Stablecoin Payments

Enable stablecoin payment rails alongside traditional banking. Bridge traditional finance and digital rails with infrastructure designed for GENIUS Act compliance.

Stablecoin payment rails architecture

The Stablecoin Payments Opportunity

Stablecoins bridge traditional finance and digital rails, enabling faster, more accessible payment networks. Galoy enables institutions to operate stablecoin payment infrastructure alongside traditional banking networks.

Faster Settlement

Near-instant stablecoin transfers versus days for traditional wire transfers.

Global Reach

Cross-border stablecoin payments without correspondent banking friction.

Regulatory Alignment

Designed for GENIUS Act compliance and regulated stablecoin frameworks.

Cross-border comparison: Wire/SWIFT vs Stablecoin Rails

Key Capabilities

Stablecoin infrastructure designed for regulated financial institutions

USDC & Tokenized Deposits

Support for USDC and tokenized deposit settlement. Multi-currency infrastructure that bridges fiat and digital rails.

Near-Instant Settlement

Stablecoin transfers settle in minutes, not the days required by traditional wire and ACH rails.

Cross-Border Payments

Send stablecoin payments globally without correspondent banking friction or multi-day settlement delays.

Regulatory Framework Alignment

Designed for compliance with the GENIUS Act framework and evolving state and federal stablecoin regulations.

Fiat On/Off Ramps

Seamless conversion between fiat and stablecoin rails through your existing banking infrastructure.

Audit & Reporting

Full transaction history with compliance hooks, monitoring, and reporting integration for regulatory examinations.

How Stablecoin Payments Work

1

Payment Initiated

Customer initiates a stablecoin payment or transfer through your institution's banking interface.

2

Conversion (if needed)

Fiat is converted to stablecoin through your institution's on-ramp process, or stablecoin is sent directly.

3

Near-Instant Settlement

Stablecoin settles on-chain in minutes. Recipient can hold as stablecoin or convert to local fiat.

4

Reconciliation

Transaction data flows to your GL and compliance systems. Full audit trail maintained automatically.

Works With Your Existing Core

Galoy deploys as a sidecar alongside your existing banking core, whether you run Jack Henry, FIS, Fiserv, or another platform. No core replacement required.

Stablecoin payment data flows back to your general ledger through your core's existing integration pathways, keeping your reporting and compliance workflows intact.

Galoy Stablecoin Engine
Sidecar API Integration
Your Banking Core
Jack Henry · FIS · Fiserv · Other

Ready to Offer Stablecoin Payment Services?

See how Galoy can help your institution operate stablecoin payment infrastructure.