Finzly announced its preparation to support stablecoin and tokenized deposits —adding to its platform that already supports Fedwire, RTP, FedNow, ACH, SWIFT, and cross-border rails. With its built-in multi-currency FX engine, Finzly’s platform is designed to support conversion between fiat and digital currency pairs, such as USD to USDC, enabling smoother multi-currency flows. Virtual accounts on the platform can function as wallet-like constructs, offering banks and fintechs a way to reflect and manage balances tied to stablecoin activity, while preserving visibility, control, and compliance alignment. “Banks are recognizing that stablecoins represent more than just another payment rail—they’re a gateway to programmable money, automated financial services and agentic commerce. Our API-first architecture and programmable rules engine will be able to make it easier for banks to implement stablecoin payments thoughtfully aligned with their compliance, operational, and customer experience goals,” said Dean Nolan, head of payment strategy at Finzly.
BankSocial’s tokenized liquidity network built on private permissioned DLT uses interoperable, tokenized rails to enable direct settlement between credit unions eliminating the need for acquirers and offering a real-time view of all transactions across participants
Bank Social is introducing a private permissioned tokenized liquidity network—a new form of modernized shared branching built on distributed ledger technology that may reshape how credit unions move money among themselves and with their members. According to Bank Social COO Becky Reed, the initiative is less about cryptocurrency speculation and more about creating the next-generation backbone for cooperative financial institutions. Under BankSocial’s new model, if a member of Credit Union A deposits funds at Credit Union B, a third party—a designated acquirer—typically facilitates the transaction, often using legacy infrastructure. Bank Social’s model eliminates the need for that intermediary by using interoperable, tokenized rails to enable direct settlement between institutions. “There’s no need for acquirers anymore,” said Reed. “Every participating credit union on the network can settle directly with any other credit union. It’s faster, cheaper, and more secure.” What really differentiates this new model, Reed emphasized, is network visibility and fraud prevention. Traditional payment systems hand off funds and visibility once money leaves the originating institution, leaving fraud detection fragmented and slow. The tokenized network provides a full, real-time view of all transactions across participants. “Using AI, we can analyze transaction patterns across the network in real time. So, if a fraud ring tries to exploit five different local credit unions within minutes of each other, the system can flag it—and even temporarily pause suspicious activity,” said Reed. The system is tokenized, meaning digital representations of value are issued and tracked on a distributed ledger. But these tokens are used strictly as transactional instruments—not investment vehicles, Reed explained. The fintech provides the technology platform and tokenization infrastructure, allowing credit unions to create and manage their own private liquidity networks, Reed explained.
The projected growth in stablecoin market from its current $250 billion to $900 billion could lead to a 1% decrease in both total bank assets and bank lending, translating into an estimated $325 billion reduction in available bank loans to the economy
An economic bulletin released by the Federal Reserve Bank of Kansas City says, “The effect of U.S. dollar stablecoins on the Treasury market will depend on the stablecoin market’s size and future growth.” U.S. banks currently allocate about 50 cents of every dollar in their assets to direct loans to the economy, totaling approximately $13 trillion. A hypothetical $1 shift of funds from a bank deposit to a stablecoin issuer is projected to decrease bank lending by around 50 cents, while simultaneously increasing total Treasury holdings by 30 cents, assuming current asset mixes hold for both banks and issuers. Should the stablecoin market expand as projected from its current $250 billion to $900 billion — a growth scenario considered within independent projections — this $650 billion shift could lead to a 1% decrease in both total bank assets and bank lending, translating into an estimated $325 billion reduction in available bank loans to the economy. The net effect on Treasury demand could vary depending on the source of funds for stablecoin purchases. Ultimately, any increased demand for Treasurys driven by stablecoins inherently diverts funding from other prior uses, including loans to the broader economy. As a result, the greenfield opportunity looms for platform and alternative lenders — the Upstarts and SoFis of the world that either have their own banks or use a mix of funding channels, including institutional investors, to capture at least some of that share of demand.
Cogni AI introduces autonomous agents for Web3 integration capable of monitoring blockchain transactions, triggering contract executions, processing data, and interacting with decentralized applications
Cogni AI, a technology company developing autonomous artificial intelligence agents, has announced the next phase of its platform aimed at automating processes across the Web3 ecosystem. The company’s AI Agents are designed to perform tasks independently, integrating with decentralized protocols, smart contracts, and blockchain-based systems. The agents are capable of performing a range of automated actions without manual intervention, including monitoring blockchain transactions, triggering contract executions, processing data, and interacting with decentralized applications. This functionality is intended to reduce friction in blockchain workflows while enabling new use cases for both businesses and individuals. The technology is built to address the growing need for intelligent automation within Web3. Cogni AI emphasizes fully autonomous execution. This approach allows its agents to make decisions, initiate actions, and adapt to changing conditions in real time. The platform supports multiple blockchain environments, enabling cross-chain interoperability. This is designed to allow AI Agents to operate in complex ecosystems, executing multi-step processes across various protocols without requiring centralized control. By combining AI-driven decision-making with smart contract execution, platforms like Cogni AI aim to streamline operations, improve efficiency, and open new possibilities for decentralized services. Cogni AI’s roadmap includes expanding agent capabilities to support more advanced logic, decentralized governance participation, and integration with enterprise systems.
