What Stablerail is and what it is for

When you would read this

Read this before you set up your organisation, or when a colleague is about to join your team and needs to understand what they are being given access to.

What Stablerail is

Stablerail is a self-custodial business account for companies that hold and move stablecoins. A stablecoin is a digital token designed to hold a steady value against a currency such as the US dollar or the euro.

Self-custodial means your company controls its own funds. Stablerail cannot move your money. We provide the account, the controls, the compliance checks and the records. Every payment leaves your account only when the people you have authorised approve it.

Your control is expressed through approval and signing rather than through a file or phrase you keep on your laptop. When a payment is created, it cannot go anywhere until the required number of authorised people approve it. Nobody at Stablerail can supply that approval on your behalf.

What you can do with it

• Hold stablecoins and native assets across the supported networks
• Send payments to counterparties, one at a time or as a batch
• Require more than one person to approve a payment before it is sent
• Screen every payment for compliance risk before it goes out
• Keep a directory of the counterparties you pay and receive from
• Issue invoices, including recurring ones, and reconcile incoming payments
• Hold fiat currency, receive and send bank transfers, and convert between fiat and stablecoins
• Issue and control cards for your team
• Put idle funds to work through Earn
• Produce a complete audit trail and a downloadable evidence pack for any transaction

How the controls fit together

Four ideas run through the whole platform.

Separation of duties. People have roles. Some prepare payments, some approve them, some only look. The same person cannot quietly do every step of a large payment alone.

Nothing moves on one click. Every payment is created first and approved second. The gap between those two steps is where mistakes and fraud get caught.

Everything is screened. Compliance checks run on every payment before it can be approved, and on funds arriving into your account.

Everything is recorded. Every meaningful action writes an audit log entry with who did it and when. If your records and the platform disagree, the audit log is the authority.

What to expect

Stablerail replaces the spreadsheet, the shared wallet and the group chat that most companies use to move stablecoins. It will feel slower than a personal wallet for one small payment, and considerably safer for everything else. Most of the friction you meet is a control doing its job.

You remain responsible for your own compliance programme. Stablerail gives you the screening results, the records and the evidence. What you do with them is your decision.

Common questions

Can Stablerail move our funds without us? No. Funds move only when your authorised people approve the payment.

Can Stablerail freeze our account? Your admin can engage an emergency lock that halts payments. Platform-level restrictions are governed by your agreement with us.

What does it cost? Charges are set out in your Order Form. Your account manager can confirm the applicable charges.

Do we need to understand blockchains to use it? No. You need to know which network and asset you are paying in, and the platform will tell you when something does not match.