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Stablecoins

Bank native stablecoins

USDC and USDT, completely interoperable with the US dollar and every payment rail — instant, 24/7, and built natively into Column. No middlemen.

Read the blog post Documentation

Truly instant, 24/7/365

Other stablecoin orchestrators wrap legacy banks — so your “instant” transfers still wait on wire windows and prefunded balances. At Column, stablecoins are built directly into our own custom core. 9:00 PM on a Saturday functions no different than 9:00 AM on a Tuesday.

Your stablecoin address and bank account exist on the same ledger — no middlemen, no prefunding, no liquidity to manage. Incoming stablecoins land as USD instantly; outgoing transfers debit the account and settle on chain the next second.

Send USDC — any hour, any day

curl 'https://api.column.com/transfers/crypto' \
    -u :live_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d bank_account_id=bacc_2d1USDwineOperating \
    -d amount=250000 \
    -d currency_code=USDC \
    -d network=solana \
    -d destination_address="9xQeWvG8...VFin"

USDC and USDT across Solana, Ethereum, and other major chains — on-ramps, wallets, off-ramps, pay-ins, and payouts.

Key management, liquidity, and compliance are abstracted away. You never touch a private key.

Works with everything
else at Column

Stablecoins aren't a standalone product at Column — they plug into ACH, Fedwire, RTP, FedNow, Swift, and even checks. Receive USDC at 9:00 PM on a Saturday and pay it out over a real-time rail the next second.

Stablecoin wallet
Column
Bank accountCrypto address

The crypto transfer object

{
  "id": "crtr_2d7UsdcPayout",
  "object": "crypto_transfer",
  "bank_account_id": "bacc_2d1USDwineOperating",
  "amount": 500000,
  "currency_code": "USDC",
  "network": "solana",
  "destination_address": "9xQeWvG8...VFin",
  "transaction_hash": "5UfDuX71...9rWq",
  "status": "submitted"
}

Status runs submitted → completed on chain confirmation, with a webhook at each step.

Pay out the same funds in real time

curl 'https://api.column.com/transfers/realtime' \
    -u :live_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d bank_account_id=bacc_2d1USDwineOperating \
    -d counterparty_id=cpty_4mNapaGrowerCoop \
    -d type=fednow \
    -d amount=250000 \
    -d currency_code=USD

Receive USDC at 9:00 PM on a Saturday and pay it out the next second — no Monday wire window.

Spend stablecoins on a Column card

curl 'https://api.column.com/cards' \
    -u :live_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d entity_id=enti_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d bank_account_id=bacc_2d1USDwineOperating \
    -d type=VIRTUAL \
    -d cardholder_name="Wei Lin Tan"

Authorize card spend against stablecoins the moment they land — real balance, no prefunded float. Settle Visa and Mastercard in stablecoins, 24/7.

We know the ecosystem very well and Column provides the speed, flexible account model and API-first approach that no one else can. These aspects are essential to building certain products that power our customers’ growth.
Henrique DubugrasCo-Founder and Co-CEO, Brex

Infrastructure products built for
developers in the lightest format possible

ACH

Originate ACH credits and debits with a single API request. Utilize all five settlement windows, configure every NACHA option and control every step.

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Wire

Transfer funds immediately to any bank account through FedWire via API. Receive domestic and international wires with instant updates and all the raw data.

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Book Transfers

When you own both accounts at Column, transfers are real-time every second of the day.

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Ledger

Ledger each transaction automatically onto our system of record. Complete visibility and full banking functionality with the ease of an API.

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Bank Accounts

Spin up programmable and scalable FDIC insured bank accounts for your customers in one API call. All from our robust, easy to use developer platform.

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Card Programs

Build a customized card program that fits your stage. With a dedicated BIN and the choice of issuing processors, you maintain control.

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Checks

Take full control of the end to end check flows. From RDC to checkbooks to positive-pay, we allow you to build your optimal check flow and own the entire process.

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Realtime

New real-time payment rails from The Clearing House and Federal Reserve. Instant, transparent, and available 24/7/365.

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International Wires

Direct access to Swift and international routing. Send money to over 180 countries in a single API call — with full transparency.

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Stablecoins

Send, receive, and hold stablecoins just like any other payment rail. Fully interoperable with the dollar and every US payment rail — instant, 24/7.

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Card Issuing

Launch credit and debit programs on Visa and Mastercard with Column as the issuing bank, the issuer processor, and the capital. No third parties, no middleware.

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Global Banking

Issue US accounts and cards to people and businesses anywhere in the world — regardless of citizenship or location.

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Multicurrency

Receive, hold, and send euros, pounds, Canadian dollars, and more. Instant FX and local payment rails — on the same Column APIs you already use.

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Lending products for companies to scale lending programs faster and cheaper

Loan Origination

Build a modern national lending program in partnership with Column.

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Debt Financing

Grow your lending program more efficiently with Column capital, whether you are at scale or on your way.

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Loan Purchase

Programmatically sell the loans you originate to Column.

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