Catenaa, Saturday, December 20, 2025-Interactive Brokers has begun allowing US retail clients to fund brokerage accounts with stablecoins, providing faster, more flexible deposits directly from personal crypto wallets.
The feature, powered by Zerohash, is rolling out in phases and will be available depending on account type, jurisdiction, and regulatory requirements.
Currently, only USDC is supported. Clients select a blockchain network, such as Ethereum, Solana, or Base, during setup, and Zerohash generates a unique wallet address and QR code for transfers. Deposits are automatically converted to US dollars upon arrival.
Minimum transfers are $10, with per-transaction and daily limits of $25,000, and a $100,000 monthly cap. Zerohash applies a 0.3% conversion fee, and users must cover blockchain gas fees.
Interactive Brokers emphasized the importance of matching the blockchain network used for sending funds with the network selected during setup. Incorrect transfers may be rejected, delayed, or result in permanent loss.
Most deposits are credited within minutes after blockchain confirmation, offering speed advantages over ACH or wire transfers.
The move marks a step toward 24/7, bank-independent funding and reflects growing institutional acceptance of stablecoins for real-time settlement.
The platform’s phased rollout aligns with broader trends in digital finance, where stablecoins are increasingly viewed as practical alternatives to traditional dollar-denominated instruments.
Industry executives predict that stablecoins will continue entering mainstream financial infrastructure in 2026, facilitating seamless payments and expanding use cases for retail and institutional investors globally.
