MoonPay Launches DeFi Platform Built Specifically for Banks

• MoonPay launches MoonPay Trade for banks to access tokenized assets and DeFi on 200+ blockchains.
• MoonPay Trade targets banks via a dedicated institutional unit led by Caroline Pham.
• The platform supports tokenized funds, cross‑chain collateral, and DeFi lending like Aave and Morpho.

MoonPay is betting that institutions would demand more access to onchain financial products than just cryptocurrency purchases. 

The company officially launched MoonPay Trade, an enterprise-grade execution platform tailored for global financial institutions. 

How MoonPay Trade Empowers Regulated Banks in DeFi

MoonPay Trade is intended to function as the execution arm of MoonPay Institutional, the division run by former acting CFTC Chair Caroline Pham. 

The platform supports tokenised fund subscriptions, collateral transfers, and direct connections with top DeFi lending protocols such as Morpho, Aave, and Maple Finance.

These integrations enable institutional customers to gain access to blockchain-based yield-earning and borrowing capabilities without the need for specialised infrastructure or direct protocol interactions.

The platform’s cross-chain routing capabilities are supported by Decent.xyz, a business that MoonPay purchased for a high eight-figure price. 

The acquisition provided MoonPay with the technical infrastructure to route transactions smoothly across multiple blockchain networks, which is crucial for institutions operating in fragmented on-chain markets.

Thus, enterprises can now easily lend and borrow on-chain and safely earn on-chain yield.

Building the Infrastructure for MoonPay and the Future of Finance

Caroline Pham highlighted that every major financial institution is developing a tokenised asset strategy, emphasising that MoonPay Trade provides institutions with on-chain market access while remaining fully compliant. 

Her appointment as head of institutional business, given her prior expertise as a top derivatives regulator, demonstrates MoonPay’s intention to position the product within existing regulatory frameworks rather than alongside unregulated DeFi services. 

Banks no longer have to deal with several disjointed networks or native tokens. 

Rather, the smart system handles complex cross-chain execution behind a single unified interface.

Moreover, this strategic pivot signals a massive evolution for the firm’s core business model. 

The brand has quickly transcended its former image as just a retail crypto on-ramp. Today, the company is a leading, end-to-end Web3 infrastructure firm in global finance.

Merging Traditional Banking Security with Decentralized Markets

The comprehensive architecture bundles custody-grade security protocols with instant stablecoin settlement mechanics. 

As a result of this design, the single gateway effectively addresses operational risks of decentralized operations. 

This sophisticated approach addresses the major security concerns that previously kept conservative asset managers away.

At the same time, tokenization is gaining traction among sovereign wealth funds, and global asset managers are growing in their number. 

The platform capitalises on this increasing demand from institutions by offering access to on-chain yield. 

Thus, traditional finance finally gains a secure, high-speed portal into automated liquidity pools.

The company manages to build what is essentially a one-stop financial gateway for institutions, rather than a fragmented crypto software. 

Earlier this month, the company acquired Solana trading infrastructure provider DFlow, which processed more than $12 billion in trading volume in the first quarter. This year, it also acquired the security firm Sodot.

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