How Banks and Institutions Can Harness Stablecoins for Revenue Growth

Introduction: $26 Billion in Savings by 2028 — The Stablecoin Opportunity Banks Can’t Ignore

In 2025, Juniper Research forecasted that stablecoins could save businesses over $26 billion annually by 2028—a reflection of how these fiat-pegged digital assets are transforming payment infrastructure, liquidity, and capital efficiency across global markets. Recent regulatory milestones - including Hong Kong's stablecoin licensing framework and U.S. stablecoin legislation for GENIUS Act - provide the compliance clarity institutions need to engage with confidence, making stablecoin products a core component of modern financial strategies.

With stablecoin market caps exceeding $210 billion, and transaction volumes surging to $700 billion monthly, financial institutions are no longer questioning if they should engage with stablecoins—but how they can do so securely, profitably, and within regulatory bounds.

Banks operating under frameworks like Basel III, the incoming Basel IV, and FATF travel rules need solutions that go beyond market hype. They need compliance-aligned digital asset infrastructure that integrates seamlessly with their risk, liquidity, and capital requirements.

This guide outlines how banks and institutions can deploy stablecoins strategically—without compromising security, compliance, or capital integrity.

Why Banks Are Taking Stablecoins Seriously

Stablecoins offer programmable value, rapid settlement, and lower costs compared to SWIFT, ACH, or wire-based rails. More importantly, they’re blockchain-native, enabling real-time visibility across all transactions.

Key Business Benefits:

• T+0 settlement for remittances and B2B payments
  
• Cost reduction of up to 80% vs traditional FX and wire fees
  
• Real-time liquidity and treasury optimization
  
• Transparency and traceability for audits and compliance teams
  

And as stablecoins become more regulated—through efforts like the EU's MiCA, U.S. stablecoin bills, and Asia's sandbox pilots—banks now have clear paths to compliant integration.

5 Profitable Ways Banks Can Monetize Stablecoin Infrastructure

1. Issue Your Own Branded Stablecoin

Banks can issue regulated, fiat-backed stablecoins (e.g., USD, EUR, HKD) to maintain full control over minting, redemption, float management, and participation across a growing ecosystem of digital assets and decentralized platforms.

Beyond just transaction rails, branded stablecoins unlock multiple monetization paths:

• API Monetization & Usage-Based Fees
  Offer enterprise APIs for stablecoin issuance, redemption, and transfer—charging per transaction or volume tier.
  
• Liquidity Provision & Market Making
  Use bank-issued stablecoins to provide liquidity across exchanges, OTC desks, and DeFi protocols—capturing spreads and LP incentives while driving token adoption.
  
• Tokenized Asset Collateralization
  Enable corporate clients and institutional investors to use stablecoins as on-chain collateral for tokenized bonds, deposits, and structured products—generating interest, custody, and orchestration fees.
  
• Embedded Banking for Web3 & CBDC Interoperability Position your stablecoin as a gateway layer between fiat systems, Web3 platforms, and future CBDC pilots—embedding regulated banking infrastructure into digital-native applications and wallets.
  

Branded stablecoins are no longer just a digital extension of deposits—they’re programmable infrastructure for revenue-generating financial services in both traditional and on-chain ecosystems.

2. Deploy a White-Label Crypto Exchange with Stablecoin Pairs

A branded platform enables banks to offer regulated stablecoin spot trading, swaps, and staking—while earning spreads, maker/taker fees, and custody premiums. A white-label crypto exchange specializing in stablecoin trading allows banks and financial institutions to tap into the growing digital asset market while leveraging their existing infrastructure and regulatory compliance. By offering spot trading, swaps, and staking services for stablecoins, banks can generate new revenue streams through trading fees, spreads, custody premiums, and yield opportunities—all without the volatility of traditional cryptocurrencies.

Since stablecoins are pegged to fiat currencies, they present lower risk compared to other crypto assets, making them ideal for institutional adoption. A branded exchange also helps banks retain clients by providing seamless on/off-ramps between fiat and digital assets, facilitating cross-border payments, and enabling corporate treasury services.

By using a white-label solution, banks can launch quickly, avoid high development costs, and focus on monetization while maintaining regulatory compliance. This positions them as modern financial hubs, bridging traditional banking with the future of digital finance.

3. Stablecoin-Based Cross-Border Settlement

Eliminate intermediaries and FX conversion fees by offering real-time payments via USDT, USDC, or custom stablecoins. Smart routing across chains like Ethereum, Tron, or BSC allows high-efficiency global payouts.

4. Tokenize Traditional Deposits or Treasury Assets

Banks can leverage stablecoins to tokenize traditional financial instruments—such as short-term debt, cash equivalents, or time deposits—bringing these assets onto programmable rails.

This unlocks:

• Fractional Liquidity & Real-Time Settlement
  Tokenized deposits can be traded, redeemed, or settled 24/7—eliminating operational delays and improving capital efficiency.
  
• Yield Generation & Asset Mobilization
  Institutions can offer tokenized savings, structured products, or notes backed by stablecoin flows, turning static balance sheet items into yield-bearing assets.
  
• End-to-End Issuance & Custody Services
  With tokenization infrastructure, banks can manage the entire lifecycle—from issuance and compliance checks to custody and redemption—under a single regulatory framework.

By wrapping traditional assets in stablecoin-backed formats, banks gain new ways to serve institutional clients while creating fresh fee-based revenue models across custody, issuance, and transaction services.

5. Offer Enterprise Custody & On-Ramp Services

Provide custody-as-a-service and institutional wallets for corporates and SMEs transacting in stablecoins. Build AUM and custody revenue through vaulting, staking, and transfer services.

What ChainUp Delivers for Institutional Stablecoin Strategy

ChainUp is the go-to infrastructure provider for regulated institutions seeking to build stablecoin-powered services. Trusted by 600+ global clients, ChainUp offers:

• White-label crypto exchange infrastructure (multi-chain, multi-token, fiat/stablecoin pairs)
  
• Stablecoin issuance functions with full compliance toolsets
  
• Custody-as-a-Service with MPC, key sharding, and SOC 2-level security
  
• Tokenization engine for asset-backed tokens (cash equivalents, bonds, deposits)
  
• Compliance-ready dashboards with user management, reporting, and approvals
  

All supported by 24/7 technical SLAs, regulatory playbooks, and deployment in less than 30 days.

The global financial infrastructure is evolving—from slow, closed networks to programmable, real-time rails. Stablecoins are at the center of that transformation.

For banks and financial institutions, the opportunity isn’t just technical—it’s commercial. The institutions that move early will:

• Lower payment costs
  
• Launch new digital revenue streams
  
• Serve token-native clients and partners
  
• Stay ahead of compliance shifts across the U.S., EU, and APAC
  

Ready to Launch or Expand Your Stablecoin Strategy?

ChainUp’s enterprise-ready white-label exchange, wallet, and digital asset ecosystem support  help regulated institutions deploy scalable, compliant, and revenue-generating infrastructure—without building from scratch.

Book a consultation or request a private demo today. Let our global team show you how to go from strategy to revenue—aligned with Basel III, AMLA, and FATF requirements.