How it works

StableAccount lets you hold and move dollars the way a modern business account should — while your money stays in your own control, not ours. Under the hood it uses stablecoins and a modern account type called a smart account (explained below); on the surface you see one dollar balance and pay people by @handle. This page explains exactly how it works.

Unfamiliar with a term? The Glossary defines stablecoin, network (chain), gas, smart account, on-ramp, and the rest in one place.

One dollar balance

Your account shows a single balance in dollars: ”$”. That balance is denominated in USDC — a US-dollar stablecoin issued by Circle and designed to track approximately 1 US dollar in value. You don’t manage tokens, networks, or wallets by hand. You see dollars, you send dollars, you receive dollars.

Behind that single number, StableAccount handles the blockchain mechanics — which network a balance sits on, how a transfer is routed, and how network fees are paid — so you never have to. See Chain & asset abstraction.

USDC is intended to track approximately 1 USD (issued by Circle), but this is a design target, not a guarantee. StableAccount does not issue USDC, does not guarantee its value or its redeemability, and any direct redemption with the issuer is governed by Circle’s own terms and eligibility. Depeg risk exists. See Money & fees and Compliance & risk.

Sign in with Privy — non-custodial keys

You sign in with your email or a social login through Privy. Privy provisions an embedded wallet for you and manages the underlying cryptographic key material within its infrastructure so that transactions can only be authorized through your login. StableAccount never holds, stores, or has access to your funds or your keys.

Key management is provided by Privy under its own terms; the security of your account depends on the security of your login method and of Privy’s infrastructure. This model is designed to be non-custodial as to StableAccount — meaning StableAccount cannot move your funds on your behalf. Your dollars live in an account that only you can authorize, not in a StableAccount treasury. Read the full detail on Security.

Your smart account

Each StableAccount is a smart account — a programmable account (rather than a plain wallet) that makes the friendly features possible: paying by @handle, paying gas in dollars, batching a whole payroll run into one step, and multi-signature approvals. (Technically it’s an ERC-4337 smart account built on ZeroDev Kernel, controlled via your Privy wallet.)

Network fees (“gas”) are always paid in dollars

Every blockchain transaction normally requires a network fee (“gas”), usually paid in a network’s native token like ETH. StableAccount removes that entirely: gas is always paid in USDC through a paymaster (Pimlico / ZeroDev). You never need to hold ETH or any other gas token. The small network cost simply comes out of your dollars. See Money & fees.

Supported network and asset

• Network: Base — your balance’s settlement network.
• Asset: USDC.

Deposits in other stablecoins or on other networks are converted automatically to your Base USDC balance. You experience all of this as one ”$” balance. StableAccount’s chain & asset abstraction keeps the underlying network and token out of your way.

The third parties that power it

StableAccount is an interface that coordinates specialized, independent providers. Each does one job:

Each provider is independent and governed by its own terms. See Third parties for the full disclosure and what each means for you.

Next steps

• New here? Go to Getting started.
• Want to move money? See Send & receive.
• Curious about safety? Read Security.