The dollar account you actually own.
Get paid from anywhere.
Keep it private.
Accept and pay across 20+ chains and 200+ assets — or by card and bank. It all settles as a single dollar balance only you control, and your treasury, balances, and counterparties stay private by default.
Live on web, iOS, and Android. Create an account in minutes with Google, email, or passkey. No seed phrase.
Your money, at a glance
Live on web, iOS, and Android. Create an account in minutes with Google, email, or passkey. No seed phrase.
- 20+ chains
- 200+ assets
- Private by default
- Self-custodied dollars
- Earn on idle cash
- Web, iOS & Android
Not a bank that holds your money. Not a wallet you can lose.
Your dollars are fully-backed USDC in a smart account only you control — shown to you as plain $. We're software, not a custodian, so we can't move, freeze, or lend your money. And there's no seed phrase to lose.
Fully-backed dollars
Your balance is fully-backed USDC held in a smart account only you control — shown to you as plain $.
We can't touch it
We're software, not a custodian. We can't move, freeze, or lend your money — and it stays yours even if we disappear.
Recover — no seed phrase
Sign in with Google or a passkey. Lose your device and you recover access; there's nothing to write down and lose.
Get paid from anywhere — without exposing a thing.
Share one payment link, or your @name. Clients pay across 20+ chains and 200+ assets, or by card and bank — and it all lands as private dollars. They see a request, never your address, your balance, or who else pays you.
They pay however they want
Across 20+ chains and 200+ assets, or by card and bank transfer. No account and no crypto know-how needed on their side.
You receive dollars
Whatever they send settles as one clean dollar balance you control — no networks, tokens, or gas to manage.
Your treasury stays private
Payers see only what they owe — never your address, your balance, or who else pays you.
Confidential settlement powered by NEAR Intents — 20+ chains, 200+ assets.
Pay anyone, anywhere — or just by name.
Send to any wallet across 20+ chains and 200+ assets, pay a saved contact, or pay by @name — directly or confidentially, so the recipient never sees your address. Cash out to your bank whenever you want.
Pay anywhere
Send to any wallet across 20+ chains and 200+ assets — or pay a saved contact — from one dollar balance.
Or just by name
Claim your @name and pay other StableAccount users by name instead of a 42-character address.
Private, and cash-out ready
Confidential payouts so recipients never see your address — and cash out to your bank whenever you want.
Send money
To
Amount
Settles as dollars — they never see your address.
Put idle dollars to work.
Move spare balance into vetted, audited lending vaults and earn a market yield on dollars that would otherwise sit still. Withdraw back to your spendable balance any time — no lock-ups, no bridging, no gas to manage.
Put idle dollars to work
Move spare balance into vetted, audited lending vaults in a couple of taps — no bridging, no gas to manage.
Withdraw anytime
No lock-ups and no notice periods. Pull your dollars back to your spendable balance whenever you need them.
Live, transparent rates
See each vault's deposits, available liquidity, and current yield before you move a single dollar.
Non-custodial — your funds stay in your own account. Rates and deposits are shown live for every vault.
Solo, or running a team?
Same account. Same dollars you own. Pick the path built for how you work — nothing's hidden, each card just jumps you to your proof.
A private dollar account — for you, not a company.
Freelancers, contractors, and creators paid by clients anywhere. Get a dollar account you own, get paid by @name, keep your balance private, and earn on idle cash — no business entity, no bank branch, no crypto to learn.
What you get:
- No business entity required
- Private by default — clients see your name, not your finances
- Get paid from anywhere; cash out to your bank
- Start free, and earn on what you're not spending
Run the whole team's money — with the controls to match.
Roles for everyone, approvals that gate every payment, shared accounts that need several signatures, payroll in one payment, and a separate account per entity — all self-custodial, so you never give up ownership.
Roles & permissions
Owner, admin, finance, accountant, and viewer — plus custom roles. Everyone gets exactly the access they need.
Shared (multisig) accounts
Require several signatures before any payment moves — and keep money moving even when a signer is away.
Payroll in one payment
Pay a hundred people at once, by @name or wallet address, with the fee shown up front in dollars.
Spend with a card
Issue a virtual Mastercard funded from your balance — add it to Apple Pay or Google Pay and spend anywhere, with every charge on your books.
One login, many accounts
A separate, fully-isolated account per entity, jurisdiction, or currency — each with its own team and books.
Automations & rules
Approval thresholds, large-payment alerts, and monthly reports that run on their own.
Accountant views, never moves
Your accountant gets full records and reports with zero ability to move money.
StableAccount is self-custodial — you always control your funds. It is not a bank.
Every payment comes accountant-ready.
StableAccount captures the FX rate, invoice, counterparty, and business purpose at the moment money moves — then hands your accountant clean statements, reports, and exports. They see everything, and touch nothing.
