battle-tested infrastructure: Solana is not experimental tech—it's trusted global infrastructure. Solana Mainnet has been live since 2020. Every day, Solana processes more transactions than every other blockchain combined.
- Institutional Trust: Major financial leaders including Visa, PayPal, Fiserv, and Western Union have chosen Solana for stablecoin payments.
- Complete ecosystem: Solana's developer ecosystem includes everything you need to build a neobank—wallet infrastructure, on/off ramps, card issuers, yield protocols, compliance tools, and more. Build custom or integrate turnkey solutions.
- Compliance-ready by design: Token extensions enable confidential transfers, freeze & seize capabilities, and native transaction memos—giving you the tools to meet regulatory requirements. Contra provides a fully private execution environment with secure bridges to mainnet liquidity.