Open multi-currency accounts, collect cross-border payments in local currencies, and move money across markets through one platform. This is what borderless banking looks like when a business stops stitching together a dozen separate banking relationships just to operate in a dozen countries.
60% of engineering time
lost connecting to multiple banks — fragmented reporting, delayed settlements, reconciliation chaos.
of cross-border businesses run four or more banking relationships just to keep local collections and payouts alive.
Multiple banks mean delayed settlements, manual matching, and reconciliation that never quite closes.
Every IBAN StableOne issues maps to a single customer, merchant, partner, or programme, in USD, EUR, GBP, or AED. Each client gets its own account identity instead of sharing one.
Because payments are identified at account level, finance teams don't need payment references to work out who sent what. That matters most for businesses handling high volumes of international money transfers, where manual matching becomes the real bottleneck.
Your own account numbers and sort codes across the UK, USA, Europe and UAE - no high-street bank hassle.
StableOne is built for clients that traditional banks find difficult to serve: fintechs, high-volume trading firms, and individuals who need global financial services without an international banking relationship in every country they operate in.
Collect and pay out through Virtual IBANs mapped directly to each client, so nothing needs a payment reference to be matched.
one relationship. StableOne settles through local clearing where available, SWIFT elsewhere, balancing speed and reach for global payment solutions. Local clearing means faster, cheaper settlement for international payments across currencies. SWIFT covers corridors without a local rail.
From treasury operations down to individual named accounts, each layer of this account architecture is built for a different job. Segregation and attribution are built into the structure itself, not added after the fact. This is what keeps global payments manageable at scale, rather than forcing one account to do everything.
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Separate client funds from firm funds, with hierarchy and audit trails.
Every account or IBAN maps to one customer, merchant or partner.
5–10 business days to go live
Local payment schemes plus SWIFT, through one relationship - instead of ten separate bank accounts.
Every transaction maps to a customer, merchant, partner or individual, by design.
Inflows, outflows and settlement status, with configurable audit access for finance and ops.
A staging environment before going live, and exportable statements for reconciliation and compliance review.
We review your business type, regulatory profile and payment flows.
Operational, client master and named customer accounts, per currency.
Businesses integrate via API or the portal; individuals get a clear account experience.
Manage collections, payouts and reconciliation as volumes grow.