What is Stables?

Stables Money is a fintech platform that provides a mobile application for holding, sending, spending, and managing USD-denominated stablecoins such as USDC and USDT, backed 1:1 by regulated reserves. It operates as a non-custodial digital wallet where users top up via bank transfers, debit cards, or direct crypto deposits, then use balances for global payments to bank accounts, mobile wallets, or external crypto addresses in over 30 countries. The system supports virtual and physical debit cards accepted at millions of merchants worldwide, with integration for Apple Pay and Google Pay, enabling instant conversions for everyday spending without traditional banking requirements.

The platform offers personal accounts for individual money movement, business tools including global accounts for cross-border transfers and OTC services for large trades, and developer APIs for integrating stablecoin payments. Operations rely on licensed partners for compliance, with KYC verification and security features like 3D Secure, while focusing on low fees and fast transactions for users in supported regions, primarily outside restricted areas like the UK.