Empowering Stablecoin Adoption with Utila’s Modular Infrastructure

Stablecoins offer near-instant, low-cost, programmable payments that operate 24/7 globally. To harness these benefits, businesses need enterprise-grade infrastructure to mint, custody, and move stablecoins securely.

Utila provides exactly that: a robust, multi-chain MPC-based platform purpose-built for institutions. Our modular architecture enables fintechs to build custom stablecoin flows—with built-in compliance, fiat on/off-ramps, and deep ecosystem integrations.

In this piece, we explore four core use cases: Treasury Management, Workflow Automation & Embedded Use Cases, OTC Desk Operations, and Stablecoin Issuance, and explain how Utila’s features (wallet management, policies, webhooks, integrations, and more) make them possible.

Treasury Management

Businesses can treat Utila as a single source of truth for all crypto funds across chains. For example, Utila’s dashboard shows vault balances with breakdowns by sub-wallet. Each incoming payment can be routed to a dedicated wallet or deposit address for precise tracking.

Creating a unique wallet and deposit address per pay-in or counterparty allows every transfer to be tagged to the correct source. This makes attribution and reconciliation straightforward. Utila automatically logs balances, inflows, and outflows, and supports data export for accounting. Treasury teams can add notes or labels to transactions and integrate Utila with accounting software to ensure all transactions are reconciled with internal books.

Dedicated Pay-In Wallets

Utila enables you to create separate wallets and deposit addresses for each sender or revenue stream. For example, you can generate a multi-chain USDC wallet for each customer or region. Incoming payments to each address are automatically attributed, simplifying bookkeeping and enabling transaction-level tracking.

By segregating funds this way, the platform inherently knows which funds belong to which pay-in—improving auditability and compliance. Since a wallet can be connected to multiple blockchains, Utila removes the need to create multiple wallets per entity and can even save funds sent to the correct address but on the wrong EVM blockchain. 

Global On/Off-Ramp Network

Funds held in Utila vaults can be moved on- or off-chain seamlessly. Through integrations with on/off ramp partners like Bridge.xyz, users can convert stablecoins to fiat (and vice versa) in a few clicks. For example, a USDC balance can be off-ramped to a linked bank account. Conversely, a fiat deposit can be on-ramped to stablecoins in Utila.

This enables your treasury programmatically send crypto deposits from customers to global bank accounts via partners like Bridge and our OTC partners, all from a single interface. This functionality lets global businesses move funds seamlessly between bank accounts in different regions, using stablecoins as settlement rails

Granular Access Control & Policies

Utila’s MPC wallets are secured by a flexible policy engine. Admins can define user roles and multi-tier approval flows. For instance, a CFO and COO may be required to approve outgoing payments above a set threshold. Policies can also enforce whitelisted addresses, daily/weekly/monthly transaction limits, and quorum-based multi-signature requirements.

The platform also supports fine-grained permissions (e.g., read-only vs. transfer rights). These controls ensure that only authorized personnel can move funds and that all transaction activity complies with internal rules and policies.

Comprehensive Auditing and Reconciliation

Every transaction is logged with full detail. Utila maintains balance histories and transaction notes across wallets. Treasury teams can export vault balances, inflow/outflow histories, and other reports directly from the dashboard. Utila also supports pushing accounting entries and KYC/AML results to external systems.

In practice, this means each stablecoin payment can include internal memos and reconcile 1:1 with bank statements or ERP records. By combining multiple deposit addresses with robust reporting, Utila simplifies end-of-month reconciliation for stablecoin payrolls, receivables, refunds, etc.

Integrated swapping/bridging

Utila supports seamless swaps and cross-chain bridges directly within the platform, eliminating the need for external DEXs/exchange.

For instance, if funds are received in a native token and you want to lock in value immediately or if you need to switch between stablecoins for on/off-ramping (as some of our network providers support only specific stablecoins) —Utila handles it natively within the platform.

Batch Transfer

Batch Transfer enables operators to send multiple transactions to different recipients with a single approval.

Treasury teams at firms like Prospera, Blockaid, Addressable, and Utila itself use our digital asset operations platform for a range of treasury management use-cases.

Workflow Automation & Embedded Use Cases

Utila’s building blocks can be composed into fully automated, cross-border payment flows. At the core is Utila’s API and webhook framework. Developers can use our APIs to create wallets and initiate transactions, and subscribe to webhooks for real-time events.

For instance, you can programmatically spin up a USDC wallet for each vendor and send them the deposit address. Once funds are received, Utila emits a  Transaction Created/Confirmed webhook. Your system can instantly apply business logic—like crediting the vendor’s account or triggering downstream payments—without manual polling.

