Interactive Brokers Now Accepts Stablecoin Deposits for U.S. Retail Clients
Interactive Brokers has started allowing U.S. retail clients to fund their individual brokerage accounts using stablecoins through transfers from personal crypto wallets. This service is powered by Zerohash and is currently offered for USDC stablecoin deposits. The rollout is phased and depends on account type, jurisdiction, and regulatory requirements. Additionally, USDC deposits are available to a broader global user base with automatic conversion to USD upon arrival.
The new deposit method offers faster and more flexible funding compared to traditional banking rails, which benefits active traders. Clients can initiate deposits through the Client Portal by selecting Transfer & Pay, then Deposit Funds, followed by Fund with Stablecoin. They must choose the network (Ethereum, Solana, or Base) to receive a wallet address and QR code from Zerohash. It is important that the network matches the transfer to avoid rejection or loss of funds.
There are several constraints on deposits: a $10 minimum per transfer, a $25,000 per-transaction cap, a $25,000 daily limit, and a $100,000 monthly limit. Currently, only USDC is supported. No deposit fee is charged; however, blockchain gas fees apply. Zerohash applies a 0.3% conversion fee with a $1 minimum. Most deposits are credited within minutes after blockchain confirmation. Clients can refer to the stablecoin deposit FAQ for any issues.
