Stable v1.8.0 is a protocol upgrade focused on two capabilities that payment infrastructure needs at scale: throughput and predictability. The upgrade introduces coordinated improvements across transaction execution, mempool processing, state storage, and transaction inclusion, including Guaranteed Blockspace for eligible traffic, helping the network process higher transaction volumes efficiently while delivering more consistent performance under sustained demand.

Together, these improvements strengthen Stable's capacity to support high-volume payments and settlement activity 24/7, giving enterprise applications the performance and transaction certainty needed to move more critical financial activity onchain.

Upgrade Overview

Stable v1.8.0 improves the full transaction lifecycle, from the moment a transaction is submitted to when it is executed and permanently recorded onchain.

• Upgrade activation: August 26, 2026 (around 07:00 UTC)

• Upgrade height: 36976000 

• Recommended upgrade preparation: At least 24 hours before activation if using Stablevisor or Cosmovisor.

• For node operators not using Stablevisor or Cosmovisor, wait for the node to reach the upgrade height and replace the binary once the node stops at that height.

What the Upgrade Means

• For users, this means more consistent transaction performance during periods of high demand.

• For developers and businesses, it means applications can operate multiple transaction streams from the same account, reduce delays caused by transaction queues, and gain more reliable inclusion for eligible priority traffic.

• For validators, it means using available computing and storage resources more efficiently, allowing the network to scale more effectively.

Stable v1.8.0 Upgrade Highlights 

At a high level, v1.8.0 delivers two major improvements: higher throughput and more predictable transaction inclusion.

Higher Throughput 

Stable can process more transactions by executing independent activity in parallel, reducing unnecessary work after each block, and making state storage more efficient.

Instead of relying on one optimization, the upgrade addresses multiple bottlenecks across the transaction lifecycle.

More Predictable Transaction Inclusion

Applications can submit transactions across independent nonce channels, preventing one delayed transaction from blocking subsequent transactions from the same account.

Through Guaranteed Blockspace, the network can also reserve block capacity for selected traffic categories when configured through governance. This gives eligible, time-sensitive payment and settlement traffic more reliable access to blockspace during periods of high network activity.

These improvements are introduced through four protocol-level upgrades:

• Optimistic Parallel Execution

• Selective RecheckTx

• MemIAVL

• 2D Nonce and Guaranteed Blockspace

Each upgrade targets a different stage of the transaction lifecycle. Together, they improve how Stable accepts, prioritizes, executes, and stores transactions. 

Guaranteed Blockspace for Enterprise Payments

For enterprises, v1.8.0 delivers greater transaction capacity and more reliable execution for high-volume payment and settlement flows. Independent transaction streams and Guaranteed Blockspace ensures that critical activities continue smoothly without affecting transaction speed or finality, even during periods of high network demand.

Together, these improvements strengthen the network for payment providers, exchanges, and treasury platforms operating 24/7/365, providing a stronger foundation for moving high-volume payment and settlement activity from traditional rails onchain.

Improving the Transaction Lifecycle

Every transaction moves through a series of stages before it is finalized onchain.

A user or application submits it, the network selects it for inclusion in a block, executes it, and commits it to storage. After the block is committed, remaining pending transactions are reviewed again.

Stable v1.8.0 improves each of these stages:

• Submission: Applications can submit transactions through independent nonce channels, so one delayed transaction does not block the rest.

• Inclusion: Block capacity can be reserved for selected transaction categories during periods of high activity.

• Execution: Independent transactions can run simultaneously across multiple CPU cores while preserving deterministic results across the network.

• Storage: State changes can be recorded with substantially fewer disk writes.

• Post-block processing: Nodes recheck only pending transactions that may have been affected by the latest block.

The result is a network designed to sustain higher transaction volumes while maintaining predictable performance.

Built for High-Volume Payments

Stable v1.8.0 strengthens the network's foundation for high-volume payments, exchange settlements, treasury operations, and agent-driven transactions as activity continues to grow.

With this upgrade, we are improving the transaction lifecycle end to end so Stable can support higher volumes with greater efficiency, reliability, and predictability.

Build on Stable

Documentation: https://docs.stable.xyz
Mainnet Hub: https://hub.stable.xyz
StablePay: https://www.stablepay.to/
Blog: https://blog.stable.xyz
X: @Stable
Community: https://discord.gg/stablexyz

TL;DR

• StablePay is designed to make everyday USDT payments feel simple by keeping networks, gas, and wallet addresses out of the user experience.

