FAQ

Regulatory & Trust

1. What is StableOne’s regulatory status?

We are a Canadian-registered Money Services Business (MSB) and a registered Retail Payment Activities Act (RPAA) provider, operating under strict FINTRAC and Bank of Canada’s financial oversight.

2. How are my funds protected?

Funds are held in strictly segregated accounts, ensuring your capital is managed in accordance with our regulatory obligations and industry best practices.

3. What is the benefit of your "Named Account" solution?

For entities outside the UK/Europe, we provide accounts in your own business name, which improves payment acceptance and reconciliation efficiency.

4. How do you support UK and European entities?

We offer a high-functioning wallet solution under our firm’s name, providing immediate access to the global financial system without the friction of traditional bank onboarding.

Onboarding & Compliance

5. How does your onboarding process work?

We utilise a streamlined, digital-first KYC/KYB process. Once documents (incorporation, UBO details, ID) are submitted, we typically provide a decision within 3–5 business days

6. Why do you require UBO information?

As a regulated MSB, we must verify the Ultimate Beneficial Owners (UBO) of all corporate clients to comply with global anti-money laundering (AML) standards.

7. Can you onboard businesses from any jurisdiction?

We support global entities, though we do not service businesses located in high-risk or FATF-sanctioned jurisdictions. Please refere to our list of restricted jurisdictions

Account Operations

8. Which currencies can I hold and exchange?

We currently support GBP, EUR, USD, and AED, allowing for seamless cross-border settlement.

9. How do I fund my StableOne account?

You can fund your account via SWIFT, SEPA, or local Faster Payments (FPS), depending on the currency.

10. Can I receive third-party payments?

Yes, as long as the payments are consistent with your declared business activities and the expected flow of funds.

11. Are there limits on my transactions?

Transaction limits are tailored to your business profile and compliance history, and can be reviewed as your business grows.

Technicals & Transfers

12. How long do international transfers take?

Local payments (SEPA/FPS) are often processed same-day; SWIFT payments generally arrive within 1–3 business days.

13. Is the StableOne platform secure?

Yes, we employ bank-grade encryption and mandate Multi-Factor Authentication (MFA) for every account login.

14. Can I track my payments?

We provide UETR (Unique End-to-end Transaction Reference) codes for SWIFT transfers, allowing you to track payments through the banking network.

15. What should I do if a payment is delayed?

Check your portal for any requested information; our compliance team will notify you immediately if a payment requires further documentation.

Strategic Advantages

16. Why choose StableOne over a traditional bank?

We combine the security of an MSB with the speed of a fintech, offering personalized service, faster onboarding, and specialised solutions for cross-border trade.

17. Do you offer multi-user access?

Yes, our portal allows you to manage team permissions, including ‘View-Only’ or ‘Transaction Initiator’ roles.

18. Is your service suitable for e-commerce?

Absolutely. Our accounts are fully compatible with major marketplaces and payment gateways for receiving global revenue.

19. How do I manage my FX exposure?

We offer competitive, transparent pricing on currency conversions, helping you minimize costs when paying international suppliers.