Highnote, a California-based platform for embedded finance and modern card issuance, has announced a new partnership with BVNK, a New York-based stablecoin infrastructure provider for financial services.

The collaboration enables real-time, round-the-clock stablecoin-based funding for card programmes, allowing Highnote’s clients worldwide to instantly fund US-based accounts in USD, regardless of banking hours.

Through this integration, programme funds can be transferred using stablecoins, automatically converted into US dollars, and deposited directly into sponsor bank accounts in real time, including on evenings, weekends, and public holidays.

This development aims to streamline a key operational process for fintech firms and global enterprises operating across multiple time zones.

“Our subscribers are building real-time financial products for a global user base, and until now, they have had to operate within the limits of US banking hours,”

said John Macilwaine, CEO at Highnote.

“This new capability eliminates that barrier, giving them true around the clock control over how and when to move money. More importantly, this is a foundational step that opens the door to deeper integration of digital assets across the Highnote platform, from inbound funding through acquiring to outbound disbursements via issuance, and beyond.”

The new functionality is designed to support time-sensitive disbursement needs such as supplier payments in accounts payable automation, instant reimbursements in expense management, real-time marketplace settlements, and funding flows for fleet and credit programmes.

“This partnership is a prime example of how stablecoins can free up liquidity locked in complex payment flows that rely on traditional bank payment rails,”

said Keith Vander Leest, US General Manager at BVNK.

“Our stablecoin-native infrastructure enables instant global value transfer, powering a new generation of financial services that innovators like Highnote are building today.”

According to both companies, this initiative lays the foundation for future use of digital assets on the Highnote platform, with stablecoins expected to contribute to more efficient payment flows, lower costs, and the potential for programmable money across a range of financial services.

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