FV Bank has announced an expansion of its financial infrastructure platform, bringing together stablecoin settlement, digital asset custody, programmable payments, cross-border banking services, and API-based financial tools within a single environment.
The company said the platform is designed to support transactions across both traditional financial systems and blockchain-based networks. Planned additions over the coming weeks include payment collection tools, stablecoin-powered cross-border payments, API-managed accounts, virtual cards, and developer-focused integration capabilities.
The first product launched under the expanded platform is Stablecoin Invoicing, which is now available to FV Bank customers. The service allows businesses to create invoices from the FV Bank dashboard and receive payments in the stablecoins USDC and PYUSD. Payments can be made through WalletConnect, QR codes, payment links, or direct wallet transfers. According to the company, received funds are automatically settled in U.S. dollars.
The launch comes as stablecoins continue to attract attention from banks, fintech companies, payment providers, and enterprise technology firms. While stablecoin transaction volumes have grown significantly in recent years, research suggests that real-world payment activity still represents a relatively small portion of overall stablecoin usage.
Thus, a study from McKinsey and Artemis Analytics estimated that annual stablecoin payments linked to goods and services amount to approximately $390 billion, representing a small share of global payment volumes. Separate analysis from BCG found that only a fraction of total stablecoin transfer activity is connected to observable economic transactions, with a substantial portion of volumes generated by trading activity, exchange settlements, and other crypto-market operations.
Industry observers have pointed to several factors that continue to affect broader stablecoin adoption. Regulatory frameworks vary significantly between jurisdictions, creating differences in how stablecoins can be issued, transferred, and used for payments. Payment infrastructure also remains fragmented, with varying levels of integration between blockchain networks, banking systems, and local payment rails. In some markets, regulatory clarity has progressed faster than infrastructure development, while in others, payment infrastructure is available but regulatory requirements remain uncertain.
Platforms that combine banking services, payment capabilities, compliance functions, and stablecoin settlement are increasingly being developed to address some of these operational challenges. By linking digital asset transfers with traditional financial rails, such platforms aim to reduce the number of intermediaries and systems businesses must manage when conducting cross-border transactions or handling multi-currency payments.
FV Bank’s expanded platform is built on its existing banking, custody, and compliance framework. The company stated that fintech firms, enterprises, marketplaces, and software providers can either use the services directly or integrate them into their own products through APIs and software development kits.
The platform’s roadmap includes several additional services. These include managed accounts that allow businesses to offer account functionality through APIs, a cross-border payments product combining stablecoin settlement with local-currency payouts, a unified payment collection layer for fiat and stablecoin transactions, and programmable virtual cards with policy controls.
The company is also placing emphasis on emerging use cases involving programmable finance. As software increasingly automates financial operations, organizations are exploring ways to embed payment execution, treasury management, and settlement processes directly into digital workflows. Stablecoins are often viewed as a potential component of these systems because blockchain-based transfers can operate continuously and support automated execution rules.
Another area receiving attention is agentic payments, where AI systems are given authority to initiate or manage transactions within predefined controls. Such models require payment infrastructure capable of supporting automated decision-making, programmable transaction rules, identity verification, compliance checks, and real-time settlement. FV Bank said several of its upcoming products, including APIs and virtual card services, are being developed with agentic-ready functionality in mind.
“Modern finance has always been fragmented. Banking, payments, and digital assets have evolved on separate rails for too long,” said Miles Paschini, CEO of 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.”
Nitin Agarwal, Chief Revenue Officer of FV Bank, added: “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. 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 additional platform capabilities and product announcements are expected throughout 2026 as the company continues to expand its regulated financial infrastructure offering.
