StableAccount is an interface that coordinates specialized, independent providers so you get a familiar experience with self-custody underneath. Each is an independent provider governed by its own terms of service and privacy policy. StableAccount does not control these providers and is not responsible for their performance, availability, security, fees, regulatory status, or acts and omissions. Where those terms are presented to you, your use of each feature that relies on a provider constitutes acceptance of that provider’s terms.
The providers and what they do
| Provider | What it does |
|---|---|
| Privy | Authentication and provisioning of embedded wallets; manages key material so transactions are authorized only through your login. |
| ZeroDev (Kernel) | ERC-4337 smart-account infrastructure that you control. |
| Pimlico | ERC-4337 bundler and USDC paymaster enabling gas abstraction. In plain terms: it lets you pay network fees in dollars instead of ETH. |
| NEAR Intents / 1Click | Cross-network swap and settlement routing. Confidential-mode routing is supported where enabled; where it is not available for a route, transfers execute as ordinary public cross-network swaps (the app labels this). |
| Morpho / Spark | Third-party ERC-4626 lending vaults that power the Earn feature. In plain terms: the independent lending services your Earn deposits go into. |
| Gnosis Safe (Safe{Core}) | Multi-signature smart-contract wallets. |
| MoonPay | Third-party fiat on-ramp (buy/add dollars) performing KYC/AML and bank/card processing under its own licenses/registrations. |
| Transak | Third-party fiat off-ramp (cash out to bank/card) performing KYC/AML and bank/card processing under its own licenses/registrations. |
| Alchemy | Blockchain connectivity and deposit indexing. In plain terms: it reads the blockchain so your balance and incoming payments show up correctly. |
| Paddle | Subscription billing and merchant of record for StableAccount plan fees. |
| Circle | Issuer of USDC, the underlying stablecoin. |
Each provider is governed by its own terms; those terms, and not StableAccount’s documentation, govern that provider’s service. Statements above about a provider (for example that it is audited, licensed, or regulated) reflect what that provider states; StableAccount does not verify and makes no representation about them.
What this means for you
- Fiat and identity are handled by third parties under their own licenses. KYC/AML and the fiat leg are performed by third-party providers — MoonPay (on-ramp) and Transak (off-ramp) — not by StableAccount, which does not custody fiat. Each provider’s regulatory status and availability are determined by that provider and vary by jurisdiction. See Convert to fiat.
- Earn is third-party DeFi. The vaults behind Earn are operated by Morpho and Spark, not StableAccount, and StableAccount makes no representation about their security or audit status. See Earn.
- Third-party dependency risk. If any provider suffers downtime, discontinues service, changes terms, restricts access, or fails, your ability to access funds or features may be impaired. StableAccount may restrict or discontinue access, features, or providers in any jurisdiction at any time, including to comply with law or third-party requirements. See Compliance & risk.
Related
- How it works — where each provider fits.
- Security — the safety implications of relying on third parties.
- Privacy & data — how data flows to providers like Privy, MoonPay, and Transak.