Overview

Build global money movement using stablecoins, bank rails, and programmable payments — through a unified API.

The Stables Developer Platform gives you everything you need to onboard users, verify identities, generate quotes, execute payments, issue cards, and orchestrate global payouts across 150+ countries.

Our goal is simple: make stablecoin payments behave like modern internet APIs, without requiring your team to understand crypto, banking compliance, or global settlement mechanics.

What You Can Build

With one integration, you can enable teh following use cases:

Global Stablecoin Payments

Send and receive USDT, USDC, and other stablecoins across supported chains with automatic validation, on-chain monitoring, and risk controls.

Multi-Currency Fiat Payouts

Payout to bank accounts (ACH, SEPA, FPS, local rails), wallets, cards, or cash-out agents — depending on your region and licensing.

Cross-Border FX

Request real-time quotes and convert currency using bank or stablecoin rails with guaranteed settlement flows.

Compliance-Aware Workflows

Use our KYC, KYB, SOF/SOW and risk workflows directly from the API — no need for a compliance team or third-party tools.

Programmable Payments

Trigger payments, approvals, or recurring financial actions using intent-based workflows.

How the Platform Is Structured

The Stables API is built around four pillars:

Pillar
Purpose

Identity

Onboard and verify individuals or businesses (KYC/KYB)

Compliance

Automated SOF/SOW, risk rules, sanctions screening

Quotes

Retrieve guaranteed FX conversions and payment routes

Payments

Execute transfers across stablecoin and bank rails

Everything else — webhooks, audit logs, customer management, cards — is built on top of these primitives.

Integration Philosophy

We follow three principles:

1. Everything is API-first

All functionality (onboarding → payments → settlement) is available as endpoints. Nothing is hidden behind dashboards.

2. Compliance is built-in

Your app doesn’t need to understand AML rules, KYC levels, regional restrictions, or document requirements. Return values like:

let your app decide what to show next — Stables handles the heavy lifting.

3. Webhooks are the source of truth

Since compliance, KYB, risk checks, and payments are asynchronous, your system must rely on:

to determine user state and payment success.

Choose Your Integration Style

Headless Integration

Full control over UI + logic. You handle UX, Stables handles compliance & settlement.

Hosted Workflows (optional)

Redirect users to Stables-hosted forms for:

  • KYC

  • KYB

  • SOF/SOW

  • Document uploads

Useful for fast launches or regulated environments.

Environments

Stables provides:

Sandbox

  • Test stablecoin transfers on testnets

  • Fake KYC documents accepted

  • Simulated FX quotes

  • Mock webhooks

Production

  • Real payment rails

  • Real identity verification

  • Full compliance & risk logic

  • Settlement guarantees

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