Stablecore
Stablecore is a B2B digital-asset core platform that enables US community banks and credit unions to offer stablecoins, tokenized deposits, digital asset accounts, and crypto-collateralized lending directly within their existing core and digital banking systems.
- Company typePrivate
- Founded2025
- HeadquartersDallas, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Stablecore does
Stablecore (legal entity Stable Financial, Inc.) is a B2B digital-asset infrastructure platform that enables US community and regional banks and credit unions to offer stablecoin payments, digital asset accounts, tokenized deposits, and digital-asset-collateralized lending within their existing core and digital banking environments. Its product suite covers four core modules — Stablecoins, Digital Asset Accounts and Exchange, Digital Asset Based Lending, and Tokenized Deposits — supplemented by use cases such as cross-border payments, treasury management, on/off-ramps, and stablecoin sponsor banking.
The platform is designed as a "digital asset core" layer that aggregates custody, key management, blockchain infrastructure, compliance, orchestration, and ledgering into a single integration. Stablecore connects directly to Jack Henry SilverLake (via jXchange), Jack Henry Symitar (via SymXchange), and Q2's Digital Banking Platform (via Q2 Innovation Studio), and is also accessible to 1,000+ institutions on the Banno Digital Platform. Compliance is delivered through a service-layer governance model and integrated blockchain intelligence from TRM Labs; the platform is built to align with the GENIUS Act and OCC, FDIC, Federal Reserve, and SEC guidance, and holds SOC 2 Type 2 certification.
The company monetizes through quote-based multi-year enterprise subscriptions priced to bank and credit-union clients, and sells exclusively through direct enterprise sales complemented by channel partnerships with core banking providers and four state banking associations (North Carolina, Tennessee, Maine, Utah). The September 2025 $20M seed round led by Norwest — with strategic participation from Coinbase Ventures, Curql, BankTech Ventures, and a coalition representing more than 290 banks and credit unions — provides the capital base to scale hiring and integrations through 2026.
Stablecore firmographics
Firmographics- Name
- Stablecore
- Legal name
- Stable Financial, Inc.
- Website
- https://stablecore.com
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Stablecore is a B2B digital-asset core platform that enables US community banks and credit unions to offer stablecoins, tokenized deposits, digital asset accounts, and crypto-collateralized lending directly within their existing core and digital banking systems.
- Ownership category
- akta.pro rank
Stablecore industry classification
Industry- Product category
- Digital Asset Banking Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
- akta.pro secondary industries
- Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ), Mint/Redeem, Issuance APIs & Treasury Operations Platforms (FSADADAE)
Keywords
Where Stablecore is headquartered
LocationHeadquarters
- HQ city
- Dallas
- HQ country
- United States
- HQ region
- North America
Markets served
Stablecore business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Digital Asset Infrastructure Platform: Stablecore provides a B2B digital asset core platform to banks and credit unions, enabling them to offer stablecoins, tokenized deposits, digital asset accounts, and lending products. Revenue appears to come from platform licensing and integration fees paid by financial institution clients for access to the digital asset infrastructure.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise B2B pricing for banks and credit unions |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Stablecore product offering
Product offeringCore offering
Stablecore provides a digital asset core platform that enables US community banks, regional banks, and credit unions to offer stablecoins, digital asset accounts, tokenized deposits, and digital-asset-collateralized lending directly inside their existing banking experiences. The platform integrates with core banking systems (Jack Henry SilverLake System and Symitar) and digital banking platforms (Q2, Banno) and aggregates custody, key management, blockchain infrastructure, compliance, orchestration, and ledgering into a single layer.
Product overview
Stablecore is a digital asset core platform for banks and credit unions, offering a unified platform with four core products: Stablecoins, Digital Asset Accounts & Exchange, Digital Asset Based Lending, and Tokenized Deposits. These products integrate with existing core banking systems (Jack Henry SilverLake System and Symitar) and digital banking platforms (Q2 Digital Banking Platform, Banno) without requiring institutions to change their underlying technology. The platform enables cross border payments, treasury management, digital asset investing, on/off-ramps, stablecoin sponsor banking, and digital asset collateralized loans. The architecture positions Stablecore as a 'side core' layer between traditional banking systems and digital asset services, unifying custody, compliance, orchestration, and blockchain infrastructure.
