Over the last decade, fintech has significantly simplified cross-border banking services. However, a key barrier remains: the infrastructure that is not adapted to the needs of digital users.
Current State of the Stablecoin Market
Stablecoins, digital assets pegged to real currencies, have grown into a $250 billion market, processing over 35 million transactions monthly. They are becoming essential tools for payments, remittances, and treasury management. In 2025, the U.S. Senate voted 66–32 to advance the first federal stablecoin bill, confirming that cryptocurrency is becoming part of monetary policy.
Challenges of the Traditional Financial Sector
Despite the growing use of stablecoins, serious issues remain:
* Traditional banks restrict or block cryptocurrency flows. * Businesses struggle to offer compliant on/off-ramps. * Cross-border workers face delays and fees. * Most platforms provide only tools, not complete infrastructure.
In regions like LATAM, over 70% of companies already use stablecoins but lack access to reliable infrastructure that supports both crypto and fiat.
The Role of Digital Era Bank in Building New Infrastructure
Digital Era Bank, a fintech startup based in Canada, addresses this challenge by offering a hybrid model: licensed banking services with crypto integration. Their platform will enable users and businesses to:
* Open dedicated IBANs and manage fiat and crypto in one account. * Use self-custodial wallets with no hidden fees. * Send and receive money across SWIFT, SEPA, or blockchain.
The platform is designed to simplify interactions with stablecoins, ensuring compliance with the requirements of different jurisdictions.
As a key part of the market, stablecoins require the creation of reliable and compliant infrastructure. Digital Era Bank aims to address these challenges by ensuring the integration of traditional and digital financial systems.
