RBFCU, Stanford FCU and La Capitol FCU are testing stablecoin services through a Stablecore pilot. Lending and settlements are target use cases for 2026.
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Three US credit unions overseeing $25 billion in combined assets are testing stablecoin payments, tokenized deposits, and digital asset accounts through a pilot program that went live June 24.
The participants are RBFCU, Stanford FCU, and La Capitol FCU. Each digital dollar used in the pilot is backed 1:1 by cash reserves, Stablecore said. The company built the program with Circuit and Curql, an innovation collective focused on the credit union space.
Stablecore is pitching the pilot as an educational exercise as much as a technical one. Participating credit unions receive compliance assistance and structured training on digital assets, the company said. CEO Alex Treece hired Ben Hailey as Head of Risk and Compliance to support the effort.
The three service areas are straightforward: stablecoin payments, tokenized deposits, and digital asset accounts. For 2026, Stablecore has identified lending and settlements as target use cases, with remittances further out.
Stablecore raised $20 million in September 2025 from more than 200 financial institutions. Two integrations followed early this year. On March 24, the company announced a tie-up with Q2, a digital banking platform used by hundreds of banks and credit unions. The April 9 partnership with TRM Labs added blockchain intelligence and compliance monitoring to the stack.
The timing aligns with the GENIUS Act, which provides a federal framework for stablecoin issuers and users. Credit unions serve over 130 million members across the US. The $2.2 trillion industry has largely sat out the digital-asset push from commercial banks. A $25 billion pilot from three institutions does not change that. It does give the sector a concrete test case for treasury operations, settlement speed, and member-facing payments.
The pilot runs through 2026. At that point, the three credit unions decide whether to move into full production. A positive result would give other credit unions a template for stablecoin adoption. A negative one would reinforce the view that digital assets belong to commercial banking, not the cooperative model.
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