OpenReserve Raises $25M for Digital Banking
OpenReserve raised $25M to build banking infrastructure around tokenised deposits, stablecoins and on-chain settlement.
Stablecoin infrastructure is moving closer to regulated banking rails.
What happened
OpenReserve, a federally chartered bank in formation, raised a $25M seed round to build digital banking infrastructure around tokenised deposits, stablecoins, payments, lending and on-chain settlement.
The company is positioning around always-on money movement while trying to keep bank-like compliance and governance at the centre of the product.
Why it matters
The fintech signal is not just “crypto banking is back.” The more important shift is that stablecoins and tokenised deposits are being framed as regulated financial infrastructure rather than purely crypto-native products.
That matters for banks, fintechs and payment companies. If digital-dollar rails become more embedded into mainstream finance, the winners may be the firms that can combine speed, compliance, liquidity and trusted access.
The bigger picture
The next phase of fintech infrastructure may look less like consumer apps and more like programmable banking networks. OpenReserve is part of a broader move toward 24/7 settlement, tokenised money and financial products that sit between traditional banking and blockchain rails.