• StableChain supports that experience with the settlement infrastructure purpose-built for USDT payments.

• Users can pay, receive and request USDT, add funds, withdraw anytime, and access StableEarn, all from one app through StablePay.

• StablePay and StableEarn create a more continuous journey around the same USDT balance, from paying, getting paid to putting idle funds to work.

The Premise

For stablecoins to reach mainstream adoption, they need to work the way people already expect money to work: easy to send, easy to receive, simple to request, and immediately usable once it arrives. The complexity of wallets, networks, addresses, and gas should sit behind the experience, not in front of the user.

That is the experience StablePay is built around: making the infrastructure less visible so users can focus on what they actually want to do with their USDT.

From Global Rails to Everyday Life

Stablecoins have become one of the clearest examples of real-world utility in crypto.

Everyday payments present a different challenge. Sending money home, splitting a dinner bill, paying a freelancer, covering rent, or reimbursing a friend are some of the frequent and familiar money movements in our daily lives. Yet even after years of stablecoin growth, the consumer experience has lagged. Users still encounter:

• Long wallet addresses 

• Separate gas tokens and unpredictable fees

• Multiple apps or bridges

• Delays and uncertainty when moving value across borders

The Gap Between Holding USDT and Using It

USDT adoption continues to grow. In Q2 2026 alone, Tether reported that its global user base increased by more than 30 million users. In its latest report, 88.2% of 2.2 billion onchain USDT transfers in Q4 2025 were worth less than $1k, showing how much activity already happens at amounts relevant to individual users.

Sending USDT can still require users to choose a network, confirm that the recipient supports it, copy a wallet address, maintain another token for gas, and move between multiple applications.

StablePay is built to remove that complexity.

It turns USDT from a balance users hold into money they can pay, receive, request, and put to work from one simple app.

Everyday USDT Payments in One App.

StablePay is built around what the user wants to do:

Pay. Receive. Request. Earn.

To make a payment, users select an amount and find the recipient through their name, email address, phone number, StableName, or QR code. Transfers are instant and at no cost. Both parties receive confirmation when the payment is complete.

This simplifies the user experience as StablePay abstracts all the friction points such as choosing a blockchain, asking recipients long wallet addresses. They enter an amount, confirm the recipient, and pay.

That distinction is essential for everyday use. Infrastructure decisions that are manageable during an occasional crypto transfer quickly become unnecessary friction when payments happen regularly.

How StablePay Delivers a Simple Payment Experience

StablePay is the everyday app for global USDT payments, live on iOS and Android across 160+ countries. It is self-custodial and built directly on StableChain. 

The core experience includes:

• Instant, free transfers between StablePay users, 24/7.

• Pay by StableName, email, phone number, or QR code. No long addresses required.

• Request payments via link or QR

• Add funds from wallets, exchanges, or supported fiat methods

• Withdraw to external wallets or exchanges in a few taps

• Built-in StableEarn so idle balances can earn yield without leaving the app.

StablePay brings these actions into one connected experience so users can focus on what they want to do with their USDT balance rather than evaluating the infrastructure required to do it.

Why SableChain Matters

The simple payment experience is supported by the infrastructure designed specifically around USDT. 

StableChain uses USDT for payments and gas, provides sub-second finality, and keeps transaction costs predictable. These properties give StablePay the foundation to abstract network complexity and offer instant, free payments between StablePay users.

StablePay sits on top of that infrastructure and hides the complexity. The blockchain becomes invisible; the money just moves.

One Balance, Multiple Uses

Receiving USDT should not create another series of steps before the money becomes useful.

Consider someone who is paid in USDT for freelance work. The funds may initially arrive in a wallet, but using them can require moving them to an exchange, converting or withdrawing a portion, and then making a payment through another app.

The value moves, but the experience remains fragmented.

With StablePay, once funds arrive, a user can:

• Pay another StablePay user.

• Respond to a payment request.

• Send money to a friend or family member.

• Keep funds available for future payments.

• Access StableEarn for USDT that is not immediately needed.

• Withdraw to an external wallet or exchange.

Users can also add funds from a supported wallet, exchange, or fiat payment method. External transaction costs and withdrawal fees are shown before confirmation, giving users visibility before their funds move.

This makes StablePay more than an interface for isolated transfers. It gives users a place where USDT can arrive, remain available, move again, or be put to work.

Put Idle USDT to Work

Everyday balances are not constantly in motion.

Money often sits between the moment it is received and the moment it is needed. In traditional financial products, users may need to move these funds into a separate savings product to earn on them.

