Community and regional banks across the United States can now access tokenized deposits and stablecoins through Custodia Bank’s blockchain platform, integrated with Infinant’s Interlace system.
The initiative, developed in partnership with Vantage Bank, introduces a turnkey framework that merges tokenized deposits and stablecoins directly into traditional online banking systems.
Unlike existing stablecoin models that operate on fragmented networks, the Custodia–Vantage solution delivers interoperability through a single digital token functioning as both a tokenized deposit and a stablecoin.
This innovation allows banks and credit unions to provide next-generation financial products while maintaining deposit stability and regulatory oversight.
Custodia’s patent-protected framework, under development since 2020, gives consortium member institutions access to its premier portfolio of protocols for tokenizing U.S. dollars on blockchain networks.
Participating banks retain control of their wallets while gaining interoperability with other member institutions. Tokens issued through the system can transition between regulatory categories, deposit, and stablecoin, while preserving transparency and compliance at every step.
Practical use cases have already been tested, including instant cross-border payments, milestone-based construction disbursements, supply chain settlements, and flexible payroll options.
These pilots highlight the system’s potential to enhance efficiency, security, and speed across multiple sectors.
Custodia and Vantage Bank first issued tokenized bank deposits in March 2025, following two years of regulatory and technical preparation.
Custodia’s status as a “permitted payment stablecoin issuer” under the GENIUS Act gives consortium members a head start in adopting compliant tokenization solutions.
The platform addresses a key concern in digital finance, the “singleness of money,”by linking tokenized deposits and the Avit stablecoin under a shared smart contract, creating a unified and compliant monetary ecosystem.
Emphasizing open access and interoperability, Vantage and Custodia aim to empower community and regional banks to embrace digital innovation without sacrificing compliance or customer trust, signaling a new era of secure, interoperable, and future-ready banking in the United States.