Zelle Enables Stablecoin International Transfers for 100 Million Customers

Zelle will facilitate international transfers using stablecoins for its 100 million U.S. customers across 1,800 banks. Announced by Early Warning Services on October 24, 2025, this initiative aims to expedite and reduce the cost of cross-border payments compared to traditional wire transfers.

Bank Network Expansion

All Zelle-connected banks can offer global remittance services.
Regulated stablecoins ensure compliance with KYC regulations.
Major banks, including Bank of America and JPMorgan, support this service.
Global cross-border flows account for $150 trillion annually, while stablecoins hold a 1% market share in 2025.

Banking-Crypto Bridge Forms

This development integrates traditional banking systems with blockchain technology.
It serves as a private proxy for a Central Bank Digital Currency (CBDC), enhancing dollar efficiency without federal issuance.
Ethereum's smart contracts are well-suited for payment processing needs.
Bitcoin benefits from increased liquidity due to this integration.
Pilot programs are set to commence in 2026.