Global payment infrastructure is being reshaped as the MoonPay stablecoin stack promises a more streamlined route for businesses entering digital asset payments.
From fragmented banking rails to one MoonPay integration
Building cross-border payment systems has traditionally required multiple banks, several payment service providers, and lengthy integration cycles. However, a voice closely tied to the MoonPay ecosystem, known as Moony, argues that this landscape is finally changing.
With the launch of the MoonPay Stablecoin Stack, processes that once relied on eight separate banks, multiple PSPs, and roughly a year of development can now be handled through a single integration with Iron. This significantly lowers both time-to-market and operational complexity for fintechs and enterprises.
The stack bundles core banking access, regulatory licensing, and blockchain settlement into one unified setup. Moreover, partners can open named virtual accounts in US dollars, euros, and British pounds, while connecting directly to tier one banks with built-in redundancy.
Funds can be settled automatically into stablecoins, preserving exposure to digital assets while operating inside regulated frameworks such as CASP, US money transmitter licenses, and the New York BitLicense. That said, the solution still relies on careful compliance integration in each supported jurisdiction.
How the Stablecoin Stack works
At its core, the platform acts as a bridge between traditional money rails and blockchain networks. Businesses can receive payments over familiar methods like ACH in the United States, SEPA in Europe, and Faster Payments in the United Kingdom, then convert those incoming funds into digital stable tokens.
These stablecoins are designed to mirror fiat value, typically one to one with major currencies such as the dollar or euro. Moreover, this approach gives payment firms and platforms access to 24/7 settlement while still denominating balances in traditional units their customers understand.
The platform supports global payouts in more than 30 currencies and operates across major blockchain networks. In addition, developer dashboards and analytics tools help product teams monitor payment flows in real time and optimize liquidity management.
A dedicated cross chain deposit api lets companies accept both stablecoins and other crypto assets through a single endpoint. This reduces the need for separate integrations across multiple chains and simplifies reconciliation for finance and operations teams.
What MoonPay is promising to replace
MoonPay summarizes its value proposition with a stark comparison. What previously took 8 banks, 3 PSPs, 12 months, and, as they put it, “an entire seed round” of funding can now be achieved with one technical connection to Iron.
Within that one setup, partners gain access to USD, EUR, and GBP named virtual accounts, plus tier one banking partners and redundancy. However, MoonPay is also positioning this stack as deep infrastructure rather than a surface-level API wrapper.
The company highlights that the same configuration can power both consumer-focused applications and back-office settlement flows for institutions. In this way, the full moonpay stablecoin stack is pitched as a modular layer that can be embedded into a wide range of products, from wallets to fintech apps.
Real-world fintech use case: freelancers in emerging markets
A hypothetical example illustrates the impact for early-stage firms. Consider a fintech startup offering payouts to freelancers across Latin America and Asia. Historically, that company would need local bank relationships, custom compliance workflows, and months of technical testing.
Using MoonPay’s infrastructure, the same startup could accept client payments in euros, settle those balances into stablecoins via the automated stack, and distribute local payouts in a matter of days. Moreover, this would avoid multiple onboarding cycles with regional banks and intermediaries.
That said, the model still depends on local partners or payout rails at the end point, especially in tightly regulated markets. Nevertheless, the promise of faster settlement plus fewer integration layers is likely to appeal to global gig platforms and marketplace providers.
Expansion through Avici and self-custodial control
MoonPay has also announced progress on real implementations. The company revealed that Avici now offers named virtual accounts in both the United States and Europe, powered by MoonPay and Iron technology.
According to the announcement, users can claim their own account directly inside the Avici app. They can then fund it quickly using SEPA Instant, ACH transfers, traditional wire payments, or direct deposit, mirroring the experience of conventional online banking platforms.
This structure allows customers to maintain full self-custodial control over their funds. Moreover, it blends the convenience of traditional finance with the flexibility and security benefits associated with blockchain-based asset management.
MoonPay emphasizes that the arrangement is already live, signaling a shift from concept to production services. However, the long-term success of this model will depend on user adoption, regulatory clarity, and the reliability of the underlying banking partners.
Towards a new layer of stablecoin payments infrastructure
By merging banking connectivity, compliance licensing, and on-chain settlement, MoonPay is aiming to build a foundational layer for stablecoin-focused payments. The stablecoin payments infrastructure pitch targets both emerging fintech players and established institutions seeking faster, programmable money movement.
Moreover, the combination of virtual accounts, multi-currency support, and automatic conversion into stable tokens positions the stack as a potential backbone for cross-border platforms. If adoption grows, this type of hybrid service could become a common way to move value between traditional bank accounts and blockchain networks.
In summary, MoonPay’s latest release consolidates disparate banking relationships, compliance regimes, and crypto settlement tools into one integrated framework. That said, as with any new infrastructure, long-term traction will hinge on proven reliability, regulatory acceptance, and the broader market’s appetite for stablecoin-based solutions.
Source: https://en.cryptonomist.ch/2026/01/12/moonpay-stablecoin-stack/
