As stablecoins like USDC gain traction, banks and credit unions have a unique opportunity to offer them directly within their existing digital channels—without taking on the complexity of blockchain custody. Unlike crypto exchanges, financial institutions can provide a faster, more trusted, and seamless experience by embedding stablecoin capabilities into their mobile apps. With a regulated issuer like Circle managing the blockchain layer and a real-time internal ledger tracking customer balances, stablecoins can be offered with traditional banking simplicity. This model positions banks and credit unions to stay relevant, generate new revenue, and help consumers safely participate in the digital asset economy.