StableOne gives US fintechs and payment service providers the regulated fintech infrastructure to launch, scale, and move money domestically and across borders, without building a banking stack or holding your own licenses. If you're a PSP looking to provide account and payment functionality or a fintech embedding financial services into a product for US customers, StableOne provides the infrastructure you need to build and scale on.
Launch branded payment accounts under your own product name for US-based products, backed by StableOne's regulated infrastructure. Your customers see your brand; StableOne handles the ledgering, account issuance, and underlying rails, including the money transmitter licensing burden you'd otherwise carry state by state.
US platforms don't operate on IBANs domestically, but your customers doing business internationally often do. StableOne lets you issue dedicated IBANs to those customers across multiple jurisdictions, so they can receive and send funds like a local business wherever they're operating, while your own US-side infrastructure runs on routing and account numbers as usual. Each account comes with full transaction history and real-time balance visibility.
Manage USD as your home currency alongside multi-currency balances, moving funds across borders from a single view. StableOne's payment infrastructure handles FX exposure, liquidity management, and fund positioning for US platforms operating in more than one market, with ACH and Fedwire covering domestic transfers alongside international payment networks. Explore our global fintech infrastructure for PSPs for coverage outside the US.
Fast, predictable settlement cycles for merchants, partners, and platform users, with ACH settlement typically clearing in 1-3 business days and Fedwire available for same-day, time-sensitive transfers. The settlement engine automatically reconciles transactions and provides clear visibility into pay-in and pay-out timing.
A single, well-documented banking API connects your platform to accounts, payments, settlement, and reporting. Built for developers, designed to integrate quickly, and stable enough to scale with transaction volumes. This gives US fintechs a reliable payments foundation without the complexity of building everything themselves.
We work as an infrastructure partner, not a competitor, for US platforms building financial products. You own the customer relationship and the brand; StableOne provides the regulated backbone underneath.
Every account and transaction runs through built-in KYC/KYB and AML/CTF monitoring aligned with US requirements under the Bank Secrecy Act, including FinCEN registration and, where applicable, state money transmitter licensing. Compliance is part of the infrastructure itself, handled before a single dollar moves, not bolted on afterwards.
It is the regulated banking, payment, and compliance foundation that US fintechs and PSPs build their products on. StableOne provides accounts, API access, settlement, and compliance so US firms can launch without holding their own licenses.
StableOne's embedded finance model lets US platforms integrate accounts, payments, and money movement into their own product via a single API. Your users stay in your product; StableOne handles the regulated side, including BSA/AML compliance, behind it.
Yes. US PSPs use the infrastructure to issue payment accounts to their own customers domestically, and IBANs to customers operating internationally, with full transaction history and real-time balance visibility under their own brand.
It covers account issuance, cross-border treasury with USD as a base currency and ACH and Fedwire settlement. It also includes FX, global IBANs for international customers, and an API, with compliance built around FinCEN and BSA/AML requirements rather than added on afterwards.