A business account that holds USDC
Companies that invoice in stablecoins should not have to run a wallet, a spreadsheet and a bank account to close a month. Stablerail is one account: the USDC and USDT balance, the controls around it, the cards and the fiat exits.
What the account gives you
- A self-custodial USDC and USDT balance on Ethereum, TRON, Base, Polygon and Solana.
- Named counterparties with the accepted asset and network stored on the record, so nobody re-types an address.
- Approval thresholds enforced at signing, not as a workflow anyone can skip.
- Sanctions and wallet screening before release, with the result stored on the payment.
- Corporate cards for team spend, funded from the same balance.
- IBAN, ACH, SEPA and SEPA Instant off-ramps through regulated partners after KYB.
Why teams move off a wallet plus a bank
A hot wallet has no approvals, no counterparty registry and no evidence trail. A bank account cannot receive USDC. Between the two, month-end becomes a manual reconstruction: who approved this, was the destination checked, which invoice does this hash belong to. The account removes that reconstruction by capturing it at payment time.
Who it fits
- Companies with 20 to 500 employees whose revenue or costs settle in stablecoins.
- Marketplaces and platforms paying contractors and vendors across borders.
- Trading, gaming and digital-goods businesses holding a working balance in USDC.
- Finance teams that need an auditor-defensible record without hiring a crypto-operations function.
Opening an account
- Check eligibility for your country and industry — it takes seconds and needs no call.
- Submit incorporation documents, UBO and director identification, and your payment flows.
- Connect wallets and import counterparties, then set approval thresholds.
- Complete KYB to switch on IBANs, fiat rails and corporate cards.
Frequently asked questions
What is a USDC business account?
It is a company account where the operating balance is held in USDC (and USDT) rather than only in bank fiat. It gives a finance team the things a bank account gives them — named counterparties, approvals, cards, payouts and statements — while the balance settles on public networks in minutes.
Is Stablerail a bank?
No. Stablerail is not a bank, a broker-dealer or a custodian. The stablecoin balance is self-custodial and held by the company; IBAN, ACH, SEPA and card services are provided by regulated partners after KYB.
Who holds the private keys?
The company does. Keys are split into shares using multi-party computation, Stablerail cannot sign a transaction alone, and keys can be exported under a defined quorum.
Can we convert USDC to fiat?
Yes. After KYB, balances can be off-ramped to a company bank account over SEPA, SEPA Instant, ACH or local rails in 30+ currencies, or spent directly with corporate cards.
What do we need to open an account?
Company incorporation documents, UBO and director identification, a description of the business and its payment flows, and the source of the stablecoin balance. Most eligible companies complete onboarding in days.
Which countries and industries are supported?
Coverage depends on the jurisdiction and the activity. The eligibility checker returns an answer for your country and industry in a few seconds, before you speak to anyone.
Does the balance earn anything?
Idle balance can be placed in tokenised money-market style products. Yield is variable, not guaranteed, and generated by third-party protocols rather than by Stablerail.
Keep reading
One account for stablecoin treasury, cards and payouts.
Receive, approve, screen, pay, card-spend and off-ramp — with audit evidence on every transaction.