Citi and Coinbase announced an expanded partnership on September 28, 2026 that ties stablecoin payments to the accounts of a global bank. Two building blocks sit inside it: Coinbase will run its new payment accounts on Citi's Virtual Account Wallet, and Citi's institutional clients will be able to accept stablecoins through Spring by Citi, the bank's payments platform, without holding one themselves. Both launch in the United States first. Not a single buying route changes for you in Europe — but the picture of where stablecoins will sit in payments two years from now does, and so do the questions you already have to answer about your own balance today.