We're celebrating our partnership announcement with @UpholdInc and @vastbank to launch the world's first retail tokenized deposits with 24k USBC gold and silver coins. Come to our booth at Money2020 (6021) to check them out and for a chance to get your own!

Moving money shouldn’t require holding money in 30 countries. But that’s how Western Union, MoneyGram, and even Wise still operate. The model is outdated: – Cash parked around the globe – Currency risk everywhere – Capital tied up just to simulate real-time movement USBC is

India built a national payments system that doesn't need Visa or Mastercard. Merchants pay zero interchange fees. Money moves instantly between accounts. Even tiny street vendors accept digital payments. How? Aadhaar + India Stack. No cards. Just infrastructure. The result?

India’s payment system runs on two pillars: Aadhaar and India Stack. Together, they enable instant money movement—with no Visa or Mastercard involved. “If this model goes global, do Visa and Mastercard get disrupted?” The answer depends on whether other countries can match the

When regulators ask, “What was this $10 million payment for?” the answer shouldn’t be buried in spreadsheets, vague memos, or missing PDFs. In modern finance, the evidence should travel with the transaction: sender, receiver, documents, purpose, all verified. “Every high-value

We’ve gone from “crypto is too risky” to “what’s our tokenized deposits strategy?” almost overnight. Now banks are scrambling to pick a path—deposit token or something else entirely—while still figuring out what they actually need. “Do we even need this product? How do we

Big announcement! Through @USBCxyz’s strategic partnership with @UpholdInc and @VastBank, we are launching the world’s first retail tokenized deposit issued by a nationally-chartered U.S. bank, designed to make U.S. dollar deposit accounts accessible worldwide. USBC tokenized

The goal of regulation isn’t to punish. It’s to protect investors. It’s to maintain fair markets. It’s to enable capital formation. Yet under recent leadership, we watched the exact opposite unfold. Investors harmed. Markets disrupted by unfair, inefficient processes. Capital

Good regulation is like watching a great sports game. The rules are clear. The referees are fair. And when they do their job well, you barely notice the refs because the game flows. They don’t pick sides. They don’t change the rules mid-play. They call what needs to be called,

Today’s platforms aren’t just tech layers—they’re financial intermediaries. There’s a reason Uber holds your money before your driver gets paid. It makes compliance and fraud control easier for Uber. But it also gives Uber all the leverage. They sit in the flow of funds, delay

Check out the Delivery Man's interview of USBC Chairman and CEO @gregkidd on Substack—Greg on USBC's North Star "Fair access and inclusion – anything that promotes those principles and pushes the ball forward.": https://t.co/jkjitLUPQD

Greg Kidd will be at Howard University tomorrow, representing both USBC and Vast Bank, speaking on our ecosystem's principles of fair financial access and open banking. Hope to see you there!

People often asks the wrong question: “Why do we need crypto for payments when Venmo exists?” That question disappears the moment you try to pay a supplier in Southeast Asia Or settle an invoice in Europe. Or send money home from Dubai to New York. Tokenized dollars aren’t a

“Question: What if platforms stopped being the middleman in every transaction?” When you pay for an Uber, the money doesn’t go to the driver directly. It goes to Uber and then to the driver at a later time (After Uber takes its cut). The same goes for Spotify, OnlyFans, and any

“FIS built a stablecoin platform for banks. I almost laughed when I read it.” You can't copy-paste crypto features onto bank infrastructure and call it a roadmap. “Stablecoins, by law, are not considered cash. A stablecoin platform actually damages banks' balance sheets.” This

“Having a system that’s based on 1-to-1 reserves collapses the credit function of the banking industry, it’s like going back to the gold standard.” This is the core tension. Stablecoins keep 1:1 reserves. Great for safety. But they kill the credit creation engine of the economy.

When we digitized banking ledgers in the 70s and 80s, most people didn’t trust computers with money. The shift felt uncomfortable, even risky. “Change is rarely embraced when it begins. It feels uncomfortable, unfamiliar, and sometimes threatening.” But once the benefits

JPMorgan’s approach to open banking: Gate your own digital money behind proprietary systems. Then raise prices for access. Then tell others to do the same. It’s not hard to see what this is. It’s a strategy built on control, not collaboration. “Remember AOL and CompuServe in

Big banks could build the future of finance. They have the tools. They have the talent. But they also have too much to lose. Their profits come from the old way of doing things. "This is why disruption almost never comes from incumbents. While incumbents possess the capability

“The financial world loves building walls. JPMorgan just proved it again.” They hiked data access fees 10x for fintechs trying to integrate, and they are building a closed deposit token system. “Not only are they actively closing their own doors, they’re actively encouraging