StablePay brings access to StableEarn into the same application used for Payments

Users can browse available vaults, deposit USDT, monitor their position, and withdraw through the app. This gives them the option to put idle funds to work without leaving the Stable ecosystem or navigating a separate onchain application.

The payment balance and the earning experience remain distinct, but they are connected through one interface.

The Thesis

Stablecoins have already made digital dollars easier to hold and move globally. The next challenge is making them easier to use in our daily lives.

Users should not have to think about networks, wallet compatibility, gas tokens, or settlement mechanics before making a payment. 

StablePay simplifies that experience by bringing the core actions around USDT into one place: pay, receive, request, and earn. Built on StableChain, it keeps the infrastructure in the background while giving users a familiar way to use USDT day to day.

From holding USDT to using it as everyday money, with StablePay.

Download StablePay and and start using USDT every day:

App Store: stablepay.to/app-store

Google Play: stablepay.to/play-store

Build on Stable

• StablePay: https://www.stablepay.to/

• Documentation: https://docs.stable.xyz

• Mainnet Hub: https://hub.stable.xyz

• Blog: https://blog.stable.xyz

• X: @Stable

• Community: https://discord.gg/stablexyz

Welcome to the tenth edition of The Stable Standard, where we share progress across Stable and the broader shift toward stablecoin-native financial infrastructure.

This month marked a major step forward with the launch of StablePay, bringing instant global USDT payments to users across 160+ countries. StableChain also reached a new daily activity record, processing more than one million transactions in a single day while maintaining sub-second block times.

Key Takeaways

• Launched StablePay, the everyday app for instant global USDT payments, now available on iOS and Android across 160+ countries.

• Expanded access to StableEarn through StablePay, allowing users to earn yield on idle USDT balances directly in the app.

• Network activity reached new peaks, including 1M+ transactions in a single day, with sub-second blocks maintained throughout.

• Published two new Stable Build editions on building stablecoin neobanks and programmable USDT treasuries.

• Transaction volume surged by more than 700% over a two-day period, with RPC capacity expanded to meet demand.

• Expanded institutional and ecosystem support with Chainalysis, Cactus Custody, Philidor Labs and more.

• Expanded trading access through Ave, GMGN, and GeckoTerminal.

• Released the collaborative Agentic Payment Whitepaper with Interlace and partners.

Network Growth

StableChain saw its strongest period of network activity to date during July.

Month-end network metrics:

• 21M+ total transactions processed, up ~193% from June.

• 280k+ total addresses, up ~509% from last month.

• 23k+ smart contracts, up ~288% from June.

• 12K+ tokens on the network.

The network also processed 1M+ transactions in the last 24 hours, reflecting growing activity across payments, trading, smart contracts, and application deployments. StableChain maintained sub-second block times as activity reached a new daily all-time high.

StablePay Is Live

July marked the global launch of StablePay, the everyday app for global USDT payments.

StablePay is now live on iOS and Android across more than 160+ countries, bringing everyday USDT payments, requests, withdrawals, and StableEarn into a single-app experience.

With StablePay, you can:

• Send and receive USDT instantly, 24/7.

• Send USDT to other StablePay users at no cost.

• Pay using a StableName, email address, phone number, or QR code.

• Request payments through a link or QR code.

• Add funds from a crypto wallet, exchange, or supported fiat payment method.

• Withdraw USDT to external wallets and exchanges.

• Access StableEarn directly within the app.

Explore the StablePay guide here.

StablePay is designed to remove the complexity commonly associated with stablecoin payments. Users do not need to manage long wallet addresses, separate gas tokens, or multiple applications to move and manage their USDT.

Whether splitting a bill, sending money home, paying someone abroad, or receiving a global payment, StablePay makes moving USDT as simple as sending a message.

We also published a complete StablePay guide covering account creation, funding, payments, requests, Earn, security, and withdrawals.

Download StablePay: 

App Store, Google Play 

Read the launch announcement here.

StableEarn

StableEarn continued to expand throughout July, making it easier for users to put idle USDT to work without leaving the Stable ecosystem.

With the launch of StablePay, users can now access StableEarn directly within the app.

Users can deposit USDT into available vaults, track their positions, and withdraw funds through the same interface they use for everyday payments.

Explore StableEarn.

