Column N.A. launches bank-native USDC and USDT rails

Column N.A. launched bank-native rails for USDC and USDT on Sept. 16, 2026 that place stablecoin addresses and bank accounts on a single ledger. The system allows operators to convert between on-chain stablecoins and U.S. dollars at any time without maintaining a separate prefunded orchestrator balance. The new rails connect crypto transfers, traditional payment rails and card issuing to Column’s banking core.

Under the same-ledger design, incoming stablecoins are represented instantly as U.S. dollars on the linked bank account, and outgoing crypto debits the same account and settles on chain. Column’s public developer examples use Solana as the default network for crypto sends while also supporting Ethereum and other major chains for on-ramps, wallets, off-ramps, pay-ins and payouts. Column states that key management, liquidity and compliance functions remain behind its APIs so operators do not directly handle private keys.

The product ties the stablecoin balance on a Column bank account to fiat rails including ACH, FedWire, RTP, FedNow, SWIFT and checks, and to card programs. Column published API patterns showing a crypto transfer endpoint that accepts bank_account_id, currency_code (USDC or USDT), network (Solana in examples) and destination_address, and returns a crypto_transfer object with status updates and a transaction_hash. Column also documents realtime payout calls on the same bank_account_id and card creation endpoints that link virtual cards to the same account for authorizations and settlement. Webhooks provide transfer status updates.

Column describes the operational effect as removing the prefunding float in legacy orchestrator architectures. A stablecoin received on a weekend can be converted and routed over realtime rails the same second instead of waiting for a wire window to top up a prefunded stablecoin wallet. The bank highlights use cases such as instant payouts, cross-rail forwarding between crypto and SWIFT, and card spend authorized against the live bank balance.

The offering is aimed at fintechs, treasury and payments operators that already run Column bank accounts and have KYC/KYB in place. Firms must be able to create ACH, book, wire or realtime transfers on a funded bank_account_id before enabling crypto transfers, because stablecoins plug into existing banking primitives. Column named builders that helped scale the product, including Brex and Slash, and said the rails are operating at large volumes without publishing precise totals.

Column warns that USDC and USDT balances are not FDIC-insured deposits even though Column is an FDIC-member bank for eligible dollar deposits. The bank also notes that crypto custody and on-chain settlement risk remain part of the model. Column and partners position the offering as a bank API for operators rather than a consumer self-custody wallet.

Henrique Dubugras, co-founder and co-CEO of Brex, described the launch as offering “the speed, flexible account model and API-first approach that no one else can.” Column recommends mapping bank_account_id, subscribing to webhooks and testing an initial Solana crypto transfer in sandbox before moving to production and treating payouts as final.