Bank of America, Circle and the DTCC, have used the Canton Network blockchain platform to complete the first full on-chain financing of US Treasuries (UST) against the USDC stablecoin
A group of financial firms, including Bank of America, Circle and the DTCC, have used the Canton Network blockchain platform to complete the first full on-chain financing of US Treasuries (UST) against the USDC stablecoin. The live transaction – executed on Tradeweb – was conducted entirely on-chain, with USDC serving as the cash leg and on-chain UST as collateral, providing true 24/7 liquidity and eliminating the limitations of off-ledger cash and market-hour restrictions seen in legacy implementations. Digital Asset, the Wall Street-backed firm behind the Canton Network, says the transaction marks a “foundational step” towards building capital markets where high-quality liquid assets, such as UST, are available and usable at all times, regardless of traditional market hours or legacy settlement constraints. The partners also argue that the breakthrough will combine the strengths of traditional and crypto markets, pairing institutional trust and scale with the flexibility and programmability of DeFi. Market participants – including Citadel Securities and Societe Generale – used Tradeweb’s execution capabilities to access automated financing outside of market hours. The trade was executed without disclosing individual role allocations. Kelly Mathieson, chief business development officer, Digital Asset, says: “This first live transaction is a foundational step in building the Global Collateral Network on the Canton Network. It demonstrates how market participants can unlock real-time collateral mobility and round-the-clock financing using assets on chain, which lays the groundwork for a fundamentally more efficient and accessible global financial system.”
Mantle launches a crypto-first neobank, bridging traditional finance and DeFi, featuring unified account for fiat and crypto balances; virtual and physical cards for multi-currency global spending; auto-allocation into MI4 fund or DeFi strategies
Mantle, a leading modular blockchain ecosystem, has launched UR, a borderless smart money app and crypto-first neobank, aiming to simplify and unify financial experiences. The initiative, which is currently in beta testing, is part of Mantle’s mission to bridge decentralized and traditional finance for real-world utility. UR combines the usability of modern neobanks with the infrastructure of DeFi, allowing users to spend, save, and invest across fiat and crypto within a single account. Mantle Network’s high-performance modular blockchain and one of the largest community-owned treasuries in the crypto space support the initiative. The initiative is part of Mantle’s strategy to position itself as the go-to infrastructure for crypto-native finance, further strengthened by MI4, a tokenized crypto fund for diversified exposure. Key Features: Unified Account for fiat and crypto balances; Virtual and Physical Cards for multi-currency global spending; Auto-Allocation into MI4 fund or DeFi strategies; Credit Lines backed by on-chain assets like mETH and FBTC; Cashback-Style Yield Rewards with the Mantle Rewards Station, where users can lock MNT to boost their “MNT Power” and earn rewards; Direct Salary Deposits with real-time tokenization options.
Cogni AI’s autonomous agents for Web3 integration can perform tasks such as monitoring blockchain transactions, triggering contract executions, processing data, and interacting with decentralized applications
Cogni AI, a technology company, has announced the next phase of its platform for automating processes across the Web3 ecosystem. The platform’s AI Agents are designed to perform tasks independently, integrating with decentralized protocols, smart contracts, and blockchain-based systems. These agents can perform tasks such as monitoring blockchain transactions, triggering contract executions, processing data, and interacting with decentralized applications. The technology aims to reduce friction in blockchain workflows and enable new use cases for businesses and individuals. Cogni AI emphasizes fully autonomous execution, allowing agents to make decisions, initiate actions, and adapt to changing conditions in real time. The platform supports multiple blockchain environments, enabling cross-chain interoperability. The company’s roadmap includes expanding agent capabilities, decentralized governance participation, and integration with enterprise systems. The $COGNI token is a central element of the ecosystem, serving as an access key for agent deployment and resource allocation. AI Agents have the potential to transform sectors like decentralized finance and supply chain management, reducing costs, improving speed, and enabling services that would be impractical through manual processes alone.
