A USD bank account in your name. Settled to USDC.
Receive ACH and domestic Wire transfers into a custom-named USD account and have the funds arrive as USDC on Base — automatically, in your wallet, under a minute.
Acme Industries · USD Account
0123 •••• •••• 4271
Settled
$112.3k
+18.4%
Pending
$4.8k
3 in flight
Routes
2
Base · USDC
Banking, network & payments infrastructure powered by
$4.2B+
Settled volume
Lifetime to date
10k+
Active accounts
Across 50+ countries
<1 min
Settlement window
USD → USDC on Base
99.99%
Uptime SLA
Independently audited
Why StableRoute
Banking rails on the front. Stablecoin rails on the back.
Everything you need to receive USD and own the settled balance — in your wallet, on your terms, with the compliance backing of a real US bank.
Custom-named USD accounts
Receive ACH and domestic wires into a USD account that carries your business name. Looks like a bank, settles like crypto.
Settle to USDC on Base
Funds arrive as USDC at the Base address of your choice — fast, programmable, and globally portable.
Multiple named profiles
Run separate names, senders, and withdrawal addresses for different entities, clients, or projects under one account.
Live status pipeline
Track every transfer through Pending → Completed or Refunded, with email notifications at every state change.
Webhooks & API
Push deposit, settlement, and refund events into your accounting, ledger, or notification systems automatically.
Built for global teams
Pay contractors, suppliers, and partners abroad while keeping a USD-denominated entry point in the United States.
How it works
From sign-up to settlement in three steps
Apply in under a minute
Sign up, complete KYB onboarding, and submit your first profile with a name, sender, and USDC (Base) address.
Get verified by our compliance team
Profiles are reviewed by trained operators. You'll get an email the moment your USD account is provisioned and live.
Receive ACH & Wire — auto-settled
Share your StableRoute account details with senders. Funds clear, get converted to USDC, and route to your wallet.
Workflow
What happens behind every transfer
Four actors, eight steps, one outcome — your USD on-chain. Every step is logged, auditable, and visible to the customer in real time.
- Step 01Customer
Submit a profile
Sign up, create a named profile, and enter your USDC (Base) withdrawal address.
- Step 02StableRoute Ops
Compliance review
Our trained operators verify KYB/KYC documents and the destination address against sanctions screens.
- Step 03StableRoute Ops
Assign a USD account
Admin provisions a custom-named USD account at Lead Bank with routing + account number, ACH/Wire enabled.
- Step 04Customer
Approval email sent
Customer receives the assigned bank details by email and can share them with anyone who needs to pay them.
- Step 05Lead Bank
Funds arrive
Senders submit ACH or domestic Wire transfers. Lead Bank credits the customer's named account.
- Step 06StableRoute
Convert USD → USDC
Our settlement engine converts the cleared deposit into USDC at Circle's reserve-backed mint window.
- Step 07Base · USDC
Route to wallet
USDC is transferred to the customer's withdrawal address on Base — confirmed in seconds, on-chain.
- Step 08Customer
Settled & notified
Status flips to Completed. Customer is notified by email + webhook. Receipt is verifiable on-chain.
The on-chain side of US banking
Every dollar that lands in your StableRoute account is converted to USDC on Base — settled in under a minute, verifiable on-chain, and ready for treasury, payroll, or trading workflows.
- USDC by Circle — a fully-reserved, regulated dollar-pegged stablecoin.
- Base network — Ethereum L2 with sub-cent fees and 1-second confirmations.
- Programmable settlement — webhooks + on-chain events keep your systems in sync.
Live activity · last 24h
+$2,184,520
↑ 22.3% vs. yesterday
Get paid in any currency. Settle in crypto.
Multi-currency accounts for freelancers and independent contractors — receive EUR, GBP, and CAD alongside USD, each in your own name, and convert to USDC on Base at a low, flat fee.
USD
US Dollar
EUR
Euro
GBP
British Pound
CAD
Canadian Dollar
Accounts in your beneficiary name
Each account is issued under your own name or business — so international clients pay you exactly as they would any local supplier.
Low, transparent commission
One small, flat conversion fee — no hidden FX spreads, no wire markups. You keep what you earn and see the cost before every settlement.
