Minnesota’s SCFCU Reveals Game-Changing Cloud Dollar Stablecoin for 2025 Launch

Minnesota's financial landscape just got a digital upgrade—SCFCU drops bombshell stablecoin announcement set to shake traditional banking foundations.

Cloud Dollar: The Credit Union Crypto Revolution

Forget waiting on slow-moving legacy institutions. SCFCU cuts through regulatory red tape with a dollar-pegged digital asset designed for real-world utility. No speculative volatility—just pure transactional power backed by actual reserves.

2025 Launch Timeline: Strategic Precision

The credit union bypasses rushed deployments, opting for meticulous regulatory compliance and infrastructure testing. They're building for longevity, not hype-cycle momentum.

Midwest Meets Modern Finance

While Wall Street debates theoretical CBDCs, Minnesota credit unions actually deploy functional solutions. Because sometimes innovation happens where nobody's looking—unless you count the cornfields.

Traditional bankers will call this disruptive. Members will call it convenient. The rest of us just wonder why it took credit unions—not megabanks—to finally bridge traditional finance with digital asset practicality. Maybe because they actually serve people instead of shareholders?

TLDR

• St. Cloud Financial Credit Union (SCFCU) in Minnesota plans to launch its own stablecoin, Cloud Dollar (CLDUSD), by Q4 2025.
• SCFCU’s stablecoin will be issued on the Metal Blockchain and integrated with the credit union’s banking system using DaLand CUSO’s Coin2Core software.
• The launch aims to lower transaction fees compared to traditional card networks while improving payment efficiency for members and institutions.
• SCFCU’s Cloud Dollar will serve as a model for other regulated institutions looking to adopt blockchain-based payment solutions.
• This move positions SCFCU as the first U.S. credit union to introduce a stablecoin, highlighting its leadership in blockchain adoption in the banking industry.

St. Cloud Financial Credit Union (SCFCU), based in Minnesota, will release a proprietary stablecoin by Q4 2025. The digital currency, Cloud Dollar (CLDUSD), will be the first stablecoin launched by a U.S. credit union. This MOVE places SCFCU at the forefront of integrating traditional banking with digital currency solutions. The stablecoin will be issued on the Metal Blockchain and integrated with SCFCU’s banking system.

SCFCU Partners with Metallicus for Cloud Dollar

The Minnesota-based credit union has partnered with blockchain firm Metallicus and fintech company DaLand CUSO for the project. SCFCU will use DaLand CUSO’s Coin2Core software to integrate the stablecoin into its banking system. Officials expect the Cloud Dollar to provide lower transaction fees compared to traditional card networks.

“We’re readying our shop for on-chain money movement, at a fraction of card-network fees,” said Chase Larson, EVP/CLO at SCFCU.

This collaboration will enable SCFCU to offer faster and more efficient payments for members and institutions. It will also streamline merchant payouts and peer-to-peer transactions. According to Larson, the project aligns with SCFCU’s goal to bring modern fintech solutions to its members. This stablecoin will set a new standard in the U.S. financial industry.

Credit Unions Urged to Embrace Digital Assets

SCFCU’s stablecoin launch signals a major shift in the intersection of traditional banking and blockchain technology. The credit union aims to tap into the rapidly growing $270 billion stablecoin market. Jeff Levesque, CEO of DaLand CUSO, emphasized the importance of trusted organizations handling digital assets safely.

“Credit unions can’t afford to watch digital assets evolve without them,” he said.

The launch could inspire other smaller, regulated institutions to explore blockchain-based solutions for payments. It represents a significant step in bridging the gap between traditional financial systems and the evolving digital asset ecosystem.