Stable Build

In July, we released two new Stable Build editions to continue exploring how developers can build on Stable's payment, settlement and yield infrastructure into production-ready financial applications. The two editions explored:

Stable Build #2: Build a Neobank explored how to create the core components of a stablecoin neobank using the Stable SDK. The guide covered account management, bridging USDT onto StableChain, instant transfers, token swaps, StableEarn deposits, withdrawals, and balance tracking through a unified developer interface. Together, these components provide a simpler foundation for wallets, payroll platforms, savings products, card programs, and consumer financial applications. Read the full guide here.

Stable Build #3: A Programmable Stablecoin Treasury for USDT Payouts showed how businesses can build a treasury system that executes payments only when they meet predefined rules. The guide covered approved recipients, invoice verification, payout limits, multi-party approvals, daily spending controls, and transaction signing through Portal's MPC wallet infrastructure, providing a practical framework for automating secure and policy-controlled USDT payouts. Read the full guide here.

Community and Ecosystem Updates

Throughout July, Stable continued to expand access to StableChain while strengthening the infrastructure available to users, traders, developers, and institutions.

Institutional & Compliance

• Chainalysis extended automatic token support to Stable. Institutions and businesses can now seamlessly monitor assets, screen addresses, and investigate transactions with real-time KYT monitoring without manual token onboarding. Learn more here.

• Cactus Custody integrated with Stable, enabling institutions to securely store, manage, and transact assets on StableChain through institutional-grade custody infrastructure. Learn more here.

• Philidor Labs went live on Stable, providing independent risk scores, TVL, and live lending data for Morpho vaults, including StableEarn. Learn more here.

Agentic Payments & Industry Conversations

• Stable joined the collaborative Agentic Payment Whitepaper “Building the Value Transfer Layer for the AI Economy”, initiated by Interlace together with seven ecosystem partners including Stable, was officially released. The whitepaper outlines a shared network of secure, compliant, and interoperable AI-native payment systems, with Stable powering the USDT-native settlement layer for agentic payments. Learn more here.

• Our CEO, Brian Mehler, appeared on the Stabledash podcast to discuss stablecoin adoption, institutional use cases, payment infrastructure, and the regulatory developments shaping the industry. Learn more here.

• Stable partnered with Billions Network to bring verified identity to the agentic payments stack on Stable, combining trusted identity for AI agents with Stable’s payment infrastructure. Learn more here.

• Our CEO, Brian Mehler, participated in a KuCoin X Space alongside the launch of StablePay, discussing global payments, AI, and the growing onchain economy. Learn more here. 

Meme Season & Trading Platforms

• Stable was added to GeckoTerminal (by CoinGecko), allowing users to explore tokens, pools, liquidity, and trading activity across the ecosystem in real time. Learn more here.

• GMGN.ai went live with Stable support for token discovery and trading, with app support coming soon)

• Ave fully integrated StableChain, enabling users to trade meme tokens and other assets directly through their platform. The Ave × Stable Trading Competition with 8K+ USDT in rewards is now live. Learn more here.

• ​​Based now supports Stable, allowing users to swap tokens on StableChain directly on Based. Learn more here.

• Strong community activity around memecoins drove record transaction volume. Check out our tweet to learn more.

What’s Ahead

As activity across StableChain and StablePay continues to grow, our focus remains on strengthening the infrastructure and products required to support stablecoin payments at scale.

Upcoming work remains focused on:

• Stable will be a sponsors KBW 2026, connecting with builders, partners, and institutions across the ecosystem.

• StablePay: Continuing to improve the product experience and expanding the ways users can fund, send, receive, earn, and withdraw USDT.

• StableChain performance: Advancing protocol improvements focused on higher throughput, more efficient transaction processing, and greater predictability under sustained demand.

• Ecosystem growth: Strengthening integrations across wallets, exchanges, custody providers, analytics platforms, and trading applications.

• Developer ecosystem: Expanding the Stable SDK, technical documentation, and Stable Build resources for payment and treasury applications.

Stable remains focused on building the infrastructure and products that make global USDT payments faster, simpler, and more accessible.

Build on Stable

• Documentation: https://docs.stable.xyz

• Mainnet Hub: https://hub.stable.xyz

• StablePay: https://www.stablepay.to/

• Blog: https://blog.stable.xyz

• X: @Stable

• Community: https://discord.gg/stablexyz

Thank you for building with Stable.

The next issue of The Stable Standard will arrive next month.

Your supplier payout starts with an invoice, an approved address, and an amount. Your policy service checks those facts. A Portal wallet signs the transaction, and Stable settles it in USDT0, the omnichain version of USDT that also pays for gas on Stable.

The wallet protects the signing material. Your code decides whether the payment should exist.

What is a programmable treasury?

