Coinbase has announced a partnership with Stablecore, dated September 16, to embed regulated digital asset custody, trading, staking and stablecoin payments into banking systems whose integration footprint reaches more than 3,000 U.S. banks and credit unions. The collaboration is designed to bring crypto and stablecoins directly into local banking applications without forcing community financial institutions to replace their existing core banking, digital banking or compliance platforms.
Stablecore acts as a white-label orchestration layer between core banking systems, customer-facing digital banking software and compliance tools, while Coinbase provides the underlying regulated custody and exchange infrastructure. Participating bank and credit union customers could buy, sell, hold, stake and make payments with digital assets through their normal banking experience. Coinbase has not identified the specific stablecoins or blockchain networks that participating institutions will support, and the announcement does not publish transaction fees, custody charges, staking terms, minimum balances or a general customer launch date.
Amarillo National Bank in Texas is among the institutions already working with the Coinbase and Stablecore partnership program. In March, Q2 announced that Amarillo National Bank and Bank of Utah were early institutions working with Stablecore through Q2 Innovation Studio. By September 9, Q2 reported that Stablecore’s digital asset integration had moved from initial development into production in less than six months. William Ware, president of Amarillo National Bank, said: “Our customers want access to emerging payment methods.” Coinbase’s head of infrastructure business, Alec Lovett, said: “Community banks and credit unions shouldn’t have to choose between staying local and staying current.” Stablecore CEO Alex Treece said banks should be able to add the products without moving to completely different technology platforms.
Compliance infrastructure is developing alongside the banking integrations. Stablecore announced a separate September 15 partnership with Nasdaq Verafin that combines digital asset transaction information with traditional bank customer data for financial-crime monitoring. Amarillo National Bank is among the beta customers testing the Verafin integration, with broader rollout expected in the fourth quarter of 2026 and first quarter of 2027. U.S. banking regulators have clarified that national banks and federal savings associations may provide crypto custody, execute customer-directed purchases and sales, and outsource permissible crypto activities to third parties with appropriate risk controls. The OCC confirmed these permissions in 2025, and the Federal Reserve withdrew its separate advance-notification expectation for state member banks in April 2025.
The Stablecore agreement follows another Coinbase community-bank partnership announced six days earlier with Moov, which targets stablecoin acceptance, merchant settlement, payouts and real-time funding for more than 1,000 community banks and credit unions. The two arrangements cover different parts of banking infrastructure: Moov focuses on payment acceptance, merchant settlement and funding, while Stablecore’s announced product set reaches trading, custody, staking, stablecoin payments and integration with core and compliance systems.
