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Bringing stablecoins, tokenized deposits, and digital assets to community and regional banks across North Carolina - no rip-and-replace required.
Today we're sharing some news we've been excited about for a while: Stablecore has been selected as the digital asset technology provider for the North Carolina Bankers Association (NCBA).
The NCBA is one of the largest state banking associations in the country, representing 80+ member institutions and more than 2,000 branches. Founded back in 1897, they've spent over a century supporting the banks that serve North Carolina's communities. So when an organization with that kind of footprint decides to back a digital asset platform, it says something, both about where banking is headed, and about what banks need to get there safely.
Why this matters
Retail and commercial customers are asking their banks for things that didn't exist five years ago: stablecoin payments, Bitcoin accounts, tokenized deposits, staking yield. And community and regional banks, the ones that have built decades of trust in their local markets, are under real pressure to figure out how to offer these products without (a) blowing up their tech stack, (b) running afoul of regulators, or (c) losing customers to fintechs and crypto-native platforms.
That's a hard problem. Digital assets aren't one thing, they're a tangle of custody, compliance, payment rails, on/off ramps, tokenization standards, and a dozen other moving parts. Stitching all that together into something a bank can actually offer (and a regulator can actually live with) is exactly the problem we built Stablecore to solve.
Here's how NCBA President Peter Gwaltney put it:
"As one of the largest U.S. state banking associations, we have a responsibility to our members to provide competitive solutions while maintaining the most robust, dependable service. In Stablecore, we found a partner to offer the highest levels of security, integration and regulatory alignment needed to offer our members with the innovative products that their customers are wanting."
What North Carolina banks can now offer
Through this partnership, NCBA member institutions get access to the full Stablecore stack — plugged into the digital banking, core banking, and compliance platforms they already run. That means they can light up new products without forklift-upgrading their infrastructure.
A quick tour of what's available:
Stablecoin accounts, payments, and acceptance. 24/7/365, instant, GENIUS-compliant stablecoin rails that sit alongside the payment options banks already offer.
Digital asset accounts with on/off ramps. Customers can hold assets like Bitcoin directly inside their existing digital banking experience — and move money in and out without leaving the bank.
Digital asset-collateralized lending. A new high-yield loan category, backed by digital assets.
Tokenized deposits and assets. Tokenize deposits, and support the growing universe of tokenized treasuries, loans, and securities.
Staking rewards. Let clients earn staking yield on eligible holdings like ETH and SOL.
The point isn't that every bank will offer every product on day one. The point is that the menu exists, and banks can pick what fits their customers, their risk appetite, and their compliance posture.
What our CEO had to say
From Alex Treece, Stablecore's CEO and co-founder:
"This partnership confirms the real and growing appetite among community banks, credit unions and other financial institutions for offering digital assets in a safe and compliant way. With the help of the North Carolina Bankers Association, we're delivering digital asset capabilities directly to customers without needing to reinvent existing technology stacks."
Banks shouldn't have to choose between innovating and operating safely. Our job is to make sure they don't have to.
The bigger picture
The NCBA partnership is part of a broader pattern we're seeing across regional banking. From global stablecoin payments and treasury management, to digital asset custody and exchange, to crypto-collateralized lending — banks are looking for ways to open new revenue streams, grow deposits, attract new customers, and hold onto account primacy in a market that's getting more competitive every quarter.
We're proud to be the platform helping them do it. And we're especially proud to be doing it alongside an organization like the NCBA, whose members have been the backbone of their communities for generations.
If you're a banker in North Carolina (or anywhere else), and you want to talk about what a digital asset offering could look like at your institution, get in touch.
About Stablecore
Stablecore is the digital asset core that lets banks and credit unions offer stablecoins, tokenized deposits, and other digital asset products — directly inside the digital banking, core banking, and compliance platforms they already use. We're backed by leaders in banking and digital assets, including Norwest, BankTech Ventures, Curql, EJF Ventures, and Bankers Helping Bankers Fund.
About the North Carolina Bankers Association
Organized in 1897, the NCBA is the professional trade organization for North Carolina's banking industry, providing advocacy, leadership, and support to its members. The Association has two subsidiaries — Centrant Community Capital and Community Bank Services — serving member institutions across affordable housing finance, insurance, and benefits. Learn more at ncbankers.org.