Stablecoin-powered funding

Our partnership with Highnote introduces 24/7 stablecoin-based funding for card programs. This allows Highnote's subscribers to fund US-based program accounts near-instantly in USD.

Here's how it works:

1. Highnote subscribers transfer funds using stablecoins
2. Funds are automatically converted to US dollars
3. USD is deposited in sponsor bank accounts in realtime
4. Card programs are funded instantly – even on nights, weekends, or holidays.
   ‍

‍

This is particularly valuable for high-velocity use cases including:

• Supplier payouts in AP automation
• Instant reimbursements in expense management
• Real-time settlements for marketplaces
• Funding flows for fleet and credit programs
  ‍

“Our subscribers are building real-time financial products for a global user base, and until now, they have still had to operate within the limits of the U.S. banking hours,” said John Macllwaine, CEO at Highnote. “This new capability eliminates that barrier, giving them true around the clock control over how and when to move money. More importantly, this is a foundational step that opens the door to deeper integration of digital assets across our platform, from funding in (acquiring) to funding out (issuance), and beyond.”

Freeing value from traditional constraints

This partnership is a prime example of how stablecoins can free up liquidity locked in complex payment flows that rely on traditional bank payment rails. Our stablecoin-native infrastructure at BVNK enables instant global value transfer, powering a new generation of financial services that innovators like Highnote are building today.

As digital asset adoption accelerates, stablecoins are expected to play an increasingly important role in optimizing payment flows, reducing costs, and enabling programmable money across issuing, acquiring, and credit.