Review & report
Full visibility into records
No fund access
Cannot move your money
You keep control of funds. Your accountant gets the information they need.
What your accountant gets:
- Every payment arrives with its FX rate, invoice, counterparty, and business purpose already captured
- See exactly what's missing before month-end
- Generate statements, evidence packages, and period reports
- Export ERP-ready CSV / PDF files
- For accounting firms: one login, many client businesses, multi-currency
- Full visibility, zero ability to move money
Built to be trusted with real money.
Recover — without a seed phrase.
Sign in with Google or a passkey. Lose your device and you recover access — there's nothing to scribble on paper and lose.
You set the approvals.
Thresholds and multi-signer approvals you configure gate every payment — safety for you, not a back door for us.
Fully-backed, and yours.
Your dollars are fully-backed USDC in an account only you control — recoverable even if StableAccount goes away.
Not a bank. Not a wallet.
A bank can hold and freeze your money; a public wallet has no roles and no books. We're the account in between.
Self-custodied
Only you can move funds
Recoverable
No seed phrase to lose
Fully-backed
USDC reserves
Private
Confidential by default
Start free. Upgrade when you grow.
Free forever for individuals — no card. Solo and Business plans for teams and accountants. Shown in € (with $ and zł on the page), plus a network fee of just 0.4% on confidential volume above your plan's allowance — never on what's included.
Free
Freelancers and every founder at first touch
€0 forever
Get started- Get paid by link, @name, card, or bank
- One dollar account, fully yours
- Clean records + monthly reports
- A taste of confidential payments
Solo
One person who's outgrown the free caps
€19 /mo
Get started- Everything in Free
- Higher volume limits
- Full confidential payments
- Earn on idle cash
- Cash out to your bank
Business
Teams that move money together
€49 /mo
Get started- Everything in Solo
- Team roles & approvals
- Shared (multisig) accounts
- Payroll in one payment
- Accountant workspace
Enterprise
Multi-entity and treasury-scale — custom limits, API access, and dedicated onboarding.
Frequently asked questions
Everything you need to know about how StableAccount works.
Still have questions? Get in touch →
Is StableAccount custodial?
No. StableAccount is designed as a self-custodied business account experience. Your business keeps control of its funds.
Is StableAccount a crypto exchange?
No. StableAccount is not an exchange. It helps businesses receive, send, record, and report stablecoin operations. Conversion or settlement services can be provided through integrated third-party providers where supported.
Does StableAccount calculate my taxes?
StableAccount prepares accountant-ready records, FX data, evidence, and reports. It does not replace your accountant or tax advisor.
Can my accountant move funds?
No. Accountant access is designed for review, reports, exports, and document requests. Your accountant does not need permission to move funds.
What currency is my balance in?
Your account holds a single dollar balance. Under the hood it's fully-backed stablecoin (USDC) that you self-custody, but the app shows plain dollars — no networks, tokens, or gas to manage. Deposits from other tokens or chains are converted automatically.
What if I lose access, a signer leaves, or StableAccount goes away?
You recover access with a passkey or social login — there's no seed phrase to lose. On shared accounts, you configure enough approvers that money keeps moving if one is unavailable. And because your funds are self-custodied and fully-backed, they stay yours and recoverable even if StableAccount disappears.
How does paying by name work?
When you open an account you can claim a unique @username that maps to your account. Other StableAccount users can then pay you by name instead of copying a wallet address, and you can save your own counterparties by @username too.
Can I earn on my balance?
Yes. With Earn you can move idle dollars into vetted, audited lending vaults and withdraw back to your spendable balance at any time — no lock-ups. You can see each vault's deposits, liquidity, and current yield before you move anything.
Can I move money to my bank?
Yes. You can add dollars from a card or bank transfer, and cash out from your balance to your bank through integrated third-party providers where supported.
Who is StableAccount for?
StableAccount is built for businesses that receive stablecoins, pay contractors or vendors, keep part of treasury on-chain, and need clean accounting records.
Can clients pay using different tokens or networks?
Where supported through integrated payment flows, payers can use supported tokens and networks while your business receives the stablecoin selected in your account settings.
What reports can I generate?
You can generate operation statements, balance statements, period reports, transaction evidence, accountant reports, and export-ready files.
Can I have more than one account?
Yes. One login can open unlimited accounts — one per legal entity, jurisdiction, or currency. Each account is fully isolated, with its own balance, team, books, and settings.
Can I require approvals before money moves?
Yes. A Shared account can require approval from several signers before a payment is sent. A payment is proposed, the required signers approve it, and only then is it released — while your accountant stays view-only.
Open the dollar account you actually own.
Get paid and pay across 20+ chains and 200+ assets, keep your treasury private, and earn on idle cash — free to start, in under a minute.
Create your account in minutes — Google, email, or passkey. No seed phrase.