This Bank CEO Says Stablecoins Are the Newest Payment Rail

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'default'; </script> <div class="container my-5 article-post" id="singleContainer"> <div class="row " id="articlePost"> <div class="col-12 col-lg-8 ms-auto mb-4" id="insertArticle"> <h1 class="mb-4 text-center text-dark fw-bold display-6"> This Bank CEO Says Stablecoins Are the Newest Payment Rail </h1> <div class="post-info-right left relative article-author-box mb-2"> <div class="post-info-name"> <div class="row"> <div class="col-6 my-auto"> <span class="post-info-text small muted text-uppercase">By</span> <span class="author-name vcard fn small muted text-uppercase fw-bold" itemprop="author"> <a href="https://www.pymnts.com/author/pymnts/" title="Posts by PYMNTS" rel="author">PYMNTS</a> </span> <span class="small muted d-none d-md-inline"> | </span> <span class="small muted text-uppercase d-block d-md-inline">January 14, 2025</span> </div> <div class="col-6 text-end my-auto">  <a href="https://www.facebook.com/sharer.php?u=https://www.pymnts.com/blockchain/2025/this-bank-ceo-says-stablecoins-are-the-newest-payment-rail/&t=This+Bank+CEO+Says+Stablecoins+Are+the+Newest+Payment+Rail" title="Share on Facebook"><i class="bi bi-facebook me-1 text-dark"></i></a><a href="https://twitter.com/share?text=This+Bank+CEO+Says+Stablecoins+Are+the+Newest+Payment+Rail -&url=https://www.pymnts.com/blockchain/2025/this-bank-ceo-says-stablecoins-are-the-newest-payment-rail/" title="Tweet This Post"><i class="bi bi-twitter-x mx-1 mx-1 text-dark"></i></a><a href="https://www.linkedin.com/shareArticle?mini=true&url=https://www.pymnts.com/blockchain/2025/this-bank-ceo-says-stablecoins-are-the-newest-payment-rail/&title=This+Bank+CEO+Says+Stablecoins+Are+the+Newest+Payment+Rail&summary=&source=" title="Share on LinkedIn"><i class="bi bi-linkedin mx-1 mx-1 text-dark"></i></a><a href="mailto:?subject=This Bank CEO Says Stablecoins Are the Newest Payment Rail&BODY=I found this article interesting and want to share it with you. Check it out: https://www.pymnts.com/blockchain/2025/this-bank-ceo-says-stablecoins-are-the-newest-payment-rail/"><i class="bi bi-envelope-fill ms-1 me-0 ms-1 me-md-1 text-dark"></i></a> <span class="d-none d-md-inline"> | </span> <span class="d-block d-md-inline"> <button class="d-none d-lg-inline-block noHover audioPlay border-0 px-0 article-play-button fw-normal py-1 my-0" type="button" value="Play"> <i class="bi bi-play-circle-fill mx-1 text-dark"></i></button> <button class="d-lg-none noHover audioPlay border-0 px-0 article-play-button fw-normal py-1 my-0" type="button" value="Play"><span class="listenToArticle small text-uppercase"></span><i class="bi bi-play-circle-fill text-dark mx-1"></i></button> <button class="noHover audioPause border-0 px-0 article-pause-button py-1 my-0"><i class="bi bi-pause-circle-fill text-dark mx-0"></i></button> </span> </div></div> </div> </div> <div id="video-embed-2427116" class="video-embed left relative sec-feat mb-3"> <div style="position:relative;overflow:hidden;padding-bottom:56.25%"><iframe src="https://cdn.jwplayer.com/players/Hd6biK8X-YrbGYzGZ.html" width="100%" height="100%" frameborder="0" allow="autoplay" scrolling="auto" title="Episode | Fireside Chat | FV Bank | Miles Paschini" style="position:absolute;" allowfullscreen></iframe></div> </div> <div class="mb-3"></div> <div class="post-feat-text"> </div>  <div id="pymnts-content2427116" class="single lh-article mt-1 lnk-article"> <p><span data-preserver-spaces="true">Meeting customer needs is </span><span data-preserver-spaces="true">an</span><span data-preserver-spaces="true"> imperative for financial institutions aiming to stay competitive. But innovations often </span><span data-preserver-spaces="true">run into</span><span data-preserver-spaces="true"> the elephant in the room: outdated and incompatible banking tech stacks.</span></p> <p><span data-preserver-spaces="true">Offering financial and payment solutions such as blockchain and stablecoin services isn’t as simple as flipping a switch; it requires a reimagined back end capable of delivering speed, security and scalability.</span></p> <p><span data-preserver-spaces="true">“Going back into my career, the challenges we saw between FinTech companies creating new products and the natural friction with bank partners inspired us to build a bank from the ground up that caters to FinTech and blockchain,” </span><a class="editor-rtfLink" href="https://www.linkedin.com/in/milespaschini/" target="_blank" rel="noopener"><span data-preserver-spaces="true">Miles Paschini</span></a><span data-preserver-spaces="true">, CEO at <a href="https://www.fvbank.us/" target="_blank" rel="noopener">FV Bank</a>, told PYMNTS.</span></p> <p><span data-preserver-spaces="true">“FV Bank was </span><span data-preserver-spaces="true">really</span><span data-preserver-spaces="true"> founded out of necessity,” he added, noting that the FV, which stands for “FinTech Ventures,” reflects this mission. </span></p> <p><span data-preserver-spaces="true">As the demand for blockchain-based services grows, driven by client interest in cryptocurrency custody, tokenized assets, and real-time settlement, banks are under pressure to revamp their core infrastructure.</span></p> <p><span data-preserver-spaces="true">Stablecoins in particular have emerged as one way for banks to </span><span data-preserver-spaces="true">stand up</span><span data-preserver-spaces="true"> the crypto and FinTech innovations their customers desire.