InvestiFi's stablecoin platform offers account holders versatile options for managing digital assets securely and efficiently. Account holders can receive stablecoin payments from freelance work or peer-to-peer transfers, with the platform auto-converting these to USD in near-real time and depositing them into an interest-bearing savings account, allowing them to earn financial institution-set interest while avoiding crypto volatility. Risk-averse account holders can deposit stablecoins, which are auto-converted to USD and held in a pegged-value savings account, offering a stable, low-risk alternative with quick redemption options. Additionally, account holders can migrate stablecoins from external wallets, with the system converting them to USD upon deposit and integrating them into their existing banking core, streamlining financial management across checking or savings accounts.
- Digital Wallets
- Fintechs
- Infrastructure Providers
- Payments
- Asset Tokenization
- B2B Payments
- Borrowing and Lending
- Payment Settlement
- Trade Finance
- USDC
- Algorand
- Aptos
- Arbitrum
- Avalanche
- Base
- Yes
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- United States
Digital Investing from Checking for credit unions and community banks.
InvestiFi is the innovator behind Investing from Checking, a patent-pending funds flow that allows for trading to and from deposit accounts, empowering credit unions and community banks to provide their account holders with the ability to navigate the complexities of financial markets with ease from within their current online banking experience.
At the heart of InvestiFi's mission is the goal of democratizing investing and supporting community financial institutions, ensuring that wealth-building opportunities are accessible to everyone. InvestiFi’s seamless digital investing solution enables credit unions and community banks to retain more assets, attract new account holders, and deliver the innovative solutions their customers desire.
Use Cases
InvestiFi's stablecoin platform enables account holders to efficiently manage outbound transactions and redemptions. Account holders can initiate payments in a selected stablecoin via online or mobile banking, with the platform auto-converting USD from their account to the chosen stablecoin in near-real time and sending it to the recipient, making it ideal for cross-border remittances, online purchases, or payments in the expanding stablecoin economy (e.g., to Amazon or Walmart ecosystems if their coins are supported). Additionally, account holders with USD in a stablecoin-linked savings account can quickly redeem funds for crypto-based transactions, with the platform converting the USD back to their preferred stablecoin with minimal delay, leveraging the banking core for seamless processing.
InvestiFi's platform administration and expansion features empower banks and credit unions to adapt and grow effectively. Administrators can easily enable new stablecoins in the online/mobile banking interface as the stablecoin economy expands, allowing account holders to convert to/from these coins without platform downtime and attracting tech-savvy users with enhanced offerings. Additionally, the bank or credit union can set and adjust interest rates for the "Consumer's Stablecoin Savings Account" on its balance sheet, providing tailored incentives like higher rates to encourage deposits from risk-averse account holders while ensuring compliance with federal and state regulations.
InvestiFi's platform supports account holders of banks and credit unions in managing diverse crypto assets effectively. Account holders can transfer non-stablecoin assets, such as bitcoin or ethereum, to the bank or credit union's platform for safekeeping or management alongside their traditional accounts, with the crypto remaining unconverted upon deposit, reducing reliance on external exchanges or wallets. Additionally, account holders can consolidate their portfolio by transferring non-stablecoin crypto to the same bank or credit union as their checking account, minimizing fragmentation and enabling easier oversight of investments without forced conversions, while stablecoin features address any related USD needs.
InvestiFi's platform empowers account holders of banks and credit unions by catering to diverse financial needs. Account holders wary of market volatility can use the platform to hold stable, pegged-value assets via auto-converted stablecoins, offering interest earnings and quick USD redemption, serving as a bridge between traditional banking and crypto for conservative investors exploring digital assets. Additionally, as stablecoins become mainstream for e-commerce or payroll, account holders can leverage the platform to accept stablecoin inflows (auto-converted to USD savings) and make outflows (USD to stablecoin) within the familiar online/mobile banking app, streamlining financial workflows without requiring separate crypto tools.
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