# Stablerail

> Stablerail is the business account for stablecoin companies — one self-custodial account to run USDT/USDC operations: approvals, AML checks, batch payouts, corporate cards, IBANs, ACH, SEPA, yield, and audit evidence for every transaction.

Stablerail replaces "Ledger + spreadsheet + approval chaos" with one controlled operating account. AI checks every transaction; humans approve and sign. Built on Privy MPC infrastructure (owned by Stripe). Not a bank and not a custodian — fiat rails and cards are provided by regulated third-party partners after KYB.

Legal entity: Stablerail, Inc., 131 Continental Dr, Newark, DE 19713, USA.
Founders: Alex Emelian (CEO, former CEO of Simple, a self-custodial wallet with $2B+ transaction volume across 75+ countries) and Oleg Pun (CTO, previously FX infrastructure at UBS and Deutsche Bank).

## Pages

- [Home](https://stablerail.com/): Product overview, features, pricing, and how Stablerail works.
- [About](https://stablerail.com/about): Company, founders, legal entity, and what Stablerail is and is not.
- [Security & custody](https://stablerail.com/security): MPC key model, signing, approvals, screening, and audit evidence.
- [Stablecoin treasury management](https://stablerail.com/solutions/stablecoin-treasury-management): How finance teams run a stablecoin treasury with controls.
- [Stablecoin payouts](https://stablerail.com/solutions/stablecoin-payouts): Batch payouts, contractor payments, and off-ramps.
- [Solutions overview](https://stablerail.com/solutions): All Stablerail solutions for stablecoin finance operations.
- [Compare Stablerail](https://stablerail.com/compare): Index of comparisons against alternatives.
- [Fireblocks alternative](https://stablerail.com/compare/fireblocks-alternative): How Stablerail compares to Fireblocks for mid-market finance teams.
- [BVNK alternative](https://stablerail.com/compare/bvnk-alternative): Stablecoin payment APIs for platforms vs a self-custodial business account.
- [Bridge alternative](https://stablerail.com/compare/bridge-alternative): Orchestration infrastructure for developers vs an account finance operates.
- [Request Finance alternative](https://stablerail.com/compare/request-finance-alternative): Crypto invoicing and AP vs the account holding the funds.
- [Utila alternative](https://stablerail.com/compare/utila-alternative): MPC wallet infrastructure for digital-asset ops vs a finance-operated business account.
- [Dfns alternative](https://stablerail.com/compare/dfns-alternative): Wallet-as-a-service for developers vs a finished stablecoin business account.
- [Turnkey alternative](https://stablerail.com/compare/turnkey-alternative): Policy-as-code signing infrastructure vs approvals a finance admin configures.
- [Safe multisig alternative](https://stablerail.com/compare/safe-alternative): Why a multisig secures funds but does not run payouts, screening or fiat rails.
- [BitGo alternative](https://stablerail.com/compare/bitgo-alternative): Regulated qualified custody and prime services vs a self-custodial operating account.
- [Coinbase Prime alternative](https://stablerail.com/compare/coinbase-prime-alternative): Institutional custody and trading vs an account that pays vendors, payroll and cards.
- [Fordefi alternative](https://stablerail.com/compare/fordefi-alternative): MPC wallet for DeFi trading desks vs MPC treasury for finance teams.
- [USDC business account](https://stablerail.com/usdc-business-account): What a stablecoin business account includes, custody model, onboarding and eligibility.
- [Guides](https://stablerail.com/guides): Long-form references for finance teams on stablecoin payments and controls.
- [Stablecoin vendor payments guide](https://stablerail.com/guides/stablecoin-vendor-payments): Paying suppliers in USDC/USDT — controls, cost vs wires, accounting treatment.
- [Treasury monitoring guide](https://stablerail.com/guides/stablecoin-treasury-monitoring): Pre-execution controls vs post-execution analytics, and how to shortlist a platform.
- [Internal controls guide](https://stablerail.com/guides/stablecoin-internal-controls): Control matrix, segregation of duties and the auditor evidence pack.
- [Sanctions screening guide](https://stablerail.com/guides/stablecoin-sanctions-screening): Screening counterparties and addresses before signing, and retaining evidence.
- [Audit trail guide](https://stablerail.com/guides/stablecoin-audit-trail): Fields an audit-ready stablecoin record must contain and period-end reconciliation.
- [Glossary](https://stablerail.com/glossary): Definitions of stablecoin treasury terms — MPC, self-custody, off-ramp, travel rule, TRC-20, SEPA Instant.
- [USDT vs USDC](https://stablerail.com/blog/usdt-vs-usdc): Which stablecoin a business should settle in, by corridor and regulation.
- [Blog](https://stablerail.com/blog): Guidance for CFOs and finance teams on stablecoin treasury operations.
- [AI Guide](https://stablerail.com/ai-guide): Structured reference for AI assistants — FAQs, comparisons, and key terms.
- [Help centre](https://stablerail.com/help): Step-by-step documentation for every flow in the Stablerail account.
- [Eligibility checker](https://stablerail.com/checker): Check whether your company and country are supported.