Differentiator
Problem solved
Functional benefit
Products and services
- Stablecoins Enables banks and credit unions to send and accept stablecoins directly inside their digital banking experience, supporting every major stablecoin on every major blockchain network with 24/7/365 instant, GENIUS Act-compliant rails.
- Digital Asset Accounts and Exchange Allows banks to offer digital asset accounts enabling customers to buy, sell, and hold Bitcoin and other digital assets directly within their existing digital banking experience, generating non-interest income from transaction fees.
- Digital Asset Based Lending Provides dollar-based loans with crypto collateral, enabling banks to offer over-collateralized, secured loans with attractive spreads, low expected loss, 24/7 collateral tracking, and integrated compliance.
- Tokenized Deposits Tokenizes bank deposits onchain while retaining FDIC insurance coverage, offering instant 24/7 settlement and programmable smart-contract payments while maintaining safety and soundness standards.
- Early-Access Stablecoin and Digital Asset Program for Credit Unions An early-access program enabling US credit unions to test and launch stablecoin and blockchain-based financial services, including stablecoins, tokenized deposits, Bitcoin access, crypto on/off-ramps, and staking, delivered in partnership with Circuit and Curql.
Quantifiable outcome
- Stablecoin transaction volumes grew significantly with stablecoins representing $33 trillion in annual transaction volume in 2025, up 72% from prior year
- +3 more outcomes
Companies that use Stablecore
Customer profileNamed customers5 records
Segments2 records
Ideal customer profiles2 records
Stablecore technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature5 records
Stablecore partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and strategic.
- CircuitcoreCircuit is a Credit Union Service Organization (CUSO) backed by Curql, a collective of more than 160 credit unions. Partnership launches early-access stablecoin and digital asset program for credit unions, enabling them to offer digital asset products including stablecoins, tokenized deposits, Bitcoin, on/off ramps, and staking directly within existing digital banking platforms.
- North Carolina Bankers AssociationcoreNCBA selected Stablecore as the preferred digital asset technology provider for its 80+ member institutions and 2,000+ branches. Partnership enables North Carolina banks to offer stablecoin accounts, digital asset accounts, tokenized deposits, and other digital asset products without changing existing technology infrastructure.
- Tennessee Bankers AssociationcoreTBA officially endorsed Stablecore as preferred technology provider for its 175 member institutions. Partnership enables Tennessee banks to offer stablecoin and digital asset products to remain competitive and provide additional value to customers.
- Maine Bankers AssociationcoreStrategic partnership making Stablecore the preferred technology provider for Maine Bankers Association member institutions. Enables Maine banks to offer stablecoin accounts, digital asset accounts with on/off ramps, tokenized deposits, digital asset-collateralized lending, and staking rewards.
- TRM LabsstrategicPartnership integrates TRM's blockchain intelligence and compliance tools directly into Stablecore's infrastructure, enabling financial institutions to offer stablecoin and digital asset products while maintaining regulatory compliance. Addresses KYC/AML requirements and blockchain transaction monitoring.
- Utah Bankers AssociationcoreUBA endorsed Stablecore as preferred technology provider for Utah's state-chartered banks. Bank of Utah, which participated in Stablecore's $20M funding round, became a customer reflecting Utah banks' commitment to digital asset capabilities.
- Q2 HoldingscorePartnership integrates Stablecore's stablecoin and digital asset offerings directly into Q2's Digital Banking Platform via Q2 Innovation Studio. Removes infrastructure hurdle for banks and credit unions to offer compliant digital asset products. Early adopters include Bank of Utah and Amarillo National Bank.
- Jack HenrycoreStablecore joined the Jack Henry Fintech Integration Network (FIN), enabling Jack Henry's approximately 1,670 bank and credit union core clients and 1,000+ institutions on the Banno Digital Platform to access institutional-grade digital asset products. Integration provides connectivity to SilverLake System via jXchange and Symitar via SymXchange without requiring institutions to change underlying core technology.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Stablecore competitors and assessment
Company assessmentDirect peers
- Circle: Issuer of USDC and operator of stablecoin payment and on/off-ramp infrastructure. Circle increasingly sells directly to banks and fintechs — overlapping directly with Stablecore's stablecoin rails and account products, though Circle also functions as an issuer rather than purely a neutral orchestration layer.
