Interactive Brokers announced plans in June 2025 to enable 24/7 account funding using the USDC stablecoin, marking a step toward continuous deposit capabilities at a major brokerage. The service relies on stablecoin infrastructure from ZeroHash and is set to expand support to Ripple’s RLUSD and PayPal’s PYUSD in the near term. For clients this means the brokerage will accept stablecoin-based deposits outside traditional banking hours, using audited and regulated components of the crypto ecosystem.
Interactive Brokers Introduces 24/7 USDC Funding
The new funding option lets clients move USDC into brokerage accounts at any time, removing dependence on bank opening hours and settlement windows. Interactive Brokers will convert incoming USDC through the announced infrastructure so deposits can be reflected in client accounts more quickly than with traditional fiat rails. The brokerage’s plan to add RLUSD and PYUSD shortly after launch broadens the range of regulated stablecoins available to users.
Technology and Regulatory Framework
Interactive Brokers partners with ZeroHash for the technical and compliance backbone of the service, outsourcing custody, settlement, and related operational elements. ZeroHash holds money transmitter licenses across multiple U.S. states, providing a regulatory foundation for handling fiat-stablecoin flows. USDC itself maintains full dollar reserves and those reserves are audited monthly by Grant Thornton, a transparency measure highlighted in the announcement.
Market Context and Competitive Advantage
The move brings continuous stablecoin funding to a large traditional brokerage and may influence how other financial firms approach deposit windows and digital asset integrations. Interactive Brokers manages over $400 billion in client assets, so introducing round-the-clock stablecoin deposits makes this capability available to a substantial client base. For some international users this reduces friction when moving capital across time zones and asset classes.
Impact on Traditional Finance and Cryptocurrency Adoption
By combining established brokerage infrastructure with regulated stablecoins, Interactive Brokers bridges conventional client services and cryptocurrency rails without building all components in-house. This approach relies on specialized partners to provide compliant onramps, which can speed deployment while keeping oversight in place. The choice of audited stablecoins and licensed intermediaries aims to address regulatory and transparency concerns that often arise with digital-asset features.
Future Developments and Expansion Plans
The brokerage indicated this is an initial phase and may broaden the set of supported cryptocurrencies based on client needs and regulatory clarity. Potential enhancements mentioned include additional stablecoins and expanded withdrawal or settlement options, implemented cautiously in line with oversight frameworks. Observers will watch how the offering evolves and whether competitors follow with similar 24/7 funding services.
Why this matters (short for a miner in Russia, 1–1000 devices)
For miners who convert mined coins to fiat or want quick access to brokerage services, 24/7 USDC funding shortens the time needed to move value into a brokerage account, including outside bank hours. This can help when you need faster capital transfers for trading, hedging, or reinvestment, without waiting for weekday banking windows. The use of regulated infrastructure and audited reserves reduces some counterparty concerns compared with less-transparent options.
What to do? (practical checklist for a miner in Russia)
- Confirm account eligibility and supported stablecoins with your Interactive Brokers account before sending funds, and follow the brokerage’s deposit instructions exactly.
- Use audited, regulated stablecoins like USDC for deposits if you value transparency; check how the brokerage handles conversion and settlement timing.
- Keep transaction records and receipts for accounting and tax purposes, and be mindful of any blockchain fees when planning transfers.
For additional background on related industry moves and stablecoin integrations, see reporting on stablecoin support for deposits and partnerships such as Intuit and Circle or Circle expands USDC that illustrate how USDC is being integrated into traditional products.
