Institutional Finance Embraces Stablecoin Infrastructure

Q: What is the history behind the creation of Utila and how would you define the company's strategic positioning in 2026? 

A: My Co-Founder and I launched Utila in 2022, drawing on our backgrounds as security professionals and our involvement in the cryptocurrency space since 2015. We recognized a fundamental shift as digital assets moved beyond speculative trading toward Decentralized Finance (DeFi) and the construction of traditional financial flows on the blockchain. Our research revealed a significant gap: most existing tools focused solely on trading, leaving a need for institutional-grade wallets that offered both high-level security and the smart contract connectivity required for modern on-chain applications. 

Today we serve hundreds of global clients, including Fintechs, Payment Service Providers (PSP), and tokenization platforms. While we initially focused on Web3-native firms, our strategic positioning in 2026 is centered on providing high-scale infrastructure for established financial institutions, fintechs, and PSPs that are increasingly integrating digital assets into their core operations.

Q: What were the corporate decisions that allowed the platform to scale operations to process monthly volumes of US$20 billion without compromising security or agility? 

A: We prioritized the development of technical capabilities that allow for the simultaneous signing of numerous transactions, transaction batching, and sophisticated gas management. Furthermore, we implemented deep support for blockchains that are critical for stablecoin movements, such as Tron, Solana, and various Ethereum Virtual Machine (EVM) chains. For instance, on the Tron network—which is highly popular in Mexico and the wider Latam region—we built tools to manage energy efficiency, which is a vital concern for high-volume users.

Q: What is the company's focus in the Latin American market? What role does it play within the company's global strategy? 

A: Latin America is one of the key focus regions of our global go-to-market strategy. We currently maintain a specialized team covering Brazil and the rest of the Latin American market, including Mexico. The speed of digital asset adoption in these territories is remarkable, particularly regarding stablecoins, which solve day-to-day challenges where traditional banking services are limited. We view stablecoins as a way to overcome long-standing barriers to financial access, allowing entities to establish modern financial services in minutes rather than years. 

We participate in events like Mexico Fintech Week and our partnerships with local Over-the-Counter (OTC) desks, that is how invested we are in it. To support this growth, we have ensured that our sales and customer success teams provide native support in Spanish and Portuguese, reflecting the importance of this market to our long-term success.

Q: How would you describe Utila's Stablecoin Infrastructure division? What benefits does it bring to your customers? 

A: When Fintechs or PSPs enter the stablecoin space, they typically require wallets, compliance tools for Anti-Money Laundering (AML) and the Travel Rule, liquidity, and proper licensing. Many firms initially choose "black box" providers that bundle these services, but this often results in thin margins and a lack of control over their own stack.

Our Stablecoin Infrastructure division is built on the philosophy that as transaction volumes grow, businesses should own and control their quality infrastructure. By moving deeper into the technology stack with Utila, our clients can work directly with various liquidity providers and off-ramps, thereby increasing their margins and gaining the operational flexibility necessary to scale. 

Q: The platform is agnostic and supports over 100 blockchains. Technically, how does Utila solve the complexity of reconciling data and workflows across networks to ensure unified, audit-ready visibility? 

A: We have moved beyond being just a wallet provider to become a full operational platform by building tools that normalize data across disparate networks. Our core offering includes a policy engine that manages organizational roles, permissions, and approval flows, alongside features for monitoring balances and transactions in real time.

We enable our clients to reconcile information not only across different blockchains but also across various versions of assets and even Centralized Exchange (CEX) accounts, such as Binance, OKX, and Kraken. By integrating these external accounts into the Utila interface, we provide a unified view of all holdings and activities, ensuring that complex multi-chain operations remain transparent, manageable, and fully prepared for financial audits.

Q: Historically, security in digital assets has depended on a "private key" that acts as a unique and vulnerable code, where any error or theft results in an irreversible loss. From Utila's perspective, how has the Multi-Party Computation (MPC) model addressed these traditional challenges? 

A: Multi-Party Computation (MPC) provides military-grade security by ensuring that a full private key never exists in a single location at any point in time.

In the digital asset world, human error is the most significant risk; a single mistake can lead to the total loss of assets. By splitting the secret among multiple parties, we ensure that even if one component is compromised, the assets remain secure. This architecture makes it virtually impossible for an attacker to expose the key.

Furthermore, unlike smart contract-based solutions like multi-signature wallets, MPC is an off-chain mechanism. This makes it the ideal approach for a multi-chain environment, as it allows organizations to use a single, unified security infrastructure for various networks like Tron, Solana, and EVM chains, rather than managing fragmented and complex setups for each specific blockchain.

Q: With an eye on 2026, what digital maturity factors are dictating Utila's expansion roadmap in the Latin American market? 

A: We are currently witnessing a transition from the "builder" phase to the "adopter" phase in the Latam region. Previously, the market was dominated by crypto-native players; however, we are now seeing traditional banks and the largest Fintech firms in the region beginning to integrate stablecoins into their service offerings. This shift toward institutional adoption is the primary factor driving our roadmap.

Our expansion is focused on serving these established organizations as they move away from experimental projects toward full-scale digital asset implementations. We anticipate that this vertical will be our main engine of growth in the coming year as stablecoins become a standard component of the regional financial ecosystem.