## Help centre

- [Help centre](https://stablerail.com/help): Documentation for the Stablerail business account — how each flow actually works.

### Getting started

- [What Stablerail is and what it is for](https://stablerail.com/help/what-stablerail-is): What Stablerail does, what self-custody means for your company, and how the main parts of the platform fit together.
- [Complete your company verification](https://stablerail.com/help/complete-your-verification): What we ask for before your account is opened, why we ask for it, and how to prepare the documents.
- [Set up your organisation](https://stablerail.com/help/set-up-your-organisation): The five guided steps that turn your verified company into a working account, in the order they appear.
- [Understand roles and permissions](https://stablerail.com/help/understand-roles-and-permissions): The four roles, what each one can do, and the separation-of-duties rules that cannot be switched off.
- [Set your signing quorum](https://stablerail.com/help/set-your-signing-quorum): How many signers must approve a payment, where you set it, and what changes when you add or remove a signer.
- [Invite and remove team members](https://stablerail.com/help/invite-and-remove-team-members): Adding colleagues, choosing their role, managing pending invitations, and removing people who leave.
- [Sign in and secure your account](https://stablerail.com/help/sign-in-and-secure-your-account): How signing in works, what to do on a new device, and how sessions expire.

### Wallets and balances

- [How self-custody works here](https://stablerail.com/help/how-self-custody-works): What it means that Stablerail cannot move your funds, and what that puts in your hands.
- [Supported networks and assets](https://stablerail.com/help/supported-networks-and-assets): Which blockchains and tokens you can hold and move, and why the network always matters.
- [Create a wallet](https://stablerail.com/help/create-a-wallet): Adding a vault to hold your funds, and attaching a policy so it is governed.
- [Use a quarantine address](https://stablerail.com/help/use-a-quarantine-address): One-time receiving addresses that keep unknown or high-risk deposits away from your treasury.
- [View balances and history](https://stablerail.com/help/view-balances-and-history): Where to find what you hold, what has moved, and the on-chain record behind each transaction.

### Making payments

- [Create a payment request](https://stablerail.com/help/create-a-payment-request): Preparing an outbound payment and sending it for approval, whether to a saved counterparty or a new address.
- [Approve and sign a payment](https://stablerail.com/help/approve-and-sign-a-payment): Working the signing queue: what each status means, what to check before you approve, and how quorum progresses.
- [Understand self-approval limits](https://stablerail.com/help/understand-self-approval-limits): When one signer can send alone, when a second is required, and how the different limits interact.
- [Send a batch payout](https://stablerail.com/help/send-a-batch-payout): Paying many recipients in one approved run, from building the payee batch to signing it.
- [Network fees and gas sponsorship](https://stablerail.com/help/network-fees-and-gas-sponsorship): Why a payment costs more than the amount you sent, how to choose a speed, and what gas sponsorship covers.
- [Fix a payment that fails or stalls](https://stablerail.com/help/fix-a-payment-that-fails-or-stalls): How to tell where a payment is stuck, what you can resolve yourself, and when to contact support.
- [What can and cannot be reversed](https://stablerail.com/help/what-can-and-cannot-be-reversed): The point of no return for a payment, and what your options are on either side of it.

