Interactive Brokers has launched stablecoin deposits for brokerage accounts, allowing clients to fund their accounts directly from crypto wallets. The feature is currently available to U.S. customers first and has not yet been opened to Taiwan. The broker said availability will expand to more countries and user groups over time.
Zero Hash handles USDC deposits and charges 0.3%
Under the setup described by IBKR, clients send USDC and the firm���s service partner Zero Hash conducts compliance checks before converting the funds into U.S. dollars and crediting the brokerage account. The process comes with more than on-chain gas fees: Zero Hash will also collect a 0.3% service fee, with a $1 minimum.
That pricing changes the calculation for larger transfers. A 0.3% fee can exceed the roughly $30 to $50 often associated with a traditional wire transfer. Speed is the tradeoff. For clients who need to post margin outside regular trading hours or open positions without waiting for a standard T+2 funding cycle, stablecoin deposits can still offer a practical advantage.
PYUSD and RLUSD are scheduled for next week
IBKR is also planning to expand beyond USDC by adding two more stablecoin funding options next week: PayPal-issued PYUSD and Ripple’s RLUSD. The change would give users more flexibility in choosing which regulated dollar-pegged asset to move on-chain before funding a securities account.
According to the cited analysis, compliant stablecoins are increasingly being treated on Wall Street as a standard settlement tool. For brokers, instant on-chain settlement under KYC and AML controls can reduce delays tied to legacy funding rails. For customers, the decision is likely to come down to a simple comparison between cost and settlement speed.