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Features

Send & receive

Move dollars to almost any supported recipient, and get paid as "\$" no matter how the payer holds money.

Move dollars to almost any supported recipient, and get paid as ”$” no matter how the payer holds money.

Send

Pay any supported recipient, however they hold value.

You can send to:

  • a @handle,
  • a wallet address, or
  • a recipient on a different network or in a different token, via smart routing.

How it settles, step by step:

  1. Enter the recipient (@handle or address) and the dollar amount.
  2. Instant, same-network transfers — if you and the recipient are both holding USDC on the same network, the transfer settles directly on-chain, subject to network confirmation (the fastest, cheapest path).
  3. Different network or token — if the recipient wants funds on another network or as a different token, StableAccount routes it automatically using NEAR Intents / 1Click, which swaps and settles across networks for you. See Chain & asset abstraction.
  4. Gas is paid in USDC via the paymaster — you never need a gas token.
  5. The recipient receives value; you get a record of the movement (see Accounting & reports).

Timing and success are not guaranteed — they depend on network conditions, routing, and third-party infrastructure, and a transaction can be delayed or fail.

On-chain transactions are generally irreversible. Verify the recipient, amount, network, and asset before confirming — StableAccount cannot cancel, reverse, or refund a completed on-chain transaction.

Confidential mode (optional)

Use confidential mode when you don’t want a payment’s counterparty and route to be easily visible to outside observers browsing the public blockchain. Read this honestly:

  • Marking a send as confidential is intended to reduce how much of the counterparty and route is readily visible to casual on-chain observers. It does not make transactions private, anonymous, or untraceable, does not defeat determined analysis, subpoenas, or regulatory inquiry, and on-chain transactions are inherently public.
  • Where confidential routing is not available for a route, the transfer runs as an ordinary public cross-network swap — the counterparty and route are visible on-chain like any other transaction, and the app labels this clearly when it applies.
  • Confidential transfers may be limited by your pricing tier. See Pricing.

You should not rely on confidential mode to achieve legal anonymity or to satisfy any confidentiality obligation. See Privacy & data for the full, truthful description.

Receive

Get paid as ”$”, no matter how the payer holds money.

Ways to receive:

  • By @handle — share your username; anyone can pay you.
  • By address — share your wallet address directly.
  • By payment link — generate a shareable link. Depending on availability, the payer can pay from a supported network, a supported token, a card, or a bank — and where the route completes successfully it is converted and settles in your account as ”$.” Great for invoices and one-off collections.
  • By on-ramp — bring in dollars from your bank or card via Transak; it arrives as ”$”. See Convert to fiat.

How a payment link works, step by step:

  1. Create a link (fixed amount, or open amount where your tier allows it — see Pricing).
  2. Send the link to your payer.
  3. The payer chooses how to pay — crypto from a supported network/token, or card/bank.
  4. StableAccount (with 1Click for cross-network routing and Transak for fiat) converts and routes the funds.
  5. Where the route completes, the payment settles as ”$” in your account, with a record attached. Supported methods, conversion, and settlement depend on third-party availability and jurisdiction, are not guaranteed, and routes can fail or return funds.

Costs

Same-network USDC transfers are the cheapest path. Cross-network and cross-token transfers carry a solver spread (a small cost for swapping across networks — see Money & fees), and every operation pays a small network fee and gas in USDC. On/off-ramp transactions through Transak use Transak’s own fees and rates. See Money & fees for the full breakdown.