1Money and M0 Launch Regulated Stablecoin Service for Enterprises

NEW YORK, NY – January 27, 2026 – Stablecoin infrastructure company 1Money announced today the launch of “1Money Issuance,” a new service that enables fintechs and enterprises to issue their own custom, fully-reserved digital dollars. The offering is powered by M0, a universal platform for stablecoin development, in a move aimed at accelerating the adoption of regulated digital assets.

The new partnership provides businesses with the infrastructure to create and integrate customized stablecoins at scale, backed by 1Money’s extensive regulatory foundation. This initiative seeks to solve a critical challenge for institutions that have been hesitant to enter the digital asset space due to regulatory uncertainty and a lack of operational control.

“Enterprises want stablecoins, but they want them with regulatory clarity, banking access, and operational control,” said Brian Shroder, Co-Founder and CEO of 1Money, in the announcement. “Building our issuance capabilities powered by M0 technology lets us deliver all three, without forcing clients into closed ecosystems or single-provider risk. We're bringing extensive U.S. licensing to a platform designed for competition, interoperability, and choice.”

A New Chapter in Compliance for Digital Assets

The move by 1Money signals a significant maturation in the digital asset market, where the early era of uninhibited growth is steadily being replaced by a demand for trust, transparency, and regulatory adherence. 1Money has strategically positioned itself as a leader in this compliance-first approach, having secured 34 U.S. Money Transmitter Licenses (MTLs) and registration as a Money Services Business (MSB) with the Financial Crimes Enforcement Network (FinCEN). These licenses are not trivial; they require stringent financial audits, robust Anti-Money Laundering (AML) programs, and adherence to Know Your Customer (KYC) protocols, placing a company under direct regulatory supervision.

While impressive, 1Money’s licensing footprint enters a competitive field. Circle, the issuer of USDC, boasts licenses in 46 states and the highly-coveted BitLicense from the New York State Department of Financial Services (NYDFS). Meanwhile, Paxos operates as a regulated trust company under a charter from the same New York regulator. By securing its extensive MTL portfolio, 1Money joins this class of highly regulated players, creating a clear distinction from providers like Tether (USDT), which has faced persistent regulatory scrutiny and questions regarding its reserves.

The timing of this launch is particularly notable. It follows the passage of the landmark GENIUS Act in July 2025, which established the first comprehensive federal regulatory framework for stablecoins in the United States. The act’s mandates for 1:1 backing with high-quality reserves and monthly reporting have provided a new layer of institutional confidence. 1Money's offering appears tailor-made for this new, clearer regulatory environment.

This compliance-centric strategy is heavily influenced by its leadership. CEO Brian Shroder’s resume includes executive roles at high-growth tech firm Uber, Chinese fintech giant Ant Group, and, most recently, as CEO of Binance.US. This background provides a unique perspective on navigating complex regulatory landscapes while scaling technology platforms, a combination of skills that directly informs 1Money’s mission to de-risk stablecoin adoption for enterprises.

An Operating System for Interoperable Money

Beyond compliance, the partnership is a significant technological play centered on fostering an open and competitive ecosystem. M0 is positioned not merely as a service provider but as a “universal stablecoin platform”—a foundational digital money operating system. Its core function is to provide standardized, interoperable technology that prevents developers and businesses from being locked into a single, proprietary network.

Under this model, M0 supplies the underlying technological standards, while regulated issuers like 1Money build services on top. This allows application developers—the press release names MetaMask, Kast, and Noble as examples—to build on M0’s standards with the assurance that they can seamlessly work with any issuer using the M0 technology stack.

“To unlock the next phase of digital money, the industry needs a rich ecosystem of trusted service providers that can offer reliable, interoperable digital money infrastructure for application developers,” said Luca Prosperi, CEO of M0. “When 1Money integrates with M0’s digital money operating system, it combines regulatory depth and operational maturity with standard, interoperable technology, giving fintech builders exactly what they need.”

This “Issuance-as-a-Service” model abstracts away the immense complexity of building and maintaining a compliant issuance framework. It allows a fintech startup focused on global remittances or a large enterprise optimizing its treasury operations to focus on its core product, leaving the backend issuance and regulatory heavy lifting to a specialized partner like 1Money.

Challenging the Stablecoin Establishment

The launch of “1Money Issuance” is a clear shot across the bow of the established stablecoin hierarchy. For years, the market has been dominated by a handful of large, general-purpose stablecoins. However, as enterprise use cases become more sophisticated, the demand is shifting from simply having a stablecoin to having the right stablecoin—one that is tailored for a specific purpose and backed by unimpeachable regulatory standing.

The Stablecoin-as-a-Service (SCaaS) market is heating up, with companies like BitGo, Stably, and Zero Hash also offering turnkey solutions for brands to launch their own digital currencies. 1Money’s strategy is to differentiate itself with a powerful two-pronged value proposition: its deep, verifiable regulatory footprint combined with the open, interoperable technology provided by M0.

This combination is designed to attract a specific and valuable market segment: enterprises and fintech builders who have thus far remained on the sidelines, wary of the reputational and legal risks associated with the first generation of stablecoins. The real-world demand is already evident, with major financial players like Visa using USDC for payment settlements and companies leveraging stablecoins for faster, cheaper cross-border payroll. By providing a more customizable, compliant, and open framework, 1Money and M0 are betting they can unlock the next wave of these applications at an even greater scale.

The collaboration signifies a pivotal moment in the evolution of digital currency, marking a clear transition from monolithic, one-size-fits-all stablecoins toward a diverse and interconnected ecosystem of custom, regulated digital assets. By addressing the primary institutional barriers of regulatory risk and technical fragmentation, this partnership provides a compelling template for the future. As businesses worldwide increasingly look to integrate blockchain technology into their core operations, platforms that deliver both regulatory certainty and technological flexibility will be positioned to lead the next phase of financial innovation.