- FV Bank has launched Stablecoin Invoicing, allowing businesses to send itemized invoices payable in USDC or PYUSD directly from their banking dashboard, with payments settling in USD within seconds.
- The rollout is part of FV Bank’s broader regulated infrastructure platform combining stablecoin settlement, custody, cross-border rails, API-managed accounts and programmable finance.
FV Bank has combined stablecoin settlement, digital asset custody, programmable payments and cross-border banking rails inside a regulated banking environment.
The company says the platform is designed for businesses, fintechs, marketplaces and AI-native commerce platforms that need to move money across both fiat and blockchain-based rails.
The first product to go live is Stablecoin Invoicing.
The feature allows businesses to create itemized invoices from the FV Bank dashboard and accept payments in USDC or PayPal’s PYUSD.
According to FV Bank’s existing stablecoin payment infrastructure, USD balances can be converted into USDC or PYUSD for outbound payments, while incoming stablecoin payments can be converted into USD.
FV Bank says invoice recipients can pay through WalletConnect, QR code or direct transfer from a wallet or exchange.
The bank said funds settle in USD within seconds after the stablecoin payment is received. That makes the product part of a broader push to use stablecoins for business receivables, where companies want faster settlement than card networks, international wires or correspondent banking can typically provide.
The launch is aimed at global B2B businesses, SaaS platforms, marketplaces, freelancers and cross-border operators.
For those users, the value proposition is not only crypto acceptance. It is faster access to cash, clearer reconciliation and fewer delays between invoice payment and usable bank balance.
FV Bank previously introduced virtual accounts for SWIFT, ACH, domestic wire and stablecoin deposits to improve fund attribution and reconciliation.
“Modern finance has always been fragmented. Banking, payments, and digital assets have evolved on separate rails for too long. FV Bank is bringing those capabilities together through our regulated infrastructure, allowing clients to move faster, operate more efficiently, and build on infrastructure designed for the future of finance and commerce,” FV Bank CEO, Miles Paschini, said in a statement shared with AlexaBlockchain.
The announcement comes as stablecoins move deeper into regulated financial infrastructure.
FV Bank already supports direct stablecoin deposits and payments in USDC, USDT and PYUSD, with direct USD-to-stablecoin payments available for USDC and PYUSD. Users can send payments worldwide in USDC or PYUSD without holding stablecoin balances, with USD automatically converted into stablecoins before being sent to the recipient’s wallet.
That model is suitable for businesses as they do not want to manage crypto balances, private keys or exchange accounts.
They want stablecoin speed inside familiar banking workflows. FV Bank’s platform strategy is built around that demand: bank accounts, digital asset custody, stablecoin conversion, APIs, invoicing and payment tools in one environment.
The company said additional products will roll out through the second and third quarters of 2026.
These include cross-border settlement connected to local-currency payout rails in more than 45 currencies, API-managed accounts, unified payment collection, developer tools and agentic-ready virtual cards designed for AI systems making autonomous purchases.
The AI payment angle is becoming more important.
As software agents begin to make purchases, renew services or trigger payments on behalf of companies, financial infrastructure needs authorization rules, spending limits, compliance checks and audit trails that can operate without constant human involvement. Recent research on agentic stablecoin payments has also pointed to the need for compliance-aware controls when financial transfers are delegated to automated systems.
FV Bank’s argument is that those controls should sit inside regulated banking infrastructure, not only inside crypto wallets or smart contracts.
That positioning reflects a wider market shift. Stablecoins are increasingly being used for cross-border settlement, treasury operations and payment workflows, rather than only for crypto trading.
The regulatory backdrop has also changed.
The U.S. GENIUS Act was enacted on July 18, 2025, creating a regulatory framework for payment stablecoin activity. The Office of the Comptroller of the Currency said the law generally prohibits anyone other than a permitted payment stablecoin issuer from issuing a payment stablecoin in the United States.
In February 2026, the OCC requested public comment on proposed rules to implement the GENIUS Act.
The agency said the proposal addresses stablecoin regulations under its jurisdiction, while Bank Secrecy Act, anti-money laundering and sanctions-related rules would be handled separately in coordination with the Treasury Department.
That clarity has encouraged banks, card networks and payment companies to move faster.
Visa launched stablecoin settlement in the United States in December 2025, allowing select U.S. issuer and acquirer partners to settle VisaNet obligations using Circle’s USDC instead of only fiat. Visa later said its stablecoin settlement pilot supported nine blockchains and had reached $7 billion in volume.
Circle has also pushed stablecoin payments further into institutional infrastructure.
In April 2026, Circle launched CPN Managed Payments, a full-stack settlement platform designed to let payment service providers, fintechs, banks and global platforms adopt regulated stablecoin payments without holding or managing digital assets directly.
JPMorgan has taken a different route with tokenized bank deposits.
Its JPMD deposit token is described by Coinbase as a digital representation of U.S. dollar deposits held at JPMorgan, designed for institutional use and programmable settlement on selected blockchain networks.
PayPal’s PYUSD is another comparable effort.
FV Bank added PYUSD for direct deposits and outbound payments in January 2025, allowing account holders to receive PYUSD into USD accounts with automatic real-time conversion and send PYUSD payments globally. Coinbase later waived transaction fees for PYUSD and enabled direct redemption for U.S. dollars as part of a broader push to expand the stablecoin’s payment utility.
FV Bank’s strategy sits between those models.
It is not only issuing a stablecoin, running a card network pilot or offering a tokenized deposit for large institutions. It is trying to make stablecoins usable from a bank dashboard, with custody, compliance, invoicing, settlement and APIs packaged for businesses.
That could make the product useful for companies that want stablecoin settlement but do not want to become crypto operators.
The risk is that stablecoin payments still depend on issuer reserves, blockchain uptime, redemption mechanics, compliance screening and operational controls. Research published after the GENIUS Act has warned that stablecoin stability depends not only on reserve quality, but also on market infrastructure, liquidity and blockchain reliability.
FV Bank thinks that regulated banking rails can reduce some of that friction.
“We have made significant long-term investments in the compliance, custody, and operational infrastructure necessary to bridge traditional banking with digital asset settlement and programmable finance,” said Nitin Agarwal, Chief Revenue Officer of FV Bank.
“As demand accelerates for real-time and programmable financial infrastructure, FV Bank is uniquely positioned to provide clients with a platform that combines speed, flexibility, and regulatory oversight within a single environment,” Nitin added.
The broader story is not simply that another bank has added a stablecoin feature.
It is that stablecoin payments are moving from wallets and exchanges into the software layer businesses already use: invoices, bank accounts, APIs, cards and cross-border settlement tools.
If that shift continues, businesses may use blockchain rails without thinking of them as crypto rails at all.
The above article “This is the First U.S.-Chartered Depository Bank to Offer Stablecoin Invoicing” was first published on AlexaBlockchain. Read the complete article here: https://alexablockchain.com/first-u-s-chartered-depository-bank-to-offer-stablecoin-invoicing/
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