World App has introduced virtual bank accounts in the U.S., enabling users to receive direct deposits and convert them into USDC without incurring gas fees. Partnering with a Kansas City-based bank, the platform has expanded to 33 million global users, with 15 million verified through biometric iris scanning. This initiative aims to facilitate low-cost, fast cross-border transactions by integrating stablecoins, bridging traditional finance with decentralized finance (DeFi). The platform supports a mini-program ecosystem with over 150 apps and a verified-only messaging feature. Regulatory developments, such as the U.S. Genius Act and the EU’s MiCA, have increased institutional confidence in stablecoin adoption, with 86% of companies reporting infrastructure readiness. However, World App faces regulatory challenges, particularly in Kenya, where biometric data collection has been suspended due to privacy concerns.