AllScale secures $5 million in funding: Is stablecoin banking for small and micro businesses on the rise?

In the past 12 months, the total on-chain trading volume of stablecoins reached a staggering $46 trillion, a year-on-year increase of 106%. This scale is almost equivalent to the core of the US banking system—the ACH clearing network.

Against the backdrop of traditional cross-border payment systems remaining cumbersome and expensive, a self-custodial stablecoin digital bank called AllScale has completed a $5 million seed round of financing.

01 Behind the Funding: Targeting the “Super Individuals” Overlooked by Traditional Finance

On December 8, 2025, self-custodial stablecoin digital bank AllScale announced the successful completion of a $5 million seed round.

The round was co-led by YZi Labs, Informed Ventures, and Generative Ventures, with participation from multiple investment institutions such as Aptos Deep Mind and INP Capital.

This is not a simple capital game. AllScale positions itself as “the world’s first self-custodial stablecoin neobank.” Its target users are not large multinational corporations, but rather a vast group long ignored by the traditional financial system:

Globally distributed, AI-powered freelancers, collaborative Web3 projects and DAO organizations, and small merchants engaged in cross-border sales on Amazon and Shopify.

AllScale defines them as “super individuals,” the most dynamic “capillaries of commerce” in the wave of AI globalization.

02 Business Gap: When Globalized Productivity Meets Lagging Payment Systems

A profound business fault line is forming. AI has endowed individuals with unprecedented productivity, allowing them to create value globally like an army.

However, the cross-border payment systems supporting value flow remain arrogant, cumbersome, and full of bias. This significant mismatch between supply and demand leaves a huge market opportunity.

The pain points of traditional cross-border payments are clear and stubborn. According to research by MetaComp, funds settled through traditional banks need to “wander” for 2 to 5 business days.

For businesses reliant on cash flow, every day of delayed settlement can mean a loss of 0.6% to 2.1% of transaction value.

Fees are another high barrier. Cross-border transaction fees for SMEs are 15% to 30% higher than for large enterprises. For payments involving non-mainstream currencies, costs may soar above 10%.

Chainalysis estimates that as early as 2023, on-chain stablecoin flows in the Yiwu market alone exceeded $1 billion.

03 Stablecoins Break Through: From Crypto Derivatives to New Global Payment Infrastructure

The role of stablecoins has fundamentally changed. They are evolving from tools serving crypto traders to new global liquidity infrastructure.

When $46 trillion in on-chain trading volume historically surpasses Visa in scale, stablecoins are no longer just a simple medium of exchange.

They are becoming a new type of payment infrastructure gradually recognized by global regulatory frameworks. From legislative progress in the US Congress to regulatory sandboxes in Hong Kong and Singapore, policy green lights are lighting up one by one.

The actions of industry giants are the most honest indicators. Fintech giant Stripe spent $1.1 billion in February 2025 to acquire crypto payments company Bridge.

Just three months after the deal closed, stablecoin payment services quickly went live, with transaction volumes soaring at a monthly rate of 30%, indicating strong market demand.

04 AllScale’s Solution: Integrating Self-Custodial Wallets and Seamless Payments

Facing these market pain points, AllScale’s solution strikes at the core. Its product suite aims to package the technical advantages of blockchain into a familiar and user-friendly experience.

AllScale Pay is its flagship, handling core USDT/USDC payments and supporting one-click generation of professional invoices and team collaboration accounts.

Its self-custodial wallet is a solid backbone. AllScale innovatively leverages Passkey technology, allowing users to register with just a fingerprint or facial recognition on their phone to generate a unique on-chain address.

The private key is encrypted and stored in the device’s secure chip, never touched by the system, enabling users to have full control of their assets while completely eliminating the nightmare of memorizing seed phrases.

This solution targets four key business scenarios: solving payroll challenges for globally distributed teams; providing compliant and efficient payment channels for cross-border sellers; helping freelancers in emerging markets convert digital work into survival resources; and keenly capturing the needs of “super individuals” and “social commerce” on platforms like Telegram and WhatsApp in the AI era.

05 Why Should Gate Users Pay Attention to AllScale?

For a top-tier trading platform like Gate with over 31.6 million users, the trend represented by AllScale closely matches the needs of platform users.

Gate users are known for their deep involvement in the crypto ecosystem and active exploration of emerging use cases. The platform supports over 2,500 digital assets and excels particularly in trading payment-oriented cryptocurrencies like Bitcoin Cash (BCH).

The large-scale adoption of stablecoins in real business scenarios driven by AllScale will bring a firmer value foundation and a broader user base for the entire crypto ecosystem.

The popularization of stablecoin payments means that assets like USDT and USDC will shift from being “intermediaries” in trading pairs to becoming “digital cash” with real productive and transactional value.

06 PayFi Narrative: Payments as a Starting Point, Not an Endpoint

The birth of AllScale is a spark from the collision of three historic trends in recent years. Besides the mainstreaming of stablecoins and the infrastructure gap driven by the AI economy, the third key wave is the awakening of the PayFi narrative.

In the summer of 2024, Solana Foundation Chair Lily Liu introduced the new concept of PayFi. She believes that the entry point for the next billion users into the crypto world is not complex DeFi, but the payment systems we use daily.

The core logic of PayFi is that it transforms payment from a simple endpoint action into a programmable starting service.

On platforms like AllScale, funds should not be static numbers. An in-transit payment can seamlessly participate in low-risk financial protocols.

The concept of “creating value in the moment of funds flow” is opening up brand-new profit spaces for the ancient remittance industry.

Future Outlook

When that young developer in Nairobi receives a USDC payment via AllScale in minutes, he may not realize he is part of a silent revolution.

This revolution could be as large as $6.2 trillion—the market gap currently occupied by inefficient traditional settlement systems, which stablecoins are poised to tap.

In Yiwu, international buyers are beginning to use USDT to pay Chinese merchants. In Africa, freelancers are connecting digital services with global demand through the Skill Afrika community.

The $46 trillion torrent of on-chain transactions has not stopped; it is quietly reshaping the flow of global value along every newly opened branch of the digital highway. Payment, the oldest act in finance, is being given new definition and boundaries through code and cryptography.