### Counterparties

- [Add a counterparty](https://stablerail.com/help/add-a-counterparty): Saving the people and companies you pay, so you never have to paste an address again.
- [Manage counterparty addresses safely](https://stablerail.com/help/manage-counterparty-addresses-safely): Why an address cannot be edited, what to do when a counterparty changes their details, and how to archive safely.
- [Read a counterparty's risk profile and history](https://stablerail.com/help/read-counterparty-risk-and-history): What the risk tier on a counterparty means, and how to use their payment history before you approve.

### Compliance and screening

- [What gets screened and when](https://stablerail.com/help/what-gets-screened-and-when): The compliance checks that run automatically, what triggers them, and what they look at.
- [Read a risk result](https://stablerail.com/help/read-a-risk-result): What PASS, FLAG and BLOCK mean, what the risk dossier contains, and what you can do in each case.
- [Resolve a flagged payment](https://stablerail.com/help/resolve-a-flagged-payment): Clearing a flag with a comment and evidence, and the rules about who is allowed to do it.
- [Ongoing wallet risk monitoring](https://stablerail.com/help/ongoing-wallet-risk-monitoring): Why a risk score changes when you have done nothing, and what to do when one gets worse.

### Evidence and audit

- [What is recorded in the audit log](https://stablerail.com/help/what-is-recorded-in-the-audit-log): The permanent record of who did what, how to search it, and how long it is kept.
- [Export an evidence pack](https://stablerail.com/help/export-an-evidence-pack): A single file containing everything about one transaction, including a hash that proves it has not been altered.
- [Export records for your auditor or accountant](https://stablerail.com/help/export-records-for-your-auditor): Getting your transaction history, banking statements and audit trail out of the platform in a usable format.

### Fiat accounts

- [What your fiat account can do](https://stablerail.com/help/what-your-fiat-account-can-do): The bank accounts available to you, what they are for, and how to get one opened.
- [Receive funds into your fiat account](https://stablerail.com/help/receive-funds-into-your-fiat-account): Finding your account details, giving them to a payer, and tracking what arrives.
- [Send funds from your fiat account](https://stablerail.com/help/send-funds-from-your-fiat-account): Making a bank transfer to a counterparty, what details each rail needs, and why a payment might be returned.
- [Convert between fiat and stablecoins](https://stablerail.com/help/convert-between-fiat-and-stablecoins): Moving value between your bank account and your treasury vaults in either direction.

### Cards

- [Issue a card](https://stablerail.com/help/issue-a-card): Creating a virtual corporate card, naming it for the person who will use it, and what happens next.
- [Set card limits and controls](https://stablerail.com/help/set-card-limits-and-controls): Capping what a card can spend per day, per month and per transaction, and who can see card details.
- [Freeze or close a card](https://stablerail.com/help/freeze-or-close-a-card): Stopping a card temporarily or permanently, and which one to choose.
- [View card transactions](https://stablerail.com/help/view-card-transactions): Reviewing card spend across the team or for one card, and exporting it for reconciliation.

### Invoicing

- [Create an invoice](https://stablerail.com/help/create-an-invoice): Billing a customer, attaching the address they should pay to, and sending it.
- [Set up a recurring invoice](https://stablerail.com/help/set-up-a-recurring-invoice): Billing the same customer on a schedule, with automatic follow-ups when they are late.
- [Reconcile an invoice payment](https://stablerail.com/help/reconcile-an-invoice-payment): How incoming payments are matched to invoices, and how to match or unmatch one yourself.

### Earn

- [Put idle funds to work with Earn](https://stablerail.com/help/put-idle-funds-to-work-with-earn): Depositing treasury balances into yield vaults, withdrawing them again, and what to understand before you do.

### Policies

- [What the policy engine controls](https://stablerail.com/help/what-the-policy-engine-controls): The rules that are applied to every payment automatically, and where each one bites.
- [Set your policy thresholds](https://stablerail.com/help/set-your-policy-thresholds): Choosing the numbers behind your rules, and how to pick them for the way your company actually pays.
- [Edit policies safely](https://stablerail.com/help/edit-policies-safely): How a policy change takes effect, what happens to payments already in flight, and how to avoid loosening controls by accident.

