Stables vs ARQ (ex DolarApp)
On the standard spending profile, Stables has the lowest net annual cost (€0). Stables offers the highest cashback (6%). Pick Stables if you prioritise simplicity and exchange integration; consider ARQ (ex DolarApp) if you prefer a mature custodial ecosystem.
| Stables | ARQ (ex DolarApp) | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.0 | ★ 3.9 |
| FX markup | 2% | 0.5% |
| Cashback | 6% | 0% |
| Annual fee | Free | Free |
| Estimated net annual cost | €0 | €0 |
| Custodial | Custodial | Custodial |
| Network | — | — |
| Regions | US, EU/EEA, APAC, LATAM, MENA, Africa | LATAM, US, EU/EEA |
| Licences & safety | AUSTRAC DCE + AUSTRAC Remittance + VASP (Poland) + FINTRAC MSB (Canada) | none (fintech partner) |
Frequently asked questions
Stables vs ARQ (ex DolarApp): which is better?
On the standard spending profile, Stables has the lowest net annual cost (€0). Stables offers the highest cashback (6%). Pick Stables if you prioritise simplicity and exchange integration; consider ARQ (ex DolarApp) if you prefer a mature custodial ecosystem.
Which is cheaper, Stables or ARQ (ex DolarApp)?
On the standard spending profile Stables has the lowest net annual cost: €0 versus €0 for ARQ (ex DolarApp).
Which offers more cashback, Stables or ARQ (ex DolarApp)?
Stables has the highest cashback: up to 6%. Note the top rate often requires token staking and is subject to spending caps.
Is Stables custodial or self-custody?
Stables is custodial: funds are held by the platform, while ARQ (ex DolarApp) is custodial.
Which is better for spending abroad?
For foreign-currency spending ARQ (ex DolarApp) wins, with the lowest FX markup: 0.5%.