Unified Digital Finance
FV Bank Launches Unified Fintech Platform for Stablecoins, Payments, and Programmable Finance
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FV Bank, a regulated digital bank based in Puerto Rico, has launched what it calls a Unified Fintech Platform — a single system combining stablecoin payments, cross-border transfers, and programmable finance tools. The first product live on the platform is Stablecoin Invoicing, which lets businesses send itemized invoices and accept payment in USDC or PYUSD directly from their FV Bank dashboard, according to Business Wire.
CEO and co-founder Miles Paschini said the move is about tearing down walls between financial systems. "Banking, payments, and digital assets have evolved on separate rails for too long," Paschini said. "FV Bank is bringing those capabilities together through our regulated infrastructure." The company expects more platform products to roll out throughout 2026.
Stablecoin Invoicing Kicks Off a Bigger Platform Push
Stablecoin Invoicing is the first of several planned tools. Businesses log into their FV Bank dashboard, generate an itemized invoice, and get paid in USDC — the stablecoin issued by Circle — or PYUSD, PayPal's stablecoin. Settlement happens 24 hours a day, 7 days a week. That matters because traditional bank wires can take 2 to 5 business days and stop working on weekends and holidays, according to Montreal Gazette.
Coming products include unified payment collection, cross-border payment rails, and "agentic-ready" virtual cards — cards that AI systems can use to pay invoices automatically without human sign-off. Developer-facing APIs are also planned, letting outside companies build their own apps on top of FV Bank's regulated infrastructure, Edmonton Sun reported.
Puerto Rico License Gives FV Bank a Regulatory Edge
FV Bank holds an International Financial Entity (IFE) license from Puerto Rico's Office of the Commissioner of Financial Institutions. That license, granted under Puerto Rico's Act 273, lets the bank serve clients globally while operating inside the US legal framework. It is the same structure that has allowed FV Bank to move faster on digital assets than most mainland US banks, according to Crowdfund Insider.
The bank has raised about $13 million in total funding, including an $8 million Series A in 2021. It employs around 50 people in San Juan. In March 2025, it added full SWIFT integration, supporting payments in 45-plus currencies. One important caveat: FV Bank is not FDIC-insured, a point traditional competitors use to distinguish themselves from smaller digital banks.
AI Agents and the Push for Programmable Commerce
The "agentic-ready" label on FV Bank's virtual cards points to a bigger shift. As AI systems start conducting commerce on their own — ordering supplies, paying contractors, managing budgets — they need bank accounts they can plug into directly. Chief Revenue Officer Nitin Agarwal said FV Bank is "uniquely positioned to provide clients with a platform that combines speed, flexibility, and regulatory oversight," according to Crowdfund Insider.
Analysts see the inclusion of PYUSD as a signal that mainstream e-commerce players are edging toward stablecoin infrastructure. The launch comes as the global crypto market cap sits above $2.36 trillion and roughly 700 million people worldwide hold digital assets, according to The Whig. Small businesses and freelancers in emerging markets are seen as the biggest near-term beneficiaries, since they often face high fees and multi-day waits for cross-border payments.
Critics Flag Risks That Regulated Crypto Banks Still Carry
Not everyone is cheering. Traditional banks point out that FV Bank's smaller balance sheet and lack of FDIC insurance make it riskier for cautious institutional clients. Some in the crypto-native community go the other way, arguing that putting stablecoins inside a regulated bank gives that bank the power to freeze funds or block transactions — the opposite of "permissionless" finance, according to Pincher Creek Echo.
FV Bank counters with its compliance credentials: SOC 2 Type 2 and ISO certifications, plus US-aligned anti-money-laundering controls. The bank frames its regulated status as a feature, not a limitation — especially for enterprises that cannot touch unregulated decentralized finance platforms. Further announcements on the platform's developer SDKs and cross-border stablecoin rails are expected later in 2026.
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