What Stablecoin Funding Means for Interactive Brokers Clients

Interactive Brokers has introduced round-the-clock account funding using the USDC stablecoin, marking another step toward closer integration between traditional brokerage infrastructure and digital assets.

According to the company, support for additional stablecoins — including PayPal USD and Ripple USD — is expected to be added by the end of January.

Why this matters

The move highlights how major brokers are increasingly lowering the barriers between crypto and traditional financial markets.

For clients, stablecoin funding offers a faster and more flexible way to move capital into brokerage accounts, particularly outside standard banking hours. Instead of relying on wire transfers or banking schedules, investors can now fund their accounts at any time using digital dollars.

From a strategic perspective, this functionality also reflects Interactive Brokers’ broader effort to expand its digital asset capabilities through partnerships with regulated crypto infrastructure providers.

How the funding process works

The stablecoin deposit feature is implemented through a partnership with the crypto platform Zerohash.

Clients can fund their Interactive Brokers accounts by transferring USDC — a U.S. dollar–backed stablecoin — from their personal crypto wallet to a secure wallet address generated within the Zerohash ecosystem.

Once received, the stablecoin is automatically converted into U.S. dollars and credited to the client’s brokerage account. Funds typically become available within minutes.

Fees and costs

Interactive Brokers does not charge a fee for stablecoin deposits.

The conversion from stablecoin to U.S. dollars is handled by Zerohash, which applies a conversion fee of 0.30% of the deposit amount, with a minimum fee of $1.

Transaction limits

• Minimum transaction: $10
• Daily limit: up to $25,000
• Monthly limit: up to $250,000

Withdrawals of funds deposited via stablecoins are subject to a holding period and generally cannot be withdrawn for 30 business days.

Step-by-step funding guide

1. Log in to your Interactive Brokers account
2. Navigate to Transfers & Payments
3. Select Deposit Funds
4. Choose Deposit via Stablecoin
5. Select the blockchain network (Ethereum, Solana, or Base)
6. Scan the generated QR code or copy the wallet address
7. Send USDC from your crypto wallet using the selected network

Once the transaction is confirmed on the blockchain, funds are typically credited within minutes.

Availability and restrictions

Access to stablecoin funding depends on several factors, including the client’s account type, jurisdiction, and applicable regulatory requirements. Not all clients may be eligible for this feature immediately, and supported stablecoins may vary by region.

The introduction of stablecoin funding at Interactive Brokers reflects a broader trend toward convergence between digital assets and traditional finance. By enabling 24/7 funding using blockchain-based dollars, brokers are not only improving operational efficiency but also redefining how capital flows into global markets.

This material is provided for informational purposes only and does not constitute investment advice or a recommendation to use any specific financial product.