Webhook Triggers

Utila supports webhooks for key events (e.g., deposits, transaction status, wallet creation etc.). This allows backend systems to respond automatically. For instance, they can listen for a “deposit received” callback and automatically convert the incoming stablecoin or trigger a batch payout.

For example, a SaaS platform can use a webhook to notify its billing engine when a client’s stablecoin invoice is paid and unlock services accordingly.

Integrated AML/KYT

Utila embeds compliance into the workflow via partner APIs. Institutional users can connect Utila to blockchain intelligence tools (e.g. Chainalysis, TRM Labs). Incoming transactions are screened in real-time as this integration provides live risk scores for each transfer which is logged in the system. 

In practice, this lets you define a policy that automatically freezes or rejects a deposit if  the counterparty is flagged by the AML provider. These AML rules run in-app, with one click you can drill down into the relevant investigator report for any address. All screenings and compliance events are recorded in Utila’s logs.

Programmable Co-Signers & API Workflows

Our MPC architecture allows you to embed signing logic into your workflows. Utila’s InitiateTransaction API lets your system build and schedule a transfer automatically. The API co-signer mode allows you to set up a dedicated “service account” (gas wallet) to auto-sign routine transfers via API. 

For example, instead of manually clicking “approve” in the UI for a daily settlement, your back-end can programmatically gather signatures (via secure co-signer credentials) and execute the transaction. This is powerful for high-frequency or automated flows, such as payroll disbursements or payroll en masse.

Sponsored (Gas-Relayed) Transfers

On networks like Ethereum or Tron, paying gas can be a hurdle for some users. Utila’s sponsored transfer feature solves this by delegating gas costs.  By assigning a dedicated gas wallet (which will cover network fees on behalf of the actual sending wallet), users can initiate stablecoin transfers without holding native tokens.

This means recipients or payers don’t need to hold ETH/BNB/Tron in their wallets – Utila’s sponsored transfers abstract away gas fees on ERC-20 and TRC-20 tokens (Solana support via API) and simplifies user experience.

Cross-Chain Swaps and Bridges

Because Utila supports a wide range of networks, automated workflows can include on-chain swaps or cross-chain bridges. For example, after receiving USDC on Ethereum, an automated flow can trigger a swap to USDT or bridge to Polygon—executed entirely via API.

With Utila’s extensive multi-chain support, you aren’t locked into one network when designing a payment flow.

End-to-End Fiat Integration

Utila connects crypto workflows to fiat rails. Through its on/off-ramp integrations, your application can push funds to traditional systems. For example, after collecting stablecoins for overseas payments, your workflow can call Utila’s on-ramp to Bridge (as shown in the image below) to convert any leftover crypto back into USD and remit to a global bank account.

This closes the loop: a customer can pay you fiat (on-ramped to stablecoin), you process payment logic with Utila, then you off-ramp funds to your bank seamlessly, all via API. 

We’ve been empowering multiple Neobanks, PSPs and stablecoin platforms like MS Pay, Austospend, Unblock, Stable mint and others — all of whom are leveraging our entire set of features at scale  to utilize stablecoins in their core offering. .

OTC Desk Operations

Trading firms and OTC desks like Vield, 1Konto, Mandioca, DMALink, Febit and more use Utila as their secure operating hub for all in/out flows. All crypto coming into the desk (client deposits) and going out (trade settlements) are managed on the same platform.

Each customer or trade can have a dedicated deposit wallet in the vault, and once the crypto arrives, the trader can swiftly execute swaps, withdraw to exchanges, or off-ramp. The key is that Utila’s infrastructure ensures this is done securely and compliantly.

For example, an OTC trader can initiate a large transfer from the vault’s USDC wallet; Utila will pause and wait for the configured users to approve the transaction. Those signers (via MPC or the mobile app) authorize the release, and the funds are then routed – perhaps into a connected exchange account or into an on-chain swap – as per the desk’s workflow.

Unified Asset Management

Utila provides a consolidated view for all assets across wallets, blockchains, exchanges, and DeFi. 

You can connect multiple exchange accounts via API keys, so incoming crypto can be deposited directly to your exchange accounts (Binance, Coinbase, etc.), or withdrawn out to them utilizing our APIs. The platform’s unified view tracks every inflow and outflow across all wallets and exchanges.

An OTC desk thus sees its entire liquidity position in one place, simplifying portfolio management. Trading operations become “risk-free” because Utila holds the assets in self-custodied MPC wallets, eliminating counterparty custody risk.

Automated Wallet Provisioning

For each new client or trade, Utila can automatically generate a new wallet/address.