- Paxos: Regulated stablecoin issuer (PYUSD for PayPal, USDP) and institutional tokenization infrastructure provider. Paxos competes with Stablecore on stablecoin issuance rails and on bank-grade digital asset infrastructure for regulated institutions.
- Ripple: Provider of the RLUSD enterprise stablecoin and Ripple-branded payment network for cross-border bank payments. Directly competes with Stablecore on bank-grade stablecoin rails, tokenized deposits, and cross-border payment use cases for regulated institutions.
- Fireblocks: Institutional digital asset custody, settlement, and orchestration platform used by banks, fintechs, and trading firms. Overlaps with Stablecore's orchestration, custody integration, and stablecoin/digital-asset infrastructure offerings, though Fireblocks is positioned more as custody infrastructure than a bank digital-banking integration layer.
- BitGo: Qualified custodian and institutional digital asset infrastructure provider with bank custody products. Competes with Stablecore in providing the underlying custody, key management, and bank-grade digital asset stack that Stablecore integrates — and increasingly offers orchestration and lending capabilities.
- Anchorage Digital: Federally chartered digital asset bank providing custody, trading, staking, and issuance services to institutions. Comparable in targeting regulated financial institutions for digital asset products, though Anchorage is itself a chartered bank rather than a B2B platform sold to banks.
Emerging players
- Figure Technologies: Blockchain-native financial services firm with Provenance blockchain for asset tokenization, lending, and capital markets infrastructure. Overlaps with Stablecore's tokenized deposits, digital-asset-collateralized lending, and on-chain finance vision, though Figure typically serves capital markets rather than community banks/credit unions.
Broad incumbents
- Jack Henry: Dominant US core banking and digital banking technology provider (SilverLake, Symitar, Banno) whose Fintech Integration Network now distributes Stablecore. As both distribution partner and potential competitor, Jack Henry's strategic posture toward native digital-asset capabilities is a key risk/opportunity variable for Stablecore.
- Q2 Holdings: Major US digital banking platform vendor whose Innovation Studio now hosts Stablecore's integrations. Functions as both a distribution partner (similar to Jack Henry) and a potential competitor if Q2 elects to bundle digital-asset capabilities directly into its platform.
- Coinbase: Largest US-regulated crypto exchange and institutional custody/prime brokerage provider; Coinbase Ventures is also a Stablecore investor. Coinbase competes at the underlying provider layer (custody, exchange, staking) that Stablecore orchestrates, and could increasingly go direct to banks.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Stablecore social profiles
Digital presenceStablecore compliance and trust
Trust signalCompliance4 records
Stablecore financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stablecore leadership team
Management profileNumber of profiles
Profiles4 records
Stablecore funding detail
Funding detailFunding overview
Funding rounds1 record
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stablecore M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stablecore
What does Stablecore do?
Stablecore provides a digital asset core platform that enables US community banks, regional banks, and credit unions to offer stablecoins, digital asset accounts, tokenized deposits, and digital-asset-collateralized lending directly inside their existing banking experiences. The platform integrates with core banking systems (Jack Henry SilverLake System and Symitar) and digital banking platforms (Q2, Banno) and aggregates custody, key management, blockchain infrastructure, compliance, orchestration, and ledgering into a single layer.
Is Stablecore a public or private company?
Stablecore is a private company. It is classified as venture growth investor backed and is currently operating.
When was Stablecore founded?
Stablecore was founded in 2025. It employs 1 to 10 people.
Where is Stablecore based?
Stablecore is headquartered in Dallas, United States, in the North America region.
How does Stablecore make money?
One revenue line is on record: digital Asset Infrastructure Platform.
Who are Stablecore's main competitors?
Direct peers on record are Circle, Paxos, Ripple, Fireblocks, BitGo and Anchorage Digital. Figure Technologies is listed as an emerging player. Broad incumbents are Jack Henry, Q2 Holdings and Coinbase.
Does Stablecore have an API?
No public API is recorded for Stablecore.
What industry is Stablecore in?
Stablecore's product category is Digital Asset Banking Infrastructure. Its primary akta.pro industry code is BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms, with a secondary code of FSAPAIAJ, Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails). Its NAICS code is 522320 and its SIC code is 6200.