Coinbase, Moov Bring Stablecoin Rails to U.S. Community Banks
Stablecoins are moving beyond crypto trading into round-the-clock payments and settlement, but U.S. community banks and credit unions often lack the scale and budgets to build digital-asset systems themselves. Combining Coinbase’s regulated infrastructure with Moov’s established payments platform could let smaller institutions offer such services through existing customer relationships while narrowing the technology gap with larger banks.
Coinbase and Moov announced the partnership on Sept. 10, 2026, targeting Moov’s network of more than 1,000 community banks and credit unions across the United States. Moov will use Coinbase Developer Platform custodial wallet accounts and payment APIs to support stablecoin acceptance, merchant settlement and real-time funding, including on weekends and holidays. The companies did not disclose the financial terms of the agreement.
All Coverage
2 original reportsThe Backstory
The history behind this eventCommunity Banks Explore Stablecoin Payment Uses and Issuance Strategies
Stablecoins maintain a stable value through backing by assets such as fiat currency and can be used for real-time settlement and payments between institutions. For community and midsize banks, adopting the technology could shorten clearing times and reduce costs. Experts caution, however, that banks should first define a clear use case—such as payments, deposits or cross-border remittances—before assessing compliance, reserve and technology frameworks.
The state-owned Bank of North Dakota plans to launch Roughrider Coin in 2026, making it a notable example of a local bank exploring stablecoin issuance. The bank has not yet disclosed the issuance size, reserve amount or exact launch date. Industry experts recommend that community banks first pilot the technology in specific payment scenarios before deciding whether to issue their own coin or partner with an external platform.
Subscribe to Mark Radar Weekly
Every Friday, the week's strongest signals in your inbox. Unsubscribe anytime.
If you search news on Google, you can set Mark Radar as a preferred source—our coverage will show up more often in your results. Set as preferred source on Google →