U.S. Bank hoàn thành bài kiểm tra thanh toán xuyên biên giới theo thời gian thực với stablecoin USBDC

The Huoxing Finance report states that U.S. Bank (a subsidiary of U.S. Bancorp), the fifth-largest commercial bank in the United States, has successfully completed a real-time cross-border payment test using its proprietary USD stablecoin, USBDC, facilitated via the Stellar blockchain between its North American and European entities. As one of the first bank-issued stablecoins deployed on a public blockchain, USBDC aims to bridge gaps in the global banking system through its 24/7 transaction capability. The pilot verified functionalities such as minting, payment redemption, freezing, and recovery of USBDC, while also testing the bank’s internally developed digital asset platform—the foundational infrastructure for issuing, managing, and transferring tokenized assets, enabling seamless integration between traditional banking systems and blockchain networks. Gunjan Kedia, Chairman and CEO of U.S. Bank, stated that this real-time pilot demonstrates its ability to accelerate global cash management and fund flows. The test was conducted under a strategic partnership with the Stellar Development Foundation, with future use cases including liquidity management, collateral transfer, and cross-border fiscal services. As global regulation for stablecoins advances, banks are accelerating their entry: last week, 21 financial institutions—including Bank of America, Citi, Goldman Sachs, and UBS—announced plans to form a company to issue stablecoins, with a target launch of a USD token in the first half of 2027.