We support community and regional banks with the technology ecosystem and support they need to thrive today and in the future.
We help credit unions serve members at their moments of need and on the channel of their choice as their financial lives evolve.
We deliver the insight and technology ecosystem that new banks need – from meeting initial business goals to achieving long-term strategic success.
We help fintechs expand their reach and deliver their innovative solutions to a broader financial ecosystem.
We empower businesses to expedite payments processing, improve cash flow, and manage financials with industry-leading technology.
Live From Nasdaq: Jack Henry's Vision for the Future of Fintech
We are always innovating to help solve for the needs and challenges of people at financial institutions and their accountholders.
Protecting your bottom line starts with empowering the financial health of your consumer and business accountholders.
Competing for business accountholders in today's environment requires a whole new strategy.
Improving productivity and operating efficiencies is an industry-wide goal, challenging financial institutions to transform the way they do business.
There are challenges across the industry impacting financial institutions’ ability to generate and grow traditional sources of revenue.
Effectively managing enterprise risk has become more complex and challenging than ever.
Gain new accountholders and avoid expensive attrition by delivering a stellar experience in a competitive landscape.
Is Your Organization's Financial Health Leaving You Vulnerable and At Risk?
Jack Henry Rapid Transfers™ – Swift Money Movement with Advanced Security
Read MoreFintech in a Flash: 11 Big Questions to Help You Develop a Modern Payments Strategy
Read MoreSuccess Has a Low Efficiency Ratio
Read MoreInformation Security and Risk Management: Trends and Threats
Read MoreAll-Digital Lending Capabilities | Multiple Loan Types
Read MoreMeet Jack Henry Financial Crimes Defender
Read MoreThe Really Big Small Business Opportunity
Read More6 Tips for How to Improve the Customer & Member Experience (CX)
Read More7 Things to Improve Your Accountholders' Financial Health
Read MoreOur advocacy of community and regional financial institutions is rooted in the belief that the world is better with you in it.
People are at the center of everything we do – and it starts with our associates.
Meet Jack Henry's Leadership Team
We are always looking for talented professionals to join our team. Explore open opportunities.
Jack Henry has long incorporated a commitment to corporate sustainability into the way we do business. Learn about our priorities.
We are dedicated to our stakeholders and delivering a strong return on investment and long-term sustainability for our business model.
Our Purpose and Mission
Find everything you may need to support your financial institution.
Get more accountholders using your solutions with free, ready-to-use materials that make maximizing your technology investments easy.
Stay on top of industry trends with insights from authors who are well-versed on the inner workings of the fintech industry.
The Jack Henry FIN gives fintechs direct access to Jack Henry’s technical resources to achieve product integration with our core platforms and complementary solutions.
Live From Nasdaq: Jack Henry's Vision for the Future of Fintech
We support community and regional banks with the technology ecosystem and support they need to thrive today and in the future.
We help credit unions serve members at their moments of need and on the channel of their choice as their financial lives evolve.
We deliver the insight and technology ecosystem that new banks need – from meeting initial business goals to achieving long-term strategic success.
We help fintechs expand their reach and deliver their innovative solutions to a broader financial ecosystem.
We empower businesses to expedite payments processing, improve cash flow, and manage financials with industry-leading technology.
Live From Nasdaq: Jack Henry's Vision for the Future of Fintech
We are always innovating to help solve for the needs and challenges of people at financial institutions and their accountholders.
Protecting your bottom line starts with empowering the financial health of your consumer and business accountholders.
Competing for business accountholders in today's environment requires a whole new strategy.
Improving productivity and operating efficiencies is an industry-wide goal, challenging financial institutions to transform the way they do business.
There are challenges across the industry impacting financial institutions’ ability to generate and grow traditional sources of revenue.
Effectively managing enterprise risk has become more complex and challenging than ever.
Gain new accountholders and avoid expensive attrition by delivering a stellar experience in a competitive landscape.
Is Your Organization's Financial Health Leaving You Vulnerable and At Risk?
Our advocacy of community and regional financial institutions is rooted in the belief that the world is better with you in it.
People are at the center of everything we do – and it starts with our associates.
Meet Jack Henry's Leadership Team
We are always looking for talented professionals to join our team. Explore open opportunities.
Jack Henry has long incorporated a commitment to corporate sustainability into the way we do business. Learn about our priorities.
We are dedicated to our stakeholders and delivering a strong return on investment and long-term sustainability for our business model.
Our Purpose and Mission
Find everything you may need to support your financial institution.
Get more accountholders using your solutions with free, ready-to-use materials that make maximizing your technology investments easy.
Stay on top of industry trends with insights from authors who are well-versed on the inner workings of the fintech industry.
The Jack Henry FIN gives fintechs direct access to Jack Henry’s technical resources to achieve product integration with our core platforms and complementary solutions.
Live From Nasdaq: Jack Henry's Vision for the Future of Fintech
Jack Henry Rapid Transfers™ – Swift Money Movement with Advanced Security
Read MoreFintech in a Flash: 11 Big Questions to Help You Develop a Modern Payments Strategy
Read MoreInformation Security and Risk Management: Trends and Threats
Read MoreAll-Digital Lending Capabilities | Multiple Loan Types
Read MoreMeet Jack Henry Financial Crimes Defender
Read MoreThe Really Big Small Business Opportunity
Read More6 Tips for How to Improve the Customer & Member Experience (CX)
Read More7 Things to Improve Your Accountholders' Financial Health
Read MoreExecutive Summary
As payment stablecoins gain traction, you can take steps to prepare:
Look past the hype: Near-term use cases are institutional and global, giving most financial institutions time to plan without rushing into new markets.
Evaluate strategically: Assess how tokenized money could impact deposits and lending, and identify future use cases that would create meaningful value to your existing and prospective accountholders.
How are stablecoins being used today?
Currently, stablecoins are primarily used for me-to-me and institutional exchange transfers, not everyday payments between counterparties. A small subset of consumers use them to convert cryptocurrencies across different chains. However, on the commercial side, usage is heavily concentrated in international business transfers, institutional payments, foreign exchange (FX), and cross-border transactions.
What is the current volume and projected usage of stablecoins?
Many projections overstate the reality of stablecoin payments by looking at total market cap rather than actual payment volume. The Kansas City Fed reports that payments represent only 0.7% of current stablecoin volume.
How will payment stablecoins be used in the near future?
Over the next one to three years, the most plausible use cases for payment stablecoins will remain global, business, and institutional in nature. This means the immediate impact will not disrupt the day-to-day operations of most banks and credit unions.
How should financial institutions prepare for increased stablecoin adoption?
Look past the FOMO and take time to think strategically. Use this window to evaluate not only which stablecoin use cases make sense for your most important and prospective accountholder segments, but also whether stablecoins are the best form of tokenized money to support your specific deposit franchise and lending capacity in the longer term.
What is the most critical step financial institution leaders should take right now?
Evaluate your core infrastructure. Ensure your current tech stack and systems can serve as a seamless bridge between traditional fiat networks and on-chain monetary networks. Tokenized money – whether stablecoins or tokenized deposits – acts as a bridging mechanism. By modernizing your infrastructure to reconcile, settle, and orchestrate across both environments, you can remain the indispensable financial hub for your accountholders across all use cases and future forms of regulated tokenized value.
Uncover strategies to preserve accountholder relationships in our white paper, How Stablecoins Are Disintermediating Deposits and Payments, and in the 2026 Strategy Benchmark.
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