Highnote Partners With BVNK To Enable 24/7 Card Programme Funding

Highnote has partnered with digital asset payments platform BVNK to allow its business customers to fund U.S. card programmes at any time using stablecoins, with automatic conversion to U.S. dollars. The move aims to remove delays caused by traditional U.S. banking hours for companies operating across different time zones.

Highnote, based in San Francisco, provides a unified platform for embedded finance and modern card issuance. The new service enables Highnote subscribers to fund U.S.-based programme accounts in USD in near real-time, including nights, weekends, and public holidays.

Under the arrangement, Highnote subscribers transfer funds using stablecoins, which are then automatically converted to U.S. dollars. The USD is deposited in sponsor bank accounts in real time, allowing instant programme funding.

The companies said the solution is aimed at high-velocity use cases such as supplier payouts in accounts payable automation, instant expense reimbursements, real-time settlements for marketplaces, and funding flows for fleet and credit programmes.

“Our subscribers are building real-time financial products for a global user base, and until now, they have still had to operate within the limits of the U.S. banking hours,” said John MacIlwaine, Chief Executive Officer at Highnote. “This new capability eliminates that barrier, giving them true around the clock control over how and when to move money. More importantly, this is a foundational step that opens the door to deeper integration of digital assets across our platform, from funding in (acquiring) to funding out (issuance), and beyond.”

BVNK said its stablecoin-native infrastructure enables instant global value transfer, reducing friction in payment flows that rely on traditional banking rails. The company added that stablecoins are expected to play a greater role in optimising payments, lowering costs, and enabling programmable money across issuing, acquiring, and credit.

BVNK provides payments, settlement, and foreign exchange services for businesses that operate in both fiat and digital currencies, connecting them to global payment networks through a single platform.