Digital Assets

Coinbase and Moov Bring Stablecoin Payments to Community InstitutionsAdd Securities.io to your preferred sources on Google

Coinbase and Moov announced on September 10, 2026 a partnership to bring stablecoin payment acceptance, settlement, and real-time funding to more than 1,000 community banks and credit unions, according to a Coinbase blog post. The companies said the capabilities will be built directly into the core systems these institutions already use.

Moov provides payments infrastructure to a growing customer base of more than 1,000 community banks and credit unions across the country, connecting them to card acquiring and issuing, and real-time payment rails. Coinbase wrote that community banks and credit unions, which serve millions of customers, should not have to become crypto companies to participate as new financial infrastructure takes shape, and should have access to the infrastructure and regulatory clarity that lets them offer customers new ways to move money while continuing to own the customer relationship.

Integration and Use Cases

Under the partnership, Moov is integrating Coinbase’s stablecoin payments infrastructure into its existing payments platform, which the post states gives financial institutions a path to add stablecoin capabilities without building a separate crypto technology stack from scratch. Using CDP’s Custodial Wallet accounts for fund custody and the Payments API to orchestrate stablecoin movement, Moov can embed crypto rails directly into its existing product.

The infrastructure will support use cases including consumer stablecoin payments, merchant acceptance, merchant settlement, and payouts. For business and merchant-related payments, Moov will also use Coinbase’s fully disclosed custodial accounts.

The division of labor is straightforward, according to the post: Coinbase provides the regulated digital asset infrastructure, while Moov connects those capabilities to the payments infrastructure financial institutions and their customers already use, making stablecoin capabilities accessible to institutions that are not going to build and operate an entirely new technology stack themselves.

Executive Statements and Stated Direction

“Community banks and credit unions have witnessed their customers use digital assets for years. Through our partnership with Moov, Coinbase is delivering the regulated infrastructure they need to offer these services directly,” said Ryan VanGrack, Vice Chair and Head of Corporate Affairs at Coinbase. VanGrack said the infrastructure is embedded into existing systems and that modern technology should meet local institutions where they are, giving them the tools to compete with the largest players while preserving what has made them trusted in their communities.

Wade Arnold, co-founder and CEO of Moov, said merchants working with community institutions are already being asked to accept stablecoins and currently have to go outside their institution to do so. “We built this so the answer comes from their primary FI instead. Merchants need acceptance and disbursement now,” Arnold said. He said what comes next is bigger, describing funding that does not stop for weekends or holidays because the rail does not close, and said institutions that add the capability now will be positioned for both.

Jill Castilla, chairman, president, and CEO of Citizens Bank, said Citizens Bank of Edmond has spent 125 years listening to Main Street businesses and that community banks innovate by solving the problems they hear in their lobbies. She cited the bank’s patented ATM technology, its festivals and business incubators, and systems it developed for small business support in national crises, and said the bank’s small business customers are now looking for ways to lower interchange costs and get paid faster.

The post states the partnership will bring community banks the technology to stay relevant with Main Street while providing small businesses the opportunity to compete with the largest, arguing that keeping those dollars connected to community banks matters because local deposits become the next equipment purchase, restaurant expansion, or new venture.

Digital asset activity is already happening among customers of community banks and credit unions, according to the post, which frames the question as whether these institutions will have the tools to participate in that activity or watch more of it happen outside the financial relationships they have spent decades building. The post notes that community financial institutions have navigated technology shifts before by partnering with infrastructure providers rather than building every payment network or connection themselves, and states that stablecoins can follow the same model.

Community banks and credit unions collectively serve millions of consumers and businesses and play an essential role in lending to local communities, the post states, adding that as policymakers establish durable rules for digital assets, these institutions should have the opportunity to participate in the market those rules create.

Acceptance, settlement, and real-time funding are the starting point, according to the companies. Over time, Coinbase and Moov said they see opportunities to explore how digital assets could connect to more of the financial products community institutions already provide, while keeping those institutions at the center of the customer relationship.