Stables Stables
A plan byStables
Stables is a stablecoin (USDt) payments infrastructure for Asia and MENA: virtual accounts to collect fiat, conversion and payouts in 26 currencies, claimed coverage of more than 160 markets and SOC 2 certification. It is an API-first enterprise product with a B2B model: as of 2026-07-20 the Stables Card page, the help centre and the app-store listings are no longer reachable, so the consumer side can no longer be verified as active.
Stables
- Price
- Free
- Issuance fee
- Free
- FX markup
- 2%
- Cashback
- 6%
- Cashback currency
- Stables Points
- Required staking
- Nessuno
- Net annual cost
- Free
What's included
- 100% stablecoin backed account
- Mastercard
- No FX fee on USD spend (2% on non-USD)
- Apple Pay
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | condiviso |
| Multi-currency | Yes · 26 currencies |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| On-chain crypto withdrawal | Yes |
| ATM withdrawal | not declared |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | US, EEA, APAC, LATAM, MENA, AFRICA · 160+ countries |
| Regulator | AUSTRAC (Australia), Registro attività in valute virtuali (Polonia), FINTRAC (Canada) |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | AUSTRAC DCE + AUSTRAC Remittance + VASP (Poland) + FINTRAC MSB (Canada) |
Strengths
- Claimed coverage of 160+ markets and payouts in 26 currencies; SOC 2; multiple licences (AUSTRAC, Poland VASP, FINTRAC Canada); single API for compliance and settlement.
- No notable sovereignty advantage documented.
Weaknesses
- Enterprise/API B2B product, not consumer: card and app no longer reachable; not available in Italy.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
The A tier is justified by robust governance: SOC 2 certification, registrations with AUSTRAC (DCE and remittance), the Polish virtual-currency activity register and FINTRAC, and claimed operations across more than 160 markets. Protection is therefore serious on the controls side, but the product is API-first enterprise with a B2B model not designed for direct consumer use, and it is unavailable in Italy.
Through this lens Stables stays on the custodial track: multi-chain stablecoin support and a fair privacy score on one side, but full KYC and platform-held funds on the other. Its enterprise strength and multiple licences do not translate into autonomy for the user, who holds no keys and relies on centralised stablecoins.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Stables a real bank?
Stables is a digital financial service. The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with Stables?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Stables support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Stables support?
The official Coverage page states payouts in 26 currencies, all settled in USDt. Consumer multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Stables?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · License type · License country · +20 Data verified on Jul 20, 2026
- opencryptocards.com FX markup · Cashback · Include · Include en Data verified on Jul 20, 2026
- support.stables.money ATM fees · ATM limits · Cashback · FX markup Data verified on Jul 20, 2026
- cryptonews.com.au Founders · Founded · Headquarters · On-chain crypto withdrawals · +5 Data verified on Jun 14, 2026
Show 3 more sources
- fintechfutures.com Founders · Investors Data verified on Jun 14, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026
- fintechaustralia.org.au Founders Data verified on Jun 13, 2026