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Introduction

What is StableAccount

A non-custodial US-dollar operating account for modern business — hold and move dollars globally. Your money stays in an account only you can open, not in a…

A non-custodial US-dollar operating account for modern business — hold and move dollars globally. Your money stays in an account only you can open, not in a bank and not with us.

StableAccount is a dollar account you control yourself, built on stablecoins (USDC). You hold and move US dollars the way you’d expect from a modern business account — send and receive by name, run payroll, put idle cash to work, and export accountant-ready records — while the funds stay in accounts you control, not ours.

Self-custody, in plain terms. Your dollars sit in an account that only you can authorize through your login — StableAccount cannot move, lend out, or take custody of your money, and you are responsible for keeping access to it. A stablecoin like USDC is a digital dollar designed to always be worth about $1.

The app abstracts the underlying crypto away: you see one dollar balance (”$”), pay and get paid by @handle (a simple username, like @acme-books, instead of a long wallet address), and never touch networks, tokens, or gas directly. StableAccount is the software interface; it never holds your funds or your keys.

What StableAccount is (and isn’t). StableAccount is designed to operate as a software interface and non-custodial technology provider. On that basis, StableAccount does not consider itself to be a bank, a money transmitter that holds your funds, a broker-dealer, or an investment adviser — but this is StableAccount’s characterization of its own activity, not a determination binding on any regulator, and the regulatory treatment of non-custodial software is evolving. It never custodies your money or your keys. Balances are not deposits and are not insured or guaranteed by any government or deposit-insurance scheme — no such scheme applies because your balance is a self-custodied stablecoin holding, not a bank deposit, and you may lose some or all of your funds. Identity checks and fiat rails are run by third-party providers under their own licenses and terms. Nothing here is legal, tax, or investment advice, and availability varies by jurisdiction. See Money & fees, Compliance & risk, and Security for the full picture.

Who it’s for

  • SMB owners & CFOs — a global dollar operating account for paying suppliers, running payroll, and keeping clean books, without opening a foreign bank account.
  • Accounting firms — manage multiple client accounts, capture every movement as a structured record, and export full accountant packages with FX at daily-close reference rates.
  • Individuals — hold and move dollars globally, pay people by name, and put idle balances to work through Earn (variable, not guaranteed, uninsured — you bear the risk), with access under your control.

Why StableAccount

  1. Self-custody by design. Your dollars live in your own accounts and, if you choose Earn, in third-party protocols you deposit into directly (your position, not the protocol, is under your control). StableAccount never holds your funds or your keys, so StableAccount itself does not lend out, rehypothecate, or take custody of your balance. This does not mean your funds are risk-free: access can still be affected by third-party providers, network conditions, sanctions/compliance screening at fiat partners, or your loss of credentials, and funds can be lost to smart-contract failure or stablecoin depeg. See Security.

  2. Dollars that move like software. Send and receive globally, typically within minutes, by @handle or by link. Settlement times are not guaranteed and depend on network conditions and third-party infrastructure. Most payments settle directly; when a payment needs to cross networks, StableAccount handles that automatically behind the scenes. See Send & receive.

  3. No crypto to learn. One ”$” balance, payments by name, and gas always paid in USDC — you never hold ETH, pick a network, or manage tokens. See How it works and Chain & asset abstraction.

  4. Books that close themselves. Every movement becomes a structured, accountant-ready record with business purpose, counterparty, FX, and attached evidence — exportable in the formats your accountant already uses. These outputs are tools to assist you and your accountant, are user-editable, and are not guaranteed to satisfy the bookkeeping or tax rules of any jurisdiction. See Accounting & reports.

  5. Controls for real teams. Multi-signature accounts, roles and custom permissions, and shared payment runs give finance teams and firms the approvals and separation of duties they need. See Multisig and Teams & roles.

  6. Put idle dollars to work. Deposit spare USDC into third-party lending vaults and withdraw subject to available liquidity. Yield is live, variable, and never guaranteed — this is not a deposit and carries no insurance. See Earn.

Features at a glance

  • Send & receive — Pay any supported recipient by @handle, wallet address, or from other stablecoins and networks, with routing handled automatically. Get paid by @handle, address, or a shareable payment link — depending on availability, the payer can use a supported stablecoin, card, or bank, and where the route completes it settles in your account as ”$”.
  • Chain & asset abstraction — One dollar balance, held as USDC on Base, so you manage money, not networks.
  • Earn — Deposit idle USDC into third-party lending vaults on Base and withdraw subject to available liquidity, non-custodially. APY is live and variable, yield is not guaranteed, and this is not an insured deposit product.
  • Multi-signature accounts — Open a Gnosis Safe multisig account, invite co-signers by @handle, and require M-of-N approvals before a transaction executes — with the same send, receive, payroll, and earn features.
  • Payroll — Pay many recipients at once, each on their preferred network and token, from your account or a multisig, and save reusable payment runs for next time.
  • Accounting & reports — Turn every transaction into an accountant-ready record and export transaction, income, expense, payroll, FX, evidence, and full accountant-package reports as PDF, XLSX, CSV, JSON, or ZIP — per account or across accounts.
  • Convert to fiat — Cash dollars out to a bank account or card through a third-party provider when you need money in your local currency.
  • Teams & roles — Invite teammates as owner, admin, finance, accountant, or viewer, with custom permission sets for finer control.
  • PWA — Install StableAccount on any device today, with native mobile apps on the roadmap.

New to the terms above? See the Glossary for plain-English definitions of self-custody, stablecoin, network (chain), gas, on-ramp, and more.

Ready to start?

Head to Getting started to sign in, claim your @handle, and add your first dollars. To understand the mechanics underneath, read How it works.