This is useful for precise bookkeeping: every incoming client transfer goes into its own wallet, tagged by the merchant/accounting system via our APIs. Once the deposit arrives and the event is posted (via webhook), the OTC system knows exactly which trade or client to credit. The same APIs that created the wallet can then be used to sweep or allocate the funds according to your trading strategy

Mobile and Co-Signed Approvals

Utila’s MPC framework means that no single person holds the complete key. All outgoing transfers from the vault require a quorum of signers. Traders can use Utila’s mobile signing app to approve transfers on the go.

For example, one trader in New York might initiate a withdrawal, and two other co-signers (perhaps in different locations) can tap “Approve” on their phones.

Transfers can be initiated from  the Utila mobile app as well, for time-sensitive on-the-go trades, while co-signers approve securely. This ensures agility without compromising security and  auditability. 

Policy Enforcement

Every OTC trade must comply with firm policies. Utila enforces these via its robust policy engine. You can whitelist approved counterparty addresses, restrict certain asset movements, and set custom approval flows based on trade size or user role.

For example, you might require additional sign-offs for any trade above $1 million, or block transfers to unknown addresses. Utila logs all decisions and enforcements, ensuring a clear chain of command and audit trail.

Stablecoin Issuers: Programmatic Minting, Distribution, and Compliance

Stablecoin issuers need much more than a smart contract to launch a successful asset. They need infrastructure to manage minting and burning, compliance enforcement, liquidity distribution, and multi-chain deployments—all without compromising on security.

Utila provides an enterprise-grade, full-stack platform to run stablecoin issuance end-to-end, whether you’re building a fiat-backed stablecoin, a private label corporate asset, or a digitally collateralized instrument.

Multi-Chain Smart Contract Deployment

Utila enables issuers to deploy mint/burn contracts across EVM and non-EVM chains like Solana, Tron, and Cosmos.

Whether you’re building a USDC equivalent on Ethereum or an MXN-backed token on BNB Chain, Utila’s architecture supports creating new assets or integrating with existing ones via custom modules and contract registries. This is ideal for issuers targeting different regions or ecosystems with localized stablecoins.

Customizable Mint/Burn Policies

Issuers can define highly granular controls around how new tokens are created and redeemed. Utila’s policy engine enables:

• Role-based controls (e.g., only designated operators or banking partners can mint or burn).
• Approval flows for burning/minting operations, including specific approvers/quorums or a combination of all. 
• Automatic limits and rate controls, such as daily mint caps or tiered issuance thresholds. 

These rules are enforced at the wallet level (via MPC and transaction policies), ensuring tokens are only minted when all conditions are met—without requiring human intervention on every request.

Integrated Compliance Workflows

Issuers can embed KYC/AML checks using Utila’s integrations with Chainalysis, TRM, and (soon) Elliptic, ensuring compliance with regulatory requirements across jurisdictions.

For example, every mint transaction can be automatically screened, logged, and risk-rated. Suspicious requests can trigger automated freezes or escalations, reducing manual compliance overhead.

Liquidity Distribution via Exchanges and Partners

Once minted, stablecoins can be distributed via Utila’s exchange connectivity and liquidity partner network. Issuers can automate flows to market makers, OTC desks, or whitelisted exchange wallets—spreading the asset across key venues to increase availability and adoption. For example, a freshly minted stablecoin batch can be automatically routed to Binance, Kraken, or on-chain AMMs via Utila’s APIs.

Treasury and Reserves Management

Issuers often manage reserves (USD, EUR, collateral tokens) alongside the circulating supply. Utila provides a full treasury stack to track these assets, apply reconciliation logic, and generate audit reports. This coupled with the wallet infrastructure and transaction history features described earlier, issuers get complete visibility into both sides of the balance sheet: what’s been issued, and what’s backing it.

In short, Utila empowers stablecoin issuers to move beyond “deploy and hope” by giving them the infrastructure to control, distribute, and govern their assets with the same rigor expected from traditional financial institutions. Whether you’re launching a new cross-border digital currency or building a regional stablecoin in partnership with a bank, Utila’s modular stack gives you the tools to do it securely, compliantly, and at scale.

Utila’s modular stablecoin infrastructure equips fintechs, payment providers, and institutions with the building blocks for treasury, payment, and trading operations. With secure, institutional-grade, multi-chain MPC wallets, flexible policy engine, webhooks, and deep ecosystem integrations, Utila turns complex stablecoin use cases into robust, automated workflows.

By leveraging Utila’s platform, businesses can confidently adopt stablecoins for global treasury management, embedded payments, and OTC trading – all with enterprise-grade security and compliance.