Coinbase Is Pushing to Bring Stablecoins to 1,000 Community Banks. Here's Why Everyone Is Talking About Stablecoins Right Now.

Key Points Coinbase and Moov will bring stablecoins to over 1,000 smaller banks and credit unions. That partnership indicates stablecoins can help smaller banks gain more customers. It could strengthen Coinbase’s case for stablecoins in the CLARITY Act. 10 stocks we like better than Coinbase Global › Coinbase (NASDAQ: COIN) , one of the world's largest cryptocurrency exchanges, recently partnered with Moov, a payments infrastructure provider, to bring stablecoin payments and settlements to more than 1,000 U.S. community banks and credit unions. By integrating Coinbase's digital asset infrastructure into Moov's payments platform, the two companies will enable those financial institutions to accept stablecoins without building their own blockchains. Let's see how this partnership could help Coinbase, why everyone is talking about stablecoins right now, and how the upcoming vote on the CLARITY Act could impact those plans. Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue » Image source: Getty Images. Why is Coinbase investing in stablecoins? Stablecoins are cryptocurrencies pegged to a stable fiat currency, such as the U.S. dollar or the euro, and can be held without a bank account. Their payments can be settled 24/7, enabling faster, cheaper money transfers than fiat currencies. They can be deposited in third-party lending platforms and liquidity pools to earn higher yields than traditional bank accounts. Stablecoins can also allow people in countries with hyperinflation to preserve their savings without buying the underlying fiat currencies. They can also be used to accelerate cross-border transfers by acting as a "bridge currency" between the two fiat currencies. Stablecoin issuers, such as Circle (NYSE: CRCL) , earn interest on the cash and Treasury reserves they hold at banks and other financial institutions to back their tokens. Circle co-developed its stablecoin, USD Coin (CRYPTO: USDC) , with Coinbase in 2018. As part of that partnership, Coinbase retains all reserve income from the USD Coins held on its platform. Coinbase now generates nearly a quarter of its revenue from those stablecoin reserves, and that steady growth partly offsets the volatility of its other cryptocurrency trading fees. The more stablecoins are minted and held, the more reserve income will flow to Coinbase's coffers. That's why Coinbase is keen to work with Moov to introduce stablecoins to more financial institutions. Why is everyone talking about stablecoins now? Cryptocurrency exchanges like Coinbase are embracing stablecoins, but traditional megabanks consider them a threat to their fiat-based savings accounts. That clash has prevented the CLARITY Act, which aims to establish a clear federal framework for regulating digital assets, from passing the Senate after it was approved by the House of Representatives last July. By partnering with Moov to reach thousands of smaller community banks and credit unions, Coinbase proves that not all financial institutions are rejecting stablecoins. Instead, these smaller players are more likely to adopt stablecoins to attract new customers. With the Senate scheduled to hold a key procedural vote on the CLARITY Act on Sept. 15, Coinbase, Circle, and other stablecoin supporters could highlight the Moov partnership and argue that stablecoins actually promote healthier competition within the banking industry. What's the best outcome for Coinbase? If the Senate passes the CLARITY Act with more lenient rules for stablecoin yields, allows the Commodity Futures Trading Commission (CFTC) to oversee cryptocurrencies instead of the Securities and Exchange Commission (SEC), and sets clearer rules for all tokenized assets, more institutional investors could ramp up their purchases of cryptocurrencies. That shift could end the current crypto winter, boost Coinbase's trading revenue, and drive its stock higher through the end of the year. It would also send a clear message to megabanks that stablecoins and other tokenized assets are here to stay -- and they could actually help smaller community banks and credit unions stay competitive in the crowded market. But if the CLARITY Act is delayed again, the largest banks continue to oppose stablecoins, and interest rates rise, that bullish thesis would collapse. So even though Coinbase's stock has declined nearly 50% over the past 12 months, investors should see what happens on Sept. 15 before assuming a new crypto summer will start and drive its stock higher. Should you buy stock in Coinbase Global right now? Before you buy stock in Coinbase Global, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and Coinbase Global wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years. Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $409,917 !* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,341,724 !* Now, it’s worth noting Stock Advisor’s total average return is 942 % — a market-crushing outperformance compared to 211% for the S&P 500. Don't miss the latest top 10 list, available with Stock Advisor , and join an investing community built by individual investors for individual investors. See the 10 stocks » *Stock Advisor returns as of September 11, 2026. Leo Sun has no position in any of the stocks mentioned. The Motley Fool recommends Coinbase Global. The Motley Fool has a disclosure policy .

Coinbase and Moov will bring stablecoins to over 1,000 smaller banks and credit unions.

That partnership indicates stablecoins can help smaller banks gain more customers.

It could strengthen Coinbase’s case for stablecoins in the CLARITY Act.

Coinbase (NASDAQ: COIN) , one of the world's largest cryptocurrency exchanges, recently partnered with Moov, a payments infrastructure provider, to bring stablecoin payments and settlements to more than 1,000 U.S. community banks and credit unions. By integrating Coinbase's digital asset infrastructure into Moov's payments platform, the two companies will enable those financial institutions to accept stablecoins without building their own blockchains.

Let's see how this partnership could help Coinbase, why everyone is talking about stablecoins right now, and how the upcoming vote on the CLARITY Act could impact those plans.

Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »

Stablecoins are cryptocurrencies pegged to a stable fiat currency, such as the U.S. dollar or the euro, and can be held without a bank account. Their payments can be settled 24/7, enabling faster, cheaper money transfers than fiat currencies. They can be deposited in third-party lending platforms and liquidity pools to earn higher yields than traditional bank accounts.