The stablecoin era is here. Banks must lead the way.

Circle gives financial institutions the infrastructure, liquidity, and connectivity to power regulated¹ digital money safely and at scale.

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Banks remain the foundation of global finance. Trusted, regulated, and essential.

As money starts to move at internet speed, banks are under pressure to move faster and serve more customers globally while still innovating safely.

Stablecoins are redefining how value flows, creating a generational opportunity for banks — from global custodians to regional institutions — to lead the next phase of financial modernization.

Under the GENIUS Act, the first US federal stablecoin law, stablecoins are poised to operate within clear regulatory guardrails. That clarity is accelerating adoption and giving banks confidence to engage with stablecoin infrastructure safely and at scale.

Circle provides the infrastructure, liquidity, and onchain connectivity that help banks win in the stablecoin era.

Not all stablecoin partners are built for banks. Circle is.

Regulatory-first infrastructure

Circle operates under substantial regulation enacted by US and foreign governments, has built a robust compliance infrastructure, and maintains transparent, fully reserved assets. See our global list of licenses.

Liquidez de nivel institucional

As the issuer of USDC, the world’s largest regulated2 digital dollar, EURC,1 and USYC,3 Circle provides deep liquidity for near-instant issuance, redemption, and settlement.

Programmability and composability

Circle’s wallet infrastructure and digital asset platform allow banks to design and automate digital money services within existing systems, unlocking more efficient financial operations.

Interoperability, built-in

Through Circle’s multichain infrastructure, banks can move value seamlessly across supported chains, currencies, and networks with minimal friction.

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Global scale

Circle has powered more than $46T in transactions4 and reaches over 600M users worldwide,5 providing the connectivity and scale institutions can depend on. 

The stack that sets your strategy in motion

Circle’s full-stack platform gives banks — from large GSIBs to regional financial institutions — the flexibility to integrate stablecoins safely, efficiently, and at scale.

Access and liquidity

USDC1, EURC1, Circle Mint6

Near-instant redeemable liquidity through the world’s largest regulated2 digital dollar, and EURC, the largest euro-denominated stablecoin,7 with direct access minting tools for institutions.

Settlement and connectivity

Arc8, Circle Payments Network9

Real-time global settlement across currencies, networks, and partners.9 Built for regulated financial institutions, with sub-second finality and programmable privacy.8

Client experience and yield

USYC3, Wallets10

Secure customer wallets and tokenized yield assets that let banks embed digital dollar services directly within their ecosystems.

Soluciones

Build with Circle. Deliver for your clients.

With the GENIUS Act establishing clear rules for payment stablecoins, banks are empowered to launch regulation-first digital currency products built for global scale — with Circle.

Global money movement
Acceso al dólar digital
Trading

Global money movement

Enable USDC-powered, real-time cross-border payments, remittances, and treasury operations.

  • Reduce prefunding and weekend float

  • Complement existing correspondent banking rails

  • Match fintechs on speed with regulatory-grade controls

  • Serve customers globally with faster, programmable settlement

USDC

Circle Mint

CPN

Arc

EURC

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Acceso al dólar digital

Offer global digital dollar accounts and liquidity solutions customers can trust.

  • Provide always-on access to fully reserved, regulated2 digital dollars

  • Simplify global liquidity and FX management

  • Expand to new markets with trusted digital currencies

USDC

Circle Mint

Arc

Billeteras

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Trading and liquidity

Unlock 24/7 access to onchain markets using Circle’s interoperable stablecoins and yield-bearing assets.

  • Settle trades seamlessly in USDC

  • Tokenize and move collateral across markets

  • Access liquidity trusted by global exchanges and counterparties

  • Bridge traditional and tokenized markets, from Treasuries and repos to emerging tokenized money-market funds, with the liquidity and transparency of USDC

USDC

EURC

USYC

Circle Mint

Through USDC, Circle delivers the deep liquidity, crosschain connectivity, and enterprise-grade reliability that banks require to bring their stablecoin strategies to life.”

“
Kash Razzaghi
Director Comercial, Circle

Chosen by leading financial institutions worldwide

Banks are using Circle’s platform to modernize money movement, streamline operations, and enter the digital asset economy with confidence while maintaining their core strengths in compliance, trust, and customer relationships.

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Lead the next era of banking. Partner with Circle.

Circle partners with you at every stage of your digital transformation, combining regulation-first posture, broad ecosystem connectivity, and deep crosschain liquidity to modernize how money moves safely and at scale.

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  1. La emisión de USDC y EURC está a cargo de entidades reguladas de Circle. Aquí encontrará una lista de las autorizaciones regulatorias de Circle.
  2. USDC is issued through regulated entities of Circle. A list of Circle’s regulatory authorizations can be found here.
  3. USYC is a digital asset token. Each USYC token serves as a digital representation of a share of the Hashnote International Short Duration Fund Ltd. (the “Fund”), a Cayman Islands registered mutual fund. The Fund has appointed Circle International Bermuda Limited (“CIBL”), a Bermuda Monetary Authority licensed digital asset business, as its token administrator, responsible for the management of USYC on behalf of the Fund. 
    Shares of the Fund and USYC are only available to non-U.S. Persons, as defined under the Securities Act of 1933, as amended. Additional eligibility restrictions may apply.  The information provided herein is solely for educational and informational purposes and should not be construed as an offer to sell or a solicitation of an offer to buy any security, financial instrument, or other product.‍
  4. USDC lifetime onchain transaction volume as of Nov 3, 2025 7:00 PM‍
  5. Through our partners and the broader ecosystem that supports and integrates into the Circle stablecoin network, we touch more than 600 million users around the world as of June 30, 2025. 
  6. Circle Mint and money transmission services are provided by Circle Internet Financial, LLC, NMLS # 1201441, and Circle Internet Financial Europe SAS, Electronic Money Institution License No. 17788, when provided in France. A list of Circle’s regulatory authorizations can be found here. Circle Mint is currently available only to institutions and is not available to individuals.
  7. As of June 30, 2025 per CoinGecko
  8. Arc testnet is offered by Circle Technology Services, LLC (“CTS”). CTS is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws.
    ‍
    Arc has not been reviewed or approved by the New York State Department of Financial Services.

    The product features described in these materials are for informational purposes only. All product features may be modified, delayed, or cancelled without prior notice, at any time and at the sole discretion of Circle Technology Services, LLC. Nothing herein constitutes a commitment, warranty, guarantee or investment advice.
  9. Circle Technology Services, LLC (CTS) es el operador de Circle Payments Network (CPN) y ofrece productos y servicios a las instituciones financieras que participan en CPN para facilitar su acceso e integración con CPN. CPN conecta a las instituciones financieras participantes de todo el mundo y CTS actúa como proveedor de servicios tecnológicos para dichas instituciones. Si bien CTS no mantiene fondos ni gestiona cuentas en nombre de los clientes, permitimos que el ecosistema global de instituciones financieras participantes se conecten directamente entre sí, se comuniquen de forma segura y realicen liquidaciones directas entre sí. CTS no es parte en las transacciones entre instituciones financieras participantes que son facilitadas por CPN y estas instituciones utilizan CPN para realizar transacciones bajo su propio riesgo. El uso de CPN está sujeto a las Reglas de CPN y al Acuerdo de Participación de CPN entre CTS y la institución financiera participante.
  10. Circle Wallets are provided by Circle Technology Services, LLC (“CTS”). CTS is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws. For additional details, please see the Circle Developer Terms of Service..