Utila’s monthly brief for teams
building with digital assets
EVENTS
Join Utila at TOKEN2049 Singapore
Visit booth PB1-9 at TOKEN2049 Singapore on October 7-8 to discuss your stablecoin and digital asset plans with the Utila team. Our entire APAC team will be there, and we’re also hosting a few side events throughout the week.
Join us for the ones you can (registrations subject to approval).
STABLECOIN STRATEGY
Keep Control of Your Stablecoin Stack
Launching a stablecoin product through a licensed provider can tie your regulatory coverage to that provider’s technology. Our recent article explores how fintechs can access licensed coverage while building on wallet infrastructure they can retain as their licensing strategy evolves. It explains how Utila’s Licensed Partner Network supports this approach with Fipto, CoinGate, Balance and Surus.
COMPANY NEWS
Conversations Across the Stablecoin Industry
Learn how early security decisions affect a business’s ability to scale and how investors assess customer adoption.
Bentzi Rabi in Out Of Pilot: A closer look at the security and infrastructure decisions behind Utila’s growth, with practical lessons for founders building financial products.
Utila featured on Bloomberg TV: Lyrik Ventures’ Rune Bentien discusses the investment thinking behind backing businesses such as Utila, with an emphasis on customer adoption and business fundamentals.
COMPANY NEWS
We Hosted StableTLV 2.0
More than 110 executives and business leaders gathered at Utila’s Tel Aviv offices for the lively second edition of StableTLV, co-hosted with Mastercard and Mesh. The event featured NALA’s Benjamin Fernandes on stablecoin payments in Africa, alongside perspectives from J.P. Morgan, eToro, Papaya Global and Digital Asset. A big thank you to everyone who joined and contributed to the discussions!
AGENTIC PAYMENTS
AI Spending Needs Enforceable Boundaries
Giving an AI agent access to funds creates a control problem: software can act on a mistaken instruction or exceed its intended authority. To help teams address that risk, our agentic payments explainer examines how these transactions work, while the accompanying security article explores how MPC wallets and transaction policies can keep execution within institution-defined limits.
PRIVACY IN PRACTICE
Public Ledgers Can Expose Commercial Information. Here’s How to Solve This
A supplier who knows your wallet address may be able to inspect payments to other suppliers and infer details about your business. We explore how to manage that exposure in our blockchain privacy article, including how to preserve the access to information that operations and compliance teams may need. A companion piece with our partners from Bermuda illustrate how these choices work in practice through four use cases: payroll, repo, tokenized assets and yield cases.
PRODUCT UPDATES
More Flexibility Across Wallet Operations
Here are some recent product updates that expand network support and make transfers easier to manage:
Sponsored transfers on mobile: Complete the transfer workflow on your phone and choose which wallet covers the gas fee across EVM chains, Solana, Sui and Aptos.
Pearl support: Create wallets and manage PRL custody and transfers across console, mobile and API, with transaction policies and approval controls.
XDC Network support: Manage assets on an EVM network built around institutional payments and trade finance, including tokenized real-world assets.
PARTNERSHIP UPDATES
Connect More of Your Financial Operations
Recent partnerships extend what institutions can do through their existing Utila environment:
Notabene: Connect counterparty discovery and Travel Rule data exchange with transaction authorization, so compliance decisions happen before funds move.
Cosmos Partner Network: Connect Utila’s custody and transaction controls with the Cosmos Tokenization Suite to support banks operating tokenized financial services.
Dawn Labs: Delegate SOL to a 0% commission validator while keeping staking within Utila’s MPC wallet and approval framework.
Zama: Access confidential onchain strategies through existing wallet infrastructure, supporting an ecosystem of 16 curated Morpho yield vaults across five assets.
CUSTOMER & PARTNER STORIES
Building Payments and Capital Markets Onchain
Learn how to add stablecoin payouts and conditional settlement to financial products, with practical lessons on choosing wallet infrastructure that fits your operating requirements.
Thaw Digital: Building onchain capital markets across Stellar and Solana. Founder and CEO Tom Meister explains how chain support and API architecture shaped the wallet infrastructure decision, alongside product fit and ongoing support.
Coinbax: Adding programmable escrow and conditional settlement to stablecoin payments, with Utila providing MPC wallets and governed transaction execution.
Mesh: Bringing stablecoin settlement into accounts payable and employee reimbursements, while preserving the approval and reconciliation workflows finance teams already use.
FOR BANKS & FINANCIAL INSTITUTIONS
The GENIUS Act and Why Your Bank Needs to Define Your Stablecoin Operating Model
Banks planning stablecoin services need to decide which responsibilities they will take on and how those services will fit their existing systems. We wrote our GENIUS Act analysis to help teams translate those decisions into an operating model they can implement and audit, connecting their intended role with the custody arrangements and transaction controls it requires.
FOR BANKS & FINANCIAL INSTITUTIONS
Put Stablecoins to Work in Banking and Treasury
Prefunded accounts tie up working capital, and local payout schedules affect when recipients can use their money. These constraints shaped the updates to our banking framework and treasury playbook: helping teams identify where stablecoins can improve the full payment journey and how to manage the liquidity supporting it. The articles cover practical use-case selection and ways to assess funding buffers and capital efficiency.
SECURITY
How to Choose Your Wallet Architecture to Fit Your Operations
Wallet architecture affects the work involved in replacing approvers and recovering access, with consequences for operating costs. To make those trade-offs easier to assess, we’ve updated our MPC vs multi-sig comparison and expanded the MPC explainer. Together, they help teams understand how signing and transaction policies work, then evaluate each architecture against the workflows they need to run.
See Utila in Action
Curious about Utila? Book a demo to explore features, discuss use cases and get all your questions answered.
