Stabality holds one balance for you. It is displayed in dollars, it is spendable as USDC, and it earns yield while it sits. Here is the full lifecycle.
Sign up with an email and a strong password, then turn on two-factor authentication. You immediately receive a routing number, an account number, and a USDC deposit address on each supported network.
Send USDC from an exchange, a wallet, or a friend to your Stabality address on Ethereum, Solana, Base, Arbitrum and more. After network confirmation, your dollar balance rises by exactly that amount. We custody the assets; you never manage keys.
Each night we accrue 4.50% APY on your available balance and credit it to your account. You can watch it on the Yield page, line by line.
Pay another Stabality member instantly by email, or send USDC to any external wallet on any supported network. Every send is confirmed with your authenticator code, and pending sends are held separately so your available balance is always honest.
There is no "convert" button because there is nothing to convert. A dollar in, a USDC out. When one balance goes, the other goes too.
No. Stabality is your custodian. Your deposit addresses are created and safeguarded by our own wallet infrastructure — keys are generated in-house, encrypted with AES-256-GCM, and never handed to any third party.
Ethereum, Solana, Base, Arbitrum, Polygon, Avalanche, Optimism, Tron, Stellar, Algorand, Sui, Aptos. Only USDC is accepted; other tokens sent to your address cannot be credited.
USD held at our partner bank is eligible for pass-through FDIC insurance up to applicable limits. USDC held in custody and yield paid by Stabality are not FDIC insured. See our disclosures.
Deposits are free. Internal transfers are free. On-chain sends carry a flat fee shown before you confirm.