Up to 5%
Card interchange rate on government transactions. For every $1 million in resident payments, up to $50,000 disappears before it reaches public programs.
How Wyoming built a payment system that funds public schools.
Most states spend money on payments and get nothing back. Wyoming built a system where the payment infrastructure itself generates income, and that income flows directly to public schools.
GovernmentStablecoinSchool Funding
The Hidden Cost
Public money that never reaches public goals.
Every time a resident pays a government fee by credit card, up to five cents on the dollar goes to a bank. Not to a road. Not to a school. Not to a first responder. Wyoming is closing that gap.
$70k
Lost by one county in one year. Converse County paid $70,000 in processing fees on $3.4 million in payments in 2024. Scale that statewide and the number compounds fast.
~$0.001
Cost per transaction on FRNT rails. The interchange problem does not have to be accepted. Wyoming proved it can be solved.
AvaCloud Solved the Problem
A payment system that funds schools.
In 2023, Wyoming lawmakers created the Wyoming Stable Token Commission with a clear mandate: build a state-issued digital dollar and direct the income it generates toward funding public schools.
FRNT is backed 102 percent by U.S. dollars and short-term Treasuries. Those reserves earn interest. That interest flows back to the state, with a portion earmarked for education funding.
For the first time, Wyoming's payment infrastructure is not just a cost center. It is a source of public value, one that grows every time a resident, vendor, or agency chooses FRNT over a card.
"Governments should not only regulate innovation. They should build it.", Anthony Apollo, Executive Director, Wyoming Stable Token Commission
Results
What Wyoming's model actually delivered.
These are not projections. They are live results from production infrastructure deployed in Wyoming in January 2026, alongside a cost comparison for any state considering building the same capabilities internally.
Contractor payment timeline
From 45 days to 2 sec
Settlement errors recorded
Zero
Transaction cost vs. card interchange
~$0.001
Infrastructure cost vs. internal build
70 to 85% lower
Annual DevOps savings vs. internal
$400k to $600k
Time to production vs. internal build
6 to 12 mo. faster
Your state could be doing the same thing.
Wyoming proved the model works. Faster contractor payments. Lower fees. Schools funded by the payment infrastructure itself. AvaCloud handled the operations. Wyoming kept full control. The same deployment is available to any government ready to stop accepting a payment system designed in 1978.