A programmable treasury turns your payment policy into a check that runs before the wallet signs.

Suppose an operations lead can pay approved suppliers up to $5,000. A controller must co-approve anything larger, and the company caps supplier payouts at $100,000 per day. You store those rules beside the invoice records they govern.

Portal gives the organization an MPC wallet, short for multi-party computation. MPC distributively generates cryptographic signing material so no stored share carries the whole signing authority. Stable gives that wallet a dollar balance whose transaction fees come from the same asset. Your finance team sees one USDT0 balance instead of a payment balance plus a separate gas token.

What does the architecture look like?

You need four components: a payout service, a policy service, a Portal wallet, and Stable settlement.

Create one Portal client for the treasury and keep its client signing share in your protected backend. Portal stores the other share. Use the sendAssets function from Portal to specify the transaction you want to execute. Portal signs and broadcasts it against Stable's RPC. Your policy service gets the final say.

Where do spending rules run?

Your spending rules run in Portal's pre-sign approval path, immediately before the wallet signs a transaction.

Enable Signature Approvals and point the webhook at your policy service. Portal sends the chain ID, client ID, and signing request. Return a 2xx status to allow it or 400 to deny it. Portal denies the request if your service does not answer within 30 seconds.

const decision = await policy.authorize({
  invoiceId: "INV-2048",
  supplier: "0x7a2e...91c4",
  amount: 12_400,
  approvals: ["ops-lead", "controller"],
  idempotencyKey: "INV-2048:0x7a2e...91c4",
});

console.log(decision);

{ allowed: true, rule: "two-approver-threshold", reservedDailyTotal: 47400 }

Reserve the daily spend in the same database transaction that returns allowed: true. If $10,000 remains under the cap, two concurrent $7,000 requests must not both pass. Put a unique constraint on the idempotency key too. A retry should find the first payment, not create its twin.

How does a supplier payout move?

You submit one USDT0 transfer after the policy service records an approved payment intent.

import { parseUnits, toHex } from "viem";

const response = await fetch(portalSignUrl, {
  method: "POST",
  headers: {
    Authorization: `Bearer ${portalClientApiKey}`,
    "Content-Type": "application/json",
    "Idempotency-Key": invoice.id,
  },
  body: JSON.stringify({
    share: treasurySigningShare,
    method: "eth_sendTransaction",
    params: {
      from: treasury.address,
      to: invoice.supplierAddress,
      value: toHex(parseUnits(invoice.amountUsdt0, 18)),
      data: "0x",
    },
    rpcUrl: stableRpcUrl,
    chainId: "eip155:988",
  }),
});

const { data: txHash } = await response.json();
console.log({ invoiceId: invoice.id, txHash });

{ invoiceId: "INV-2048", txHash: "0x8f3a...2d41" }

Keep invoice.amountUsdt0 as a decimal string so JavaScript never rounds the payment. Stable's mainnet configuration uses 18 decimals for native USDT0, which is why parseUnits receives 18. Stable charges the fee from that same balance.

Do not mark the invoice paid when you receive the hash. Store the hash, wait for a successful receipt, and then move the invoice from submitted to paid. A reverted transaction still has a perfectly real hash.

How do you keep a payout batch moving?

You keep a payout batch moving by separating submission lanes and reserving capacity for priority transfers.

Stable's independent nonce channels let one treasury wallet submit transactions on parallel sequences, so one stuck payout does not block every later one. The default channel preserves normal EVM behavior. Confirm that Portal supports Stable's custom transaction envelope before you use the additional channels through its signer.

Guaranteed Blockspace reserves per-lane gas capacity for priority traffic. It does not replace your retry logic. Underneath that, Stable's execution layer runs non-conflicting transactions in parallel, rechecks only affected senders after commit, and persists changes through an append-only log against a memory-mapped snapshot.

How do you delegate payment authority?

You delegate payment authority by giving a worker wallet an exact token allowance, then keeping recipient and invoice checks in the same policy path.

Portal's token delegation API builds ERC-20 approvals and lets a delegate call transferFrom. USDT0 supports those operations on Stable. Pass its contract address, not NATIVE. An allowance caps how much the delegate can move. It does not restrict the destination or attach the transfer to an invoice.

Approve the amount needed for the current payout window, inspect every delegated transfer, and revoke unused allowance. Stable's USDT0 balance can decrease through transferFrom without calling wallet code, so your reconciler must read the real onchain balance. Never treat your internal ledger as proof of solvency.

What should you record after each payment?

