Stablecoin rails give Interactive Brokers 24/7 funding edge with USDC, RLUSD, PYUSD

Interactive Brokers now lets eligible clients fund accounts 24/7 with USDC and, soon, RLUSD and PYUSD, using ZeroHash to convert stablecoins into USD within minutes and bypass slow, expensive bank wires.
Summary

• Interactive Brokers now supports instant USDC deposits, with RLUSD and PYUSD set to follow in the week of Jan. 19, 2026, for eligible clients.
• ZeroHash processes transfers on Ethereum, Solana, and Base, converting stablecoins to USD while charging a 0.30% fee, as IB waives deposit charges.
• The 24/7 stablecoin rails replace slow, pricey cross-border wires that take 1–3 business days and cost $25–$50, letting capital deploy almost instantly.

Interactive Brokers announced on January 15, 2026, the launch of round-the-clock account funding using stablecoins for eligible clients, according to a company statement.

The new feature enables near-instant deposits and provides access to more than 170 markets within minutes, including on weekends and holidays, the brokerage firm said.

The service initially supports deposits in USD Coin, with additional assets scheduled to follow. Support for RLUSD (RLUSD) and PayPal USD is expected during the week of January 19, 2026, according to the announcement.

Account funding is powered by ZeroHash, which processes transfers across the Ethereum (ETH), Solana (SOL), and Base (BASE) networks, the company stated. Once received, stablecoins are converted into U.S. dollars and credited to the client’s brokerage account.

Interactive Brokers does not charge deposit fees for the service, according to the statement. ZeroHash applies a 0.30% conversion fee, with a minimum charge of $1, to convert stablecoins into USD.

The move addresses funding delays and costs associated with traditional wire transfers for international investors. Cross-border wires typically take one to three business days to settle and can carry fees ranging from $25 to $50 per transaction, according to industry data.

The stablecoin-based process allows capital to be deployed almost immediately after transfer, regardless of banking hours, the company said.

“The goal is to deliver the speed and flexibility required in today’s markets,” CEO Milan Galik stated.

The rollout extends Interactive Brokers’ integration of digital asset infrastructure into its operations. Clients are not trading cryptocurrency directly through the feature; blockchain networks are being used to facilitate cash deposits into brokerage accounts, according to the company.

The new funding capability allows Interactive Brokers to operate on a 24/7 basis, matching the schedule of global markets its clients access, the firm said.