In a significant move, Zelle plans to enable international money transfers using stablecoins. Stablecoins are a type of cryptocurrency pegged to the value of traditional currencies like the U.S. dollar. This initiative aims to simplify and expedite cross-border payments using stablecoins, offering a more efficient alternative to traditional methods.
Zelle’s Strategic Shift to Global Payments
Operated by Early Warning Services (EWS), a consortium of major U.S. banks including JPMorgan Chase, Wells Fargo, and Bank of America, Zelle has traditionally focused on domestic transactions. However, recognizing the growing demand for faster and more cost-effective international transfers, Zelle is now integrating stablecoins into its platform. Stablecoins, such as Tether (USDT) and USD Coin (USDC), are digital currencies designed to maintain a stable value by being pegged to fiat currencies. This stability makes them ideal for cross-border transactions, reducing the volatility often associated with other cryptocurrencies.
Zelle, the bank-owned money transfer app used by more than 100M U.S. customers for instant domestic payments, says it plans to enable INTERNATIONAL transfers using stablecoins.
The service will be available to any bank in the Zelle network pic.twitter.com/IuLWmi5om7
— Wall St Engine (@wallstengine) October 25, 2025
According to WSJ, the integration of stablecoins into Zelle’s network is expected to enhance the speed and reliability of international money transfers. By leveraging blockchain technology, Zelle aims to offer a more efficient alternative to traditional wire transfers, which can be slow and costly. This move aligns with a broader trend in the financial industry, where traditional institutions are increasingly adopting blockchain solutions to improve payment systems.
More About Stablecoin Adoption
Lately, the SEC can’t stop talking about stablecoins. Mentions of these digital dollars in SEC filings have jumped fivefold since 2023. This shows that it’s not just regulators taking notice. Major players like Visa, Citi, and PayPal are now weaving stablecoins into their long-term payments strategies, signaling real commitment rather than hype.
The SEC can’t stop talking about stablecoins lately.
Mentions of them in SEC filings have surged 5x since 2023 and it’s not just regulators paying attention.
Visa, Citi, PayPal – all are now building stablecoins into their long-term payments strategy.
This isn’t hype.
This is… pic.twitter.com/IL9fQtkjJ0— Mr Domino (@mrdomino100x) October 26, 2025
This surge in attention and adoption reflects what mainstream acceptance of stablecoins actually looks like. It moves beyond speculation into practical, everyday financial use.