Stables vs ARQ (ex DolarApp)
On cashback Stables wins (up to 6%); for spending abroad FX markup matters, and ARQ (ex DolarApp) does better (0.5% vs 2%). The choice depends on your real spending profile: redo the math with your volumes before picking between Stables and ARQ (ex DolarApp).
| Stables | ARQ (ex DolarApp) | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.0 | ★ 3.9 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | condiviso | dedicato |
| Multi-currency | Yes · 26 currencies | Yes · 2 currencies |
| Outbound transfers to third-party IBANs | No | Yes |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| On-chain crypto withdrawal | Yes | No |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | US, EEA, APAC, LATAM, MENA, AFRICA · 160+ countries | LATAM, US, EEA · 10+ countries |
| Regulator | AUSTRAC (Australia), Registro attività in valute virtuali (Polonia), FINTRAC (Canada) | partner bank regulator |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| Interest on balance | — | 2% |
| 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 cashback Stables wins (up to 6%); for spending abroad FX markup matters, and ARQ (ex DolarApp) does better (0.5% vs 2%). The choice depends on your real spending profile: redo the math with your volumes before picking between Stables and ARQ (ex DolarApp).
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%.