### Security and recovery

- [Protect your account](https://stablerail.com/help/protect-your-account): The habits and settings that actually reduce your risk, and the emergency lock.
- [Recover access to your account](https://stablerail.com/help/recover-access-to-your-account): What to do when a device or a signer is lost, and why we cannot recover keys for you.
- [Respond to a suspected compromise](https://stablerail.com/help/respond-to-a-suspected-compromise): What to do first when something looks wrong, in the order that limits the damage.

### Troubleshooting and FAQ

- [Troubleshooting and FAQ](https://stablerail.com/help/troubleshooting-and-faq): Quick answers to the questions that come up most often, with links to the full article for each.

## Optional

- [Privacy Policy](https://stablerail.com/privacy): How Stablerail collects, uses, and protects information.
- [Terms of Service](https://stablerail.com/terms): Terms governing use of the Stablerail platform.
- [Master Services Agreement](https://stablerail.com/msa): MSA for Stablerail customers and partner services.
- [Sitemap](https://stablerail.com/sitemap.xml): All indexable URLs.

## Full text

- [llms-full.txt](https://stablerail.com/llms-full.txt): Inlined text of the core pages, readable without rendering JavaScript.

## Key facts

- Stablerail is self-custodial: private keys are split into shares using multi-party computation (MPC) built on Privy infrastructure. Stablerail cannot sign a transaction alone; customers can export keys under a defined quorum.
- Supported assets: USDT and USDC. Supported networks include Ethereum, TRON, Base, Polygon and Solana.
- Capabilities: treasury account, multi-approver payment approvals, sanctions and counterparty screening, batch payouts, corporate cards, IBAN, ACH, SEPA and SEPA Instant fiat rails, yield on idle balance, and per-transaction audit evidence.
- Target customer: finance teams (CFO, controller, finance ops) at 20-500 person companies whose revenue or costs settle in stablecoins.
- Stablerail is not a bank, not a broker-dealer and not a custodian. Fiat rails and cards are provided by regulated third-party partners after KYB.
- Contact: sales@stablerail.com, support@stablerail.com.

## Blog categories

- [Treasury Operations](https://stablerail.com/blog/category/treasury-operations)
- [Payments Operations](https://stablerail.com/blog/category/payments-operations)
- [Risk & Controls](https://stablerail.com/blog/category/risk-and-controls)
- [Compliance & Screening](https://stablerail.com/blog/category/compliance-and-screening)
- [Finance Systems](https://stablerail.com/blog/category/finance-systems)
- [Finance Operations](https://stablerail.com/blog/category/finance-operations)

## Key facts for citation

- Stablecoin payments settle in seconds to minutes, 24/7; international wires take 1-3 business days and only move in banking hours.
- A $25,000 stablecoin vendor payment costs cents in network fees on Base, Arbitrum, Polygon or Tron; a wire typically costs $25-$60 plus a 1-3% FX spread.
- On-chain settlement is irreversible, so controls must be preventive (before signing), not detective (after confirmation).
- The four controls auditors expect over stablecoin payments: whitelisted counterparty destinations, segregation of duties between preparer and approver, an approval quorum sized to value, and sanctions screening evidenced before release.
- Sanctions obligations follow the transaction, not the rail: sending USDC or USDT to a designated party is the same violation as a wire.
- Screening should cover three layers: counterparty name lists, designated wallet addresses, and transaction-graph exposure.
- An audit-ready stablecoin record contains the business reference, counterparty snapshot, policy version, requester, approver identities, screening result timestamped before execution, transaction hash and network fee.
- Stablerail holds funds self-custodially using MPC with quorum signing; only administrators can change policy, and policy changes require the same signing quorum as a payment.
- Policies at Stablerail are organisation-level and apply to every vault automatically, rather than being configured per wallet.
- Stablerail supports USDC, USDT, EURC, DAI and PYUSD across Ethereum, Arbitrum, Base, Polygon, BNB Chain, Optimism, Solana and Tron, with fiat off-ramps via ACH, SEPA, SEPA Instant, Faster Payments and SWIFT after KYB.