Zelle Integrates Stablecoins for Faster Cross-Border Payments

Early Warning Services, the parent company of payments platform Zelle, announced on October 24, 2025, that stablecoins will be integrated into Zelle to facilitate cross-border transactions for money flowing to and from the United States.

Zelle, launched in 2017, already features near-instant payments between users integrated into the online banking services of many US banks, including Wells Fargo, JP Morgan, Capital One, and PNC. In the announcement, Early Warning Services stated, "We're investing where consumer need, bank capability and global opportunity intersect." CEO Cameron Fowler added, "Zelle has transformed the way Americans transfer money domestically. Now, we’re working to provide the same fast and reliable service to consumers who use Zelle for cross-border remittances."

This move aligns with institutional adoption of stablecoins and blockchain technology for real-time settlement and cross-border commerce. The stablecoin market capitalization has surpassed $308 billion, driven by regulatory clarity from the GENIUS Act signed into law by US President Donald Trump in July 2025, which established a framework for stablecoins in the US.

Stablecoins, originally designed for crypto markets, are now widely used for cross-border commerce, remittances, and savings in inflationary economies. Patricio Mesri, co-CEO of Bybit’s Latin American arm, noted, "Crypto is actually changing the lives of people. You see adoption in Argentina, Venezuela, Bolivia, and Mexico increasing rapidly." Reeve Collins, co-founder of Tether, forecasted that all fiat currencies could become stablecoins by 2030.