Catenaa, Friday, September 18, 2026-Coinbase and payments infrastructure provider Moov are partnering to bring stablecoin payment acceptance, settlement and real-time funding capabilities to more than 1,000 community banks and credit unions.
The integration will combine Coinbase’s Payments API and custodial wallets with Moov’s existing payments platform.
That will allow participating financial institutions to offer stablecoin-based consumer payments, merchant acceptance, settlement and payouts without building their own crypto infrastructure.
The agreement extends Coinbase’s strategy of embedding digital-asset services directly into conventional banking systems.
Ryan VanGrack, Coinbase’s head of corporate affairs, said smaller financial institutions have watched customers increasingly use digital assets and need tools that allow them to compete with larger banks.
The partnership is particularly aimed at institutions that may lack the resources to build stablecoin infrastructure internally.
Moov already supplies payment technology to banks and credit unions, giving Coinbase a route into institutions that might otherwise face higher technical and compliance barriers to adopting digital assets.
Stablecoins are increasingly being tested as an alternative payment and settlement rail because they can move around the clock and settle without traditional banking-hour restrictions.
They can also allow merchants and institutions to move funds more quickly between counterparties.
Citizens Bank of Edmond CEO Jill Castilla said small businesses are increasingly seeking ways to reduce interchange costs and receive payments faster.
The Oklahoma-based community bank is among institutions exploring how newer payment systems could fit into existing banking services.
Coinbase’s role in banking has changed considerably over the past several years.
The company was initially used mainly as a crypto trading venue and custodian for financial institutions.
It has increasingly moved toward supplying infrastructure that banks can embed directly into their own products.
In July 2025, PNC partnered with Coinbase to offer crypto-related services to banking customers.
Coinbase later expanded relationships with Citi and JPMorgan as traditional financial institutions increased their involvement with stablecoins and digital payments.
The Moov agreement extends that model beyond large banks.
Instead of requiring smaller institutions to connect separately to blockchain infrastructure, Coinbase services can be integrated through the payment systems they already use.
That could make stablecoin functionality available to a broader segment of the US banking sector.
The partnership also supports Coinbase’s wider effort to position itself as infrastructure for both crypto-native markets and traditional finance.
Stablecoins have become central to that strategy because they connect blockchain networks with dollar-denominated payments and settlement.
For community banks and credit unions, the appeal is less about cryptocurrency trading than payment speed, merchant services and access to digital settlement rails.
The commercial challenge will be whether smaller institutions see enough customer demand to integrate those services at scale.
The regulatory environment will also influence adoption as US authorities continue developing rules covering stablecoin issuance, payments and banking exposure.
For Coinbase, however, the Moov partnership represents another step toward moving stablecoins from crypto exchanges into everyday financial infrastructure.
