FV Bank launches stablecoin invoicing for businesses

FV Bank has expanded its financial infrastructure platform to combine stablecoin settlement, digital asset custody, programmable payments and cross-border banking rails. The first product launched on the platform is Stablecoin Invoicing.

Available to all FV Bank users, the product lets businesses create itemised invoices from the bank's dashboard, send them by email or payment link, and accept payment in USDC or PYUSD. Counterparties can pay via WalletConnect, QR code, or direct transfer from a wallet or exchange, with funds converted and settled in US dollars upon receipt.

The wider platform targets fintechs, enterprises, marketplaces and AI-focused commerce businesses that need to move money across conventional payment systems and blockchain networks. FV Bank plans to add unified payment collection, stablecoin-based cross-border payments, virtual cards, API-managed accounts and developer tools.

The move pushes the Puerto Rico-based digital bank further into the market for regulated financial infrastructure tied to stablecoins. Businesses using stablecoins for supplier payments, treasury management, and international transfers have prompted banks and payments groups to develop services that connect digital tokens to existing banking systems.

First rollout

Stablecoin Invoicing is designed for business-to-business transactions, including software companies, marketplaces, freelancers and firms operating across borders. By allowing invoices to be paid in stablecoins and settled in dollars, it targets companies seeking faster receipt of funds than some bank and card rails typically provide.

The broader platform is built on FV Bank's existing banking, custody and compliance structure. Clients can use the system directly or integrate it through APIs and software development kits to embed banking and digital asset functions into their own products.

FV Bank is positioning the platform as a single environment for fiat and stablecoin flows at a time when more financial firms are testing regulated uses of digital assets. It says separate systems for banking, payments and crypto assets have made it harder for businesses to manage transactions across different networks.

"Modern finance has always been fragmented. Banking, payments, and digital assets have evolved on separate rails for too long," said Miles Paschini, Chief Executive Officer, FV Bank. "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."

Client demand

Among the areas identified for expansion are payment collection across fiat currencies and stablecoins, cross-border settlement linked to local-currency payout rails, API-managed accounts, payment tools for automated transaction workflows, virtual cards and developer access to its infrastructure.

That reflects a broader shift in the financial sector as stablecoins move beyond trading markets into payment and settlement uses. Financial institutions have been exploring how to offer these services within regulated structures as compliance expectations become clearer in the United States.

FV Bank said it had spent several years building the custody, operational and compliance systems needed to support the model, including the controls required to connect traditional banking services with digital asset settlement.

One point of differentiation the bank highlighted is the ability for outside fintech and technology companies to build or white-label services without taking on the full compliance and operational burden themselves. That could appeal to firms that want stablecoin settlement or programmable payment functions without having to arrange their own banking or custody arrangements.

Nitin Agarwal, Chief Revenue Officer, said the company had invested heavily in the underlying structure before expanding the platform.

"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 Agarwal. "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."

FV Bank said it will make further platform announcements during 2026 as it adds products to the system. The bank currently offers US dollar accounts, money market accounts, debit cards and stablecoin deposit and conversion services, and says it supports settlement across digital assets and fiat currencies in more than 45 currencies.