A better way to move money

For many around the world, accessing and moving US dollars is still slow, expensive, or outright unavailable. From international freelancers to growing businesses in LATAM and Asia, users need faster, easier ways to fund their accounts.

Stablecoins have emerged as an alternative, enabling 24/7 access to digital dollars without the friction of correspondent banks or wire transfers.

As Djoeri Timissen, Chief Product Officer at Xapo Bank explained: “Customer behaviour is driving this shift. In February, over 41% of our USD inflows came through stablecoins. This isn’t an experiment, it’s an upgrade to how global users move money. Until now, using stablecoins with a bank account required clunky integrations or expensive and slow networks. This launch solves that problem.”

‍What’s different about this launch?

This isn’t just another funding option – it’s a reimagined banking experience with stablecoins enabling near-instant transfers, integrated into the Xapo Bank app.

The Xapo customer experience:

• Deposit stablecoins in seconds (powered by BVNK).
• Fund appears in USD near instantly, ready to use (powered by Xapo).
• Continue earning Bitcoin interest on USD holdings (powered by Xapo's full-reserve, licensed banking infrastructure)

Why it matters

Stablecoins now power core banking infrastructure for licensed financial institutions, providing global currency access in ways traditional systems can’t. 

The outcome? A USD bank account fundable in seconds from anywhere on earth.

What’s next

This is just the beginning. Together, BVNK and Xapo are building toward:

• Enabling members to withdraw stablecoins from their Xapo account.
• Support for more networks and assets.
• Expanded use cases beyond deposits, from cross-border payments and FX to treasury management.
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This is what happens when programmable finance meets regulated infrastructure.