U.S. Bank has launched a new pilot to test a custom stablecoin on the Stellar network. The move marks a clear step by a major American bank toward using blockchain for everyday financial services.
The project is being developed with support from the Stellar Development Foundation and PwC. The U.S. Bank team says the goal is simple. They want to see how a stablecoin could help people move money faster, with more control and lower costs.
Today, bank transfers can take hours or days. With the Stellar network, transfers settle in a few seconds and cost a tiny fraction of a cent.
U.S. Bank leaders say they chose Stellar because it has tools that banks consider important. These include the ability to freeze assets, reverse a transaction, or unwind a mistake. These features help banks follow rules like “know your customer,” protect users, and fix errors when needed.
.@usbank is testing custom stablecoin issuance on the Stellar network.
Real infrastructure testing for regulated deposit tokens — the kind that could reshape how banks move money.
Here’s what’s happening.https://t.co/C7sqTIDJZF pic.twitter.com/ZFXC5Q1a49
— Stellar (@StellarOrg) November 25, 2025
Stellar has also kept its network online with 99.99 percent uptime over the past decade. It processes billions of dollars in payments each year and was built to support asset issuance from day one. This made the blockchain a practical place for a bank to test a programmable form of money.
Why a Stablecoin Pilot Matters
The pilot reflects a bigger trend in the financial world. More banks are exploring tokenized money. A stablecoin from a regulated bank could allow instant cross-border payments, quicker settlement between businesses, and more efficient internal transfers.
Leaders at the Stellar Development Foundation say the project shows that traditional institutions are starting to adopt public blockchain networks for real work, not just experiments. PwC is helping shape the design and oversight of the pilot.
What Comes Next
The U.S. Bank stablecoin pilot is still in its early stage. No launch timeline has been shared. For now, the test helps the bank study how blockchain can fit into regulated services.
The move signals a growing shift. As banks explore blockchain tools, companies and consumers may soon see faster and cheaper ways to move money. The U.S. Bank pilot on the Stellar network is one sign that this next phase is already underway.
PYUSD is coming to @StellarOrg, reaching a broader group of developers and unlocking new opportunities for the stablecoin. More blockchains, greater access – and we’re not stopping now. pic.twitter.com/DDfpb9JBzM
— Alex Chriss (@acce) June 11, 2025
This is also a boost for Stellar. The company already has partnerships with the likes of PayPal. Could this be what pushes XLM further?
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