Stabledash
Ecosystem
Dakota Launches API-First Stablecoin Infrastructure for Programmable Money Movement as It Shifts from Neobank to Enterprise Payments
Dakota’s pivot aligns with a broader move to embed stablecoins in settlement and B2B flows, as payments competition shifts to compliance, programmability, and interoperability.
January 29, 2026
Companies mentioned:
Dakota pivots from neobank to infrastructure, launching APIs for regulated, programmable stablecoin money movement.
Abstraction of custody/compliance targets faster rollout of B2B cross-border payments, treasury, and payouts.
Competition shifts to controls, interoperability, and reconciliation as stablecoins move into enterprise payment stacks.
Dakota has launched an API-based stablecoin infrastructure platform for fintechs and enterprises, enabling regulated, programmable global money movement and building on its $12.5M raise in 2025.
The platform abstracts custody and compliance to simplify on-chain settlement while preserving links to traditional rails like ACH, Fedwire, and SWIFT. For CFOs and product teams, this reduces time-to-market for cross-border B2B payments, treasury automation, and global payouts. The shift marks Dakota’s evolution from a neobank to a B2B infrastructure provider, aligning revenue to usage rather than deposits.
It arrives as payments incumbents expand stablecoin pilots and settlement, intensifying competition on programmability, compliance controls, and reconciliation. Expect enterprise diligence to center on embedded KYC/AML, travel rule readiness, reconciliation across fiat and on-chain flows, and auditability.
If executed, Dakota’s move underscores stablecoins’ transition from speculative assets to core enterprise payment infrastructure.
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