This is the layer that hides all the blockchain machinery so StableAccount feels like a normal dollar account.
One balance, not a scattered pile of coins on different networks
- You hold one ”$” balance — no networks, tokens, or gas to think about.
- Your home balance is USDC on Base, and everything is shown to you as a single dollar figure.
- Deposits in other stablecoins or on other networks are converted automatically to your Base USDC balance.
What happens when you move money
When you send or receive, StableAccount decides the path for you:
- Direct transfer — if the other side is already on your balance’s network in USDC, it settles directly.
- Automatic routing — if the other side is elsewhere, StableAccount routes it automatically via NEAR Intents / 1Click, which swaps and settles for you.
- Gas always paid in USDC — via the paymaster (Pimlico / ZeroDev), so you never need ETH or any native gas token.
You never choose a network, bridge tokens, or buy gas. The abstraction handles it.
What this makes possible
Because networks and tokens are abstracted away:
- You pay and get paid by @handle or link.
- You run payroll where each recipient gets paid the way they prefer.
- You keep clean books in one currency view.
Costs and caveats
- Cross-network and cross-token routing carries a solver spread (the cost of swapping/settling across networks). See Money & fees.
- Balances are held in USDC, which is intended to track ~$1 (issued by Circle) but carries depeg risk. See Compliance & risk.
- Network conditions, routing availability, and price movement during a swap (slippage) can affect whether, when, and at what price a cross-network transaction settles; routing can fail or return funds.
Related
- How it works — the account, keys, gas, and networks.
- Send & receive — the routing in action.
- Third parties — who provides the routing.