White-Label Bank Transfers for Stablecoin Flows
How US brands can offer ACH and RTP to stablecoin flows with a single white-label API, covering on-ramp, off-ramp, and instant payouts.
What Dropped
A white-label banking service now lets any brand combine U.S. bank transfers with on-chain settlement. With one API you can pull funds via ACH debit, accept RTP push payments, and push ACH credits, while minting or burning stablecoins behind the scenes. Your logo, your notifications, and your compliance workflows stay in front of the customer.
Why It Matters
Merchants and platforms want the speed of stablecoins without forcing users to touch crypto rails. Blending bank debits, instant RTP, and on-chain settlement removes multi-vendor orchestration, shortens settlement cycles, and keeps treasury balances visible in one dashboard.
- Spin up branded ACH and RTP flows without building bank integrations
- Keep balances synced between bank accounts and stablecoin treasuries
- Offer instant payouts and automated treasury sweeps in the same interface
- Cut card interchange and FX costs while keeping compliance guardrails
Flow Blueprint
The orchestration layer abstracts ACH batching, RTP messaging, and stablecoin mint/burns. You decide whether funds land on a smart wallet, custodial ledger, or treasury account before firing off automated compliance alerts.
| Flow | Bank Rail | Stablecoin Action |
|---|---|---|
| ACH debit → Stablecoin payout | NACHA same-day ACH debit with KYC verification | Mint USDC on Base and post to the recipient wallet instantly |
| RTP push → Stablecoin credit | The Clearing House RTP receive with ISO 20022 data | Credit user ledger in USDC and surface metadata to downstream smart contracts |
| Stablecoin burn → ACH credit | ACH credit to any U.S. bank account | Burn USDC and settle fiat to the destination account with branded notifications |
Integration Stack
- Bank rail adaptor: ACH and RTP endpoints with built-in return code handling
- Stablecoin ledger: USDC on Base for low-fee settlement and programmable payouts
- Wallet experience: passkey or embedded wallet options to keep UX non-custodial
- Compliance automation: KYB/KYC callbacks, OFAC checks, and transaction monitoring webhooks
Launch Checklist
- Connect treasury bank accounts and configure ACH/RTP limits
- Map stablecoin wallets or custodial sub-accounts for each customer segment
- Configure automated sweeps between bank balances and on-chain treasuries
- Instrument notifications so customers see branded emails, SMS, or webhooks at each step
- Pilot with a closed beta cohort to validate reconciliation and refund flows
Go-To-Market Plays
- Target software platforms serving marketplace payouts or expense programs that need faster settlement
- Bundle white-label statements so CFOs see fiat and on-chain balances together
- Offer revenue-sharing for partners that move volume through branded bank-to-chain flows