Built for independent contractors
Freelancers, agencies, and remote teams: get paid by clients abroad in their local currency and settle to USDC on Base in minutes.
Want EUR, GBP, or CAD first?
Join the early-access list and we'll reach out when your currency goes live.
On-ramp & off-ramp
Money moves both ways
Convert fiat into USDC when clients pay you, and cash USDC back out to a bank account when you need to. One flat, low fee per conversion — no FX spreads.
On-ramp
Fiat → USDC
Client pays you
ACH, Wire, SEPA, or Faster Payments into your named account.
Funds clear
Deposit settles at our regulated banking partner.
Auto-convert
We convert to USDC at a low, flat fee — shown upfront.
USDC in your wallet
Routed to your Base address — confirmed on-chain in seconds.
Off-ramp
USDC → Fiat
Send USDC
Transfer USDC from your Base wallet to your StableRoute address.
Auto-convert
We convert USDC to your chosen currency at the same flat fee.
Bank payout
Funds are paid out to your linked external bank account.
Cash in hand
Receive in USD, EUR, GBP, or CAD — in your beneficiary name.
One flat fee
A single low commission per conversion. No hidden FX margin.
Minutes, not days
On-chain settlement completes while a bank wire would still be pending.
Made for contractors
Built for freelancers and agencies billing clients across borders.
Compliance & security
Built so you can pass an audit on Tuesday
We hold ourselves to the same standards as the banks behind us. KYB, KYC, transaction monitoring, and on-chain transparency are non-negotiable.
SOC 2 Type II
Independent annual audit covering security, availability, and confidentiality.
256-bit encryption
TLS 1.3 in transit, AES-256 at rest. Hardware-backed key custody.
Regulated banking partner
USD deposits held at FDIC-insured Lead Bank under a sponsor banking relationship.
On-chain transparency
Every settlement to USDC is verifiable on Base. Cryptographic receipts on request.
Roadmap
Where we've been — and where we're going
Public, transparent, and built in the open. Every quarter ships, every decision is documented.
Q4 2025
Foundational launch
- Custom-named USD accounts
- ACH + Wire inbound
- USDC settlement on Base
- Customer & admin portals
Q1 2026
Operational maturity
- Multiple profiles per customer
- Admin approval workflow
- Email notification pipeline
- Transaction state tracking
Q2 2026
API & automation
- Public REST API
- Webhook events
- Batch settlement reports
- Audit log for admin actions
Q3 2026
Cards & access
- Debit card issuance (Visa)
- Spend controls & categories
- Mobile apps (iOS / Android)
- 2FA + SSO
Q3–Q4 2026
Global rails
- EUR, GBP & CAD receive accounts
- Low-fee multi-currency → USDC
- FX corridor (USD ↔ EUR ↔ GBP)
- Treasury yield on idle USDC
2027 & beyond — vision
Virtual sub-accounts · real-time payment rails (FedNow / RTP) · international wire send · marketplace SDKs · yield-bearing checking
Customers
Loved by finance teams
TrustScore 4.8 · 1,284 reviews
“Switching to StableRoute cut our cross-border settlement time from 3 business days to under a minute. Our finance team got their nights back.”
Mira Acosta
CFO, Northwind Logistics
“The compliance team actually reads the docs you upload. We've never had a profile sit longer than half a business day.”
Daniel Vega
Operations Lead, Helios Agency
“We replaced two payment processors with StableRoute. Customers send dollars; our treasury holds USDC. That's it.”
Priya Iyer
Founder, Lumen Studio
FAQ
Frequently asked questions
Is StableRoute a bank?+
No. StableRoute is a financial-services platform. USD deposits are held at FDIC-insured partner institutions; USDC is an asset issued by Circle Internet Financial.
How fast is settlement?+
Once an incoming ACH or Wire clears, funds are typically converted to USDC and routed to your Base address in under 60 seconds.
Do you support business accounts?+
Yes. Most of our customers are LLCs, C-corps, and freelancers operating under a business name. KYB is required for entities.
Can I have more than one named account?+
Yes — you can create unlimited profiles, each with its own name, sender, and withdrawal address. The Growth plan covers up to 5; Scale removes the cap.
Ready to route stable funds?
Open your custom-named USD account today. Most profiles are reviewed and live within a few hours.
Banking services provided by Lead Bank, Member FDIC.