Skip to content

Features

Cards

Spend your dollar balance anywhere with a virtual card — in Apple Pay or Google Pay.

Spend your dollar balance anywhere with a virtual card — in Apple Pay or Google Pay.

What it is

A virtual Mastercard you fund from your StableAccount dollar balance and use to pay online or in stores. Add it to Apple Pay or Google Pay and it works anywhere Mastercard is accepted. Every charge lands back in your account as a normal transaction, so card spend stays on your books like everything else.

The card is issued through a regulated third-party card program — the same way almost every fintech card is issued. Money you load onto the card moves to that program to settle your purchases (see Custody below).

How it works, step by step

  1. Verify your identity once. Card networks require a one-time identity check (KYC) before a card can be issued. You do this from the Cards tab.
  2. Issue the card. You get a virtual Mastercard — a card number, expiry, and CVV you can reveal securely in the app.
  3. Load it from your balance. Move dollars from your account onto the card; move them back to your balance whenever you want.
  4. Add it to your wallet. Add the card to Apple Pay or Google Pay and tap to pay, or use the card number online.
  5. Track every charge. Purchases, refunds, and fees appear in your transactions and records automatically.

What you can do

  • Spend anywhere Mastercard is accepted — online or in-store via Apple/Google Pay.
  • Top up and unload — move money on and off the card in seconds.
  • Freeze / unfreeze the card instantly.
  • Reveal details (number, expiry, CVV) securely when you need them.
  • Keep the books clean — card activity is captured for accounting & reports like any other movement.

Custody — read this

StableAccount itself is self-custodial: you always control the dollars in your account. A card is the exception by design. To settle real-world purchases, the dollars you load onto the card are held by the card program’s issuer — a regulated third party — not in your self-custodial account. This is how every prepaid/debit card works.

In practice: keep on the card only what you plan to spend, and keep the rest in your self-custodial balance (where you can also earn on it). You can move money back off the card to your balance at any time.

Card issuance, funding, and transactions carry fees set by the card program — these are shown in the app before you confirm. See Money & fees.

  • Send & receive — move dollars in and out of your account.
  • Convert to fiat — cash out to a bank instead of spending on a card.
  • Security — how your account and keys are protected.