Interactive Brokers
Transact
Account Funding
How Interactive Brokers Enabled Real-Time Global Brokerage Funding Using Stablecoin Infrastructure
Interactive Brokers is one of the world’s largest electronic brokerages, serving retail and institutional investors across more than 200 countries. With more than $400 billion in client equity, the firm attracts highly active traders who expect immediate access to markets. As trading becomes increasingly global and event-driven, funding speed directly impacts execution outcomes and capital efficiency.
OPPORTUNITY
Funding Friction Limited Global Agility
International brokerage deposits often take one to three days due to correspondent banking chains, FX conversion, and banking cut-off times. Traders reacting to macro events or earnings releases cannot wait for funds to clear. ACH and card rails introduce deposit caps and chargeback risk. Cross-border FX fees reduce net capital deployed into trades.
For a brokerage competing on execution quality and low cost, slow funding becomes a structural disadvantage. Interactive Brokers needed a compliant, always-on funding method that reduced operational risk while expanding global accessibility.
SOLUTION
Regulated Stablecoin Funding Infrastructure
zerohash integrated stablecoin account funding directly into Interactive Brokers’ brokerage stack. Clients can deposit USDC and other supported assets, with settlement occurring on-chain and confirmed in near real time. zerohash provides the regulated infrastructure behind the flow, including U.S. licensing coverage (including New York), transaction monitoring, wallet screening, and configurable per-user funding limits.
The platform supports integrated fiat on- and off-ramps, allowing seamless conversion between stablecoins and traditional bank rails.
Liquidity management and treasury orchestration ensure large deposits can be processed efficiently. Settlement finality eliminates ACH chargeback risk and reduces fraud exposure. All flows are logged and reconciled through institutional-grade reporting tools aligned with compliance and finance requirements.
Solution highlights:
- Final, irreversible settlement: Stablecoin deposits settle with finality, eliminating ACH chargeback risk and reducing operational and fraud-related overhead.
- Higher funding limits: Stablecoin rails remove traditional deposit caps, enabling larger account funding transactions than ACH and card-based methods.
- Per-user limit controls: zerohash enforces configurable daily and monthly funding limits at the individual user level.
- 24/7/365 account funding: Always-on funding supports continuous access to markets as 24/7 trading becomes the norm.
OUTCOME
Continuous Access to Trading Capital
Investors can now fund accounts in real time, regardless of geography or banking hours. Capital becomes immediately available for trading, improving responsiveness during volatile market events. Settlement finality reduces operational risk and fraud overhead.
Cross-border friction declines, particularly in emerging markets. As markets move toward 24/7 trading, Interactive Brokers now operates on funding infrastructure aligned with continuous global liquidity.
TESTIMONIAL
“Investment returns are not just about picking the right trades. They are influenced by the costs you pay, the prices you get, and how efficiently your capital is put to work. When investors pay less in fees and trade with efficient execution, those advantages add up and compound over time.”
About zerohash
zerohash enables financial platforms to integrate digital assets directly into their core products. Across trading, payments, and tokenization, the company provides regulated infrastructure that supports execution, custody, settlement, and compliance at institutional scale. From consumer fintech apps to global asset managers, zerohash powers embedded crypto experiences across 24/7 markets. Its infrastructure abstracts regulatory and technical complexity, allowing companies to focus on customer experience while operating within a secure, compliant framework.