Wirex integrates Circle’s EURC stablecoin with Visa’s settlement pilot, introducing on-chain automation and unified account management for fast, cost-effective, and transparent cross-border digital currency payments
Wirex is supporting EURC settlements through Visa’s stablecoin settlement pilot, marking a significant milestone in the evolution of blockchain-based payments in Europe. Following the successful completion of a testing phase, Wirex is now live with EURC settlement capabilities via the Visa Network. This collaboration enables near real-time settlement using EURC, a fully backed stablecoin issued by Circle and pegged 1:1 to the euro. The integration of EURC settlement allows Wirex to further streamline cross-border payments and enhance the efficiency of its crypto-to-fiat conversion infrastructure—enabling fast, secure, and cost-effective transactions for users. Benefits for the payments industry include: Fast settlements with near-instant processing times; Enhanced security and transparency through blockchain technology; Seamless user experience across crypto and fiat transactions , enabled by instant conversions at the point of sale, unified account management in a single app, and stablecoin-based settlement that eliminates traditional cross-border frictions. “Partnering with Visa to enable EURC settlements is a major step forward in our mission to make digital currencies practical for everyday payments,” said Svyatoslav Garal, Global Head of Payments at Wirex.
New Coinbase Stablecoin Bootstrap Fund leverages protocol-level asset allocation and automated liquidity workflows on top DeFi platforms, enabling early-stage onchain stablecoin market growth
Cryptocurrency exchange Coinbase has launched another installment of its Stablecoin Bootstrap Fund. The fund follows the 2019 debut of the initial fund, aimed at helping decentralized finance (DeFi) developers establish liquid marketplaces. The new fund will be overseen by Coinbase Asset Management (CBAM), with its first placements on Aave, Morpho, Kamino and Jupiter to bolster stablecoin liquidity within their ecosystems. The fund follows the 2019 debut of the initial fund, aimed at helping decentralized finance (DeFi) developers establish liquid marketplaces. The new fund will be overseen by Coinbase Asset Management (CBAM), with its first placements on Aave, Morpho, Kamino and Jupiter to bolster stablecoin liquidity within their ecosystems. “As we scale the fund over time and distribute liquidity across more protocols and stablecoins, we’re particularly eager to collaborate with pre-launch teams or those seeking to drive stablecoin growth from day one,” the company said. “We believe the future of finance is onchain, and we’re excited to lead the way by putting Coinbase’s own resources to work. The Stablecoin Bootstrap Fund is another effort that reflects our commitment to fostering a thriving onchain ecosystem.” The initial fund helped seed onchain liquidity for Coinbase’s USDC stablecoin across a variety of “blue-chip DeFi protocols, such as Uniswap, Compound and dYdX, helping drive robust liquidity in the early innings of DeFi.”
Ripple’s Rail integration lets businesses send stablecoin payments via traditional banking UI, with instant XRPL-based settlement and no crypto exposure, targeting SWIFT’s cross-border dominance
The Rail acquisition marks Ripple’s deeper push into B2B digital asset transactions, where stablecoins, including the upcoming Ripple stablecoin (RLUSD) are rapidly gaining traction. Rail’s core tech allows businesses to send and receive stablecoin payments without directly handling crypto assets or needing exchange accounts, solving key adoption barriers. Backed by integrations with over 12 banks, Rail’s platform streamlines regulatory compliance and operational friction — a perfect complement to Ripple’s 60+ global licenses and extensive payment rails. Analysts now speculate that Ripple and Rail together could process over 10% of the $36B global B2B stablecoin market in 2025, significantly advancing XRP’s role in enterprise payments. By acquiring Rail, Ripple removes the friction that has historically blocked enterprise blockchain adoption. Businesses can now access blockchain-settled stablecoin payments via familiar banking interfaces, with Rail handling behind-the-scenes tokenization and settlement. Funds can flow across major currency corridors without crypto exposure on corporate balance sheets. “We’ve built the fastest way to settle business payments with stablecoins,” said Rail CEO Bhanu Kohli. “By 2025, we expect to process more than 10 percent of the $36 billion B2B market.” This integration also adds 24/7 liquidity support for XRP, RLUSD, and other Ripple-linked assets — eliminating the settlement downtime common in legacy banking systems. The goal is clear: Ripple is not just growing — it’s aiming to own the rails for global digital asset payments. Ripple’s payment infrastructure, built on the XRPL, enables instant settlements and low-cost transactions, in stark contrast to SWIFT’s multi-day, high-fee framework. With institutional adoption rising and on-chain liquidity models becoming the norm, XRP is now seen as a viable bridge currency for global settlements. Ripple CEO Brad Garlinghouse recently predicted that XRP could handle up to 14% of SWIFT’s transaction volume within five years. This bold projection underscores Ripple’s growing institutional partnerships and its ambitions to dominate cross-border value movement. According to a Ripple report, demand for XRP is expected to rise alongside utility, particularly as the company deepens its regulatory moat and expands its product suite for businesses and governments.