Zelle p2p payment processor to allow global crypto stablecoin payments

staff writer • November 2, 2025

In a move that could reshape the $800 billion remittance market, Zelle, America's dominant peer-to-peer payments app, has signaled its intent to go international.


On October 24, 2025, announced an initiative to extend the network's "trust, speed, and convenience" beyond U.S. borders using stablecoins. This isn't a full rollout yet, but the groundwork leverages Zelle's massive domestic footprint and newfound regulatory tailwinds. Here's the data-driven breakdown of what's confirmed, what's implied, and what's next...


The $1 Trillion Domestic Powerhouse Zelle Stepping in to Stable Coins


Zelle isn't starting from scratch. The network, owned by seven major banks including Bank of America, JPMorgan Chase, and Wells Fargo, already processes staggering volumes entirely within the U.S.


Key 2024 Zelle metrics:

  • $1 trillion in total payments processed—a 27% year-over-year increase.
  • 3.6 billion transactions, up 25%.
  • 151 million unique enrolled users, encompassing consumers and small businesses.


Market dominance is clear; It handles roughly twice Venmo's daily transactions and maintains a 99.95% fraud-free rate.


This scale—reaching 80% of U.S. checking accounts via 2,300+ financial institutions—provides the launchpad for global ambitions.


Stablecoins as the Bridge To Zelle


EWS's press release frames the expansion as an evolution: "Faster and more reliable cross-border money movement" powered by USD-pegged stablecoins. CEO Cameron Fowler emphasized extending domestic perks internationally, with the service open to all Zelle Network participants on equal footing.


Full announcement here via PR Newswire; echoed in Payments Dive coverage.

Stablecoins enable instant, 24/7 settlement at fractions of traditional costs, sidestepping correspondent banking's multi-day delays and high fees.


Timing aligns with the GENIUS Act, signed into law by President Trump in July 2025. This landmark bill establishes the U.S.'s first federal stablecoin regime:

  • 100% reserves in cash or T-bills.
  • Monthly audits and full BSA/AML compliance.
  • Oversight by Fed, OCC, or state regulators—no SEC/CFTC for compliant issuers.
  • Foreign coins only from comparable jurisdictions.


Post-enactment, stablecoin supply jumped 20%, signaling confidence. EWS explicitly credits this "improved clarity" for accelerating their push.


Timeline and Mechanics for Zelle Stable COin Mechanics


Details remain sparse:

Rollout date: No firm timeline, expect "weeks to months" for pilots.

Stablecoin specifics: Will EWS issue its own, or partner ?

Fees: Domestic Zelle is free; international likely low but unspecified.


Industry watchers note consortium challenges, citing past efforts like Fnality's delays. Stay Tuned to the Objective Wire for more.

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