Zelle to Power Cross-border Payments with Stablecoins

Zelle, a well-known U.S.-based payment platform used by millions of Americans to send money instantly, is planning to use stablecoins to power international money transfers. This news was announced by Early Warning Services, Zelle’s parent firm

Bringing Zelle’s Speed to Global Transfers

This development is a major shift for Zelle, which until now has focused solely on domestic payments between U.S. banks. With its new stablecoin-driven system, Zelle aims to take that same convenience to the global level

Early Warning Services explained that the initiative will connect global banks and credit unions through a faster and cheaper infrastructure for cross-border payments. Instead of waiting days and paying high transfer fees, users will be able to complete transactions almost instantly using stablecoins pegged to the U.S. dollar.

Zelle’s expansion has strong support from the U.S. financial sector. Early Warning Services is owned by seven major U.S. banks. These include Bank of America, JPMorgan Chase, Wells Fargo, Capital One, PNC, Truist, and U.S. Bank.

Together, these banking giants have built Zelle into one of the most trusted payment systems in the U.S. The company now works with more than 2,500 banks and credit unions across America. As announced, the new global system will be open to all financial institutions within the Zelle Network

Clearer U.S. Rules and Market Growth Fuel Zelle’s Stablecoin Ambitions

Zelle’s global plans come at a time when U.S. regulations around digital assets are becoming clearer. Earlier this year, the GENIUS Act established a federal framework for issuing and overseeing stablecoins.

Under the Trump administration, regulators have become more open to blockchain technology. This shift has encouraged not only Zelle but companies like Amazon, Meta, and PayPal to develop their own stablecoin plans

Furthermore, the global stablecoin market is also booming. Report shows that stablecoin’s total market value has reached $312 billion and could grow to $360 billion by January 2026. Standard Chartered analysts are even more bullish, saying stablecoins could grow to possibly $1 trillion in few years

Zelle Steps Up Global Competition in Cross-Border Payments

Zelle’s move also highlights the growing competition in international money transfers. Fintech companies like PayPal, Revolut, MoneyGram and Visa already offer cross-border payment options that attract younger, tech-savvy users.

Meanwhile, traditional remittance companies like Western Union are under pressure to adapt as new technologies make transfers faster and cheaper. Despite launching later than Venmo or Cash App, Zelle has become a powerhouse in the U.S. It now handles twice as many daily transactions as Venmo and five times as many as Block’s Cash App.

Zelle’s scale and banking ties give Early Warning Services strong confidence in its new direction. By combining the stability of U.S. banks with the efficiency of blockchain technology, Zelle is positioning itself as a trusted global player in the next era of digital payments.

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