</span><span data-preserver-spaces="true"> However, incorporating stablecoins into banking operations is not without its challenges. Banks require robust infrastructure to ensure seamless, secure and compliant stablecoin integrations. </span></p> <p><span data-preserver-spaces="true">“This isn’t about replacing existing systems. It’s about providing an additional option. Where stablecoins offer superior benefits, customers will naturally gravitate toward them,” Paschini said, noting that he views stablecoins as complementary to traditional payment rails like ACH, Fedwire, and Swift.</span></p> <p><strong><span data-preserver-spaces="true">Read more</span></strong><span data-preserver-spaces="true">: </span><a class="editor-rtfLink" href="https://www.pymnts.com/cryptocurrency/2025/fv-bank-expands-stablecoin-offerings-with-paypal-pact/" target="_blank" rel="noopener"><span data-preserver-spaces="true">FV Bank Expands Stablecoin Offerings With PayPal </span><span data-preserver-spaces="true">Pact</span></a></p> <h2>Stablecoin-Compatible Banking</h2> <p><span data-preserver-spaces="true">On Jan. 9, FV Bank announced that it was integrating PayPal’s stablecoin PayPal USD (PYUSD) for direct deposits and outbound payments, building on its existing support for Circle’s USDC and Tether’s USDT. </span></p> <p><span data-preserver-spaces="true">This evolution, Paschini explained,</span><span data-preserver-spaces="true"> stems from a clear strategy to offer customers innovative solutions for payments and transactions.</span></p> <p><span data-preserver-spaces="true">“More than two years ago, we integrated Circle’s USDC stablecoin into our platform,” he shared. “Customers could raise an invoice and accept payment in USDC as a U.S. dollar deposit, without needing a wallet or exchange account. Similarly, they could convert U.S. dollars to USDC and send payments to wallet addresses.”</span></p> <p><span data-preserver-spaces="true">This straightforward process lowered barriers to adoption. Paschini observed that once customers began using stablecoins, they often favored them over traditional wire transfers due to their efficiency. “With PayPal’s PYUSD, we’re looking to move this capability into more traditional small and medium-sized enterprises, extending their ability to accept and make payments without needing expertise in blockchain.”</span></p> <p><span data-preserver-spaces="true">While early adoption was concentrated among digitally native companies like crypto exchanges and OTC desks, Paschini noted a growing interest from traditional businesses. </span></p> <p><span data-preserver-spaces="true">“We’re seeing broker-dealers use stablecoins to settle international securities transactions faster and more cost-effectively than wires,” he said. In regions with volatile currencies, businesses can leverage stablecoins to circumvent high foreign exchange spreads, providing a practical solution for cross-border payments.</span></p> <p><span data-preserver-spaces="true">One particularly promising use case is freelancer compensation. “If you’re a software developer in Latin America working for a U.S. company, you can receive your payment in stablecoins,” Paschini explained. “This avoids local currency conversion fees and provides immediate access to U.S. dollars.”</span></p> <h2>Overcoming Barriers</h2> <p><span data-preserver-spaces="true">Paschini emphasized that FV Bank’s success lies in making blockchain technology accessible. “The first step was removing barriers to trying out stablecoins,” he said. “We’ve designed our platform to make the process seamless, with integrated wallets and automatic liquidation.”</span></p> <p><span data-preserver-spaces="true">Compliance is another cornerstone of FV Bank’s approach. “Every transaction involving stablecoins undergoes anti-money laundering (AML) screening based on blockchain activity,” Paschini noted. “This protects our customers and fulfills regulatory obligations.” By investing in technologies that offer visibility into blockchain transactions, FV Bank provides a level of security that traditional banks with limited blockchain integration cannot match.</span></p> <p><span data-preserver-spaces="true">Having already integrated three major stablecoins, FV Bank is setting its sights on further expansion. “We’ve developed a template for stablecoin integration that’s about 95% transferable to new projects,” Paschini explained. “Our goal is to become a global leader in stablecoin integration, making blockchain interaction easier for customers.”</span></p> <p><span data-preserver-spaces="true">While acknowledging challenges for traditional banks with outdated infrastructures, Paschini remains optimistic. “As more banks integrate blockchain capabilities, customers will have greater choice in transferring value,” he said. “We’re blazing the trail for a future where blockchain is just another payment rail.”</span></p> <p><span data-preserver-spaces="true">Looking ahead, Paschini predicts a significant role </span><span data-preserver-spaces="true">for blockchain</span><span data-preserver-spaces="true"> in financial services.</span><span data-preserver-spaces="true"> “Stablecoins will be a competitive alternative to traditional systems,” he asserted. 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