Future of Banking Built on Stablecoins: One Startup Getting it Right

DEBC & Stablecoins: The Future of Banking Is Here

Over the last decade, fintech platforms like Revolut and Wise made cross-border banking accessible to the masses. Yet despite progress in user experience, one core problem persists: the financial system was not built for global, digital-first users, let alone crypto-native ones.

Now, that system is cracking open.

Stablecoins, digital assets pegged to real-world currencies, have grown into a $250 billion market, processing 35M+ transactions monthly and becoming essential tools for payroll, remittances, and treasury management. And in 2025, the U.S. Senate voted 66–32 to advance the first federal stablecoin bill, a signal that crypto is no longer fringe, but part of monetary policy.

As regulatory clarity improves, the pressure is now on: how do we make stablecoins usable, compliant, and mainstream-ready?

The answer isn’t another speculative token, it’s infrastructure. And one company quietly building that foundation is Digital Era Bank. 

The real problem isn't stablecoins. It's everything around them.

Despite surging usage, the stablecoin economy still runs into bottlenecks:

• Legacy banks restrict or block crypto-related flows
  

• Businesses struggle to offer compliant on/off ramps
  

• Cross-border workers face delays, fees, and platform lock-ins
  

• Most platforms offer tools, but not infrastructure
  

In regions like LATAM, over 70% of companies already use stablecoins for operations but lack access to compliant rails that support both crypto and fiat. Meanwhile, 90% of global businesses are exploring stablecoin payments, not just for cost savings, but for faster settlement, transparency, and programmable finance.

And yet, no bank seems to be bridging that gap, at least, not one purpose-built for it.

Building the rails for the next era of money

Digital Era Bank, a fintech startup, is tackling this exact infrastructure problem by offering a hybrid model: licensed, fiat-compliant banking services with seamless crypto integration.

Its upcoming platform will enable users and businesses to:

• Open dedicated IBANs and manage fiat/crypto in one account
  

• Use self-custodial wallets with no lock-ins or hidden fees
  

• Send/receive money across SWIFT, SEPA, or blockchain rails - all seamlessly managed from a single unified account.
  

• Access stablecoin payout options for contractors and teams globally
  

Unlike most platforms that treat stablecoins as an add-on, DEBC builds around them, making it easier for people to pay, get paid, and stay compliant across jurisdictions. Whether you're a contractor in Argentina avoiding inflation or a U.S.-based DAO looking to issue global payroll, the platform is designed to work out of the box.

The company is also backed by Baer’s Crest, a licensed financial infrastructure provider specializing in compliance and payment solutions. This allows DEBC to scale faster into markets where regulatory approval is non-negotiable.

Their five-phase roadmap covers product rollout (multi-currency wallets, IBANs, AML tools), licensing across Europe and Asia, and future integrations with NFT marketplaces, microlending, and multi-chain compatibility (Ethereum, BSC, Solana).

The bigger shift is already underway

As the U.S. Treasury projects $2 trillion in stablecoin-driven demand for short-term bonds by 2026, it's clear that crypto-native rails are merging with traditional finance and fast.

But for that future to work, someone has to build the bridge. A system that’s fast, compliant, programmable, and most importantly, trusted.

Digital Era Bank isn’t promising to replace the banks. It’s just quietly building the one that crypto users and the next billion internet citizens actually need.

To follow DEBC’s progress as they build the next generation of compliant crypto banking, check out their latest updates below. 👇

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