U.S. Bank conducted a real‑world payment pilot between major financial institutions in the United States and Europe using its own digital currency, “USBDC.” The test aims to verify that actual transactions can be carried out by linking not only token transfer functions on public blockchain but also the bank’s internal financial and risk management systems with regulatory compliance.
The pilot used U.S. Bank’s own digital asset platform and the network provided by Stellar Development Group. The platform performs token issuance, redemption, settlement, and closure functions in one go, and also supports transaction limitation and recovery procedures. Both institutions transferred amounts using USBDC tokens and recorded hashes on blockchain to confirm that transactions were conducted transparently.
The core of this experiment is to test whether both internal bank controls and public infrastructure can be used simultaneously, rather than just expanding the issuance scale. Through the pilot, U.S. Bank demonstrated that stablecoin's utility extends beyond simple payments and can be tailored for internal fund management and operations.
The results of the pilot showed that even without involving external customers, the banks observed effects on liquidity management and capital movement through real transactions. However, specific product launch dates or external service plans have not yet been announced. In future, U.S. Bank will proceed with further public disclosure after verification and continue to explore whether a stablecoin‑based payment system can be used in practice.