Highnote, a card issuance and embedded finance platform, has partnered with BVNK to enable real-time, 24/7 funding for card programmes using stablecoins. This collaboration allows global fintechs and enterprises to instantly fund U.S.-based programme accounts in USD, sidestepping the constraints of traditional U.S. banking hours.
Through this integration, Highnote subscribers can transfer funds using stablecoins like USDC, which are automatically converted to U.S. dollars and deposited into sponsor bank accounts in real-time. The feature addresses a long-standing pain point for fintech companies operating internationally, particularly those building real-time financial services for users in different time zones.
John Macilwaine, CEO of Highnote, emphasized the significance of the move: “Our subscribers are building real-time financial products for a global user base, and until now, they have had to operate within the limits of U.S. banking hours. This new capability eliminates that barrier, giving them true around-the-clock control over how and when to move money.â€
BVNK’s U.S. General Manager Keith Vander Leest highlighted the broader impact of the initiative, stating: “This partnership is a prime example of how stablecoins can free up liquidity locked in complex payment flows that rely on traditional bank payment rails.â€
As the demand for instant, borderless financial services grows, partnerships like this underscore the role of stablecoins in modernizing payments infrastructure. By removing operational bottlenecks and offering around-the-clock liquidity, Highnote and BVNK are helping fintechs move faster, more securely, and more globally than ever before.