You should record the payment intent, policy decision, transaction hash, and final receipt as separate events.

That sequence gives finance an audit trail and gives engineering a precise place to resume after a crash. If the process dies after broadcast but before your database update, retry with the same Portal idempotency key and inspect the wallet nonce before creating a new payment.

Contract calls can use the same boundary. If you later move idle funds into a Morpho vault or claim Merkl rewards, decode the calldata and allow only the expected contract address, function selector, and amount. Arbitrary calldata turns a narrow treasury role into full wallet access.

Check before going to production

Stable mainnet uses chain ID 988, Portal chain identifier eip155:988, and the RPC endpoint rpc.stable.xyz

Test the failures that move money twice: concurrent cap checks, webhook timeouts, duplicate invoices, reverted transactions, and a delegate spending its remaining allowance

Start Building

With policy checks, signing controls, and reconciliation logic in place, you can build a programmable treasury that moves USDT0 on Stable according to clearly defined rules, recovers safely from failures, and scales supplier payouts without giving up control. 

If you're building on Stable, find us in Discord and tell us what you're shipping.

To learn more about StablePay visit stablepay.to 

Creating an Account

1. Download StablePay from the App Store or Google Play.

2. Tap “Sign Up” to begin.

3. Enter a valid email address and phone number; StablePay verifies both to keep your account secure.

4. Once verified, your StablePay account is ready to send and receive USDT.

Tip: Before you do anything else, turn on two-factor authentication (2FA) under Account > Two-Factor Authentication. Select a passkey (Face ID, fingerprint) for the strongest protection, or a 6-digit passcode as a backup.

Adding Funds To Your Account

To get started, you will need to add funds to your account via a transfer or a deposit

From another StablePay user: Share your @Stablename, username, or QR code to receive USDT directly. You can also go to the Request tab to send a request or generate a payment link.

From an external wallet: Transfer USDT from another crypto wallet or exchange into StablePay. These deposits depend on blockchain confirmation times, so they may take a little longer during periods of high network activity.

Incoming funds automatically appear in your wallet, and you'll receive a confirmation notification the moment they arrive.

Transfer Money to Anyone, Anywhere

Once you have a balance, sending money is just a few taps:

1. Tap “Pay” on your home screen.

2. Enter the amount and add an optional note.

3. Search for your recipient by name, email, @Stablename, or phone number, or, when in person, you can scan their QR code.

4. Double-check the details, then confirm.

5. The transfer process is instant, and both you and the recipient receive a notification.

Sending money between StablePay users is completely free. If you're sending to an external wallet, a small network fee applies based on blockchain conditions and is always shown clearly before you confirm.

Need to request money? Use the Request button, enter an amount and note, and the recipient can pay you with one tap. Unpaid requests expire automatically after 48 hours.

Earn Yield on idle USDT balances

Put your idle USDT to work directly through StablePay

1. Tap “Earn” on your home screen to browse available vaults.

2. Select a vault, then tap “Deposit & Earn”.

3. Enter your deposit amount and tap “Continue”.

4. Review the details, then confirm the deposit.

5. The transfer process is instant, with your earnings displayed on the summary page.

Withdraw Your USDT

When you're ready to move your USDT from StablePay to an exchange or another crypto wallet, the process is also simple and straightforward. 

1. Tap "Account" in the top-right corner and navigate to "Withdraw Funds"

2. Select your desired chain and token

3. Enter the destination address and withdrawal amount

4. Verify all details carefully before proceeding. 

5. Confirm the transfer. A standard network fee applies, and the amount is shown upfront.

6. Track its progress in your Activity tab while it processes on the blockchain. Withdrawal times and fees depend on the destination and token.

Additional Tips

Stuck transfer? Refresh the app first. If a StablePay-to-StablePay transfer remains pending after 5 minutes, contact support with your transaction ID.

Missing funds? Check your transaction history. For external transfers, verify your transaction hash on a block explorer.

Suspicious message? StablePay will never ask for your password or 2FA code. Report any unusual activity to support@stablepay.to.

Have questions? Visit our Help Center at https://www.stablepay.to/help to find troubleshooting guides and answers.

Sending money home, paying a friend, or getting paid abroad are everyday payments, yet global payments still come with delays, costs, wallet addresses, multiple steps, and friction.

That’s why we built StablePay.

StablePay is your everyday app for global USDT payments, designed to make moving money feel simple, instant, and accessible from anywhere, at no cost. When you're not spending your USDT, you can also earn yield with StableEarn, available directly in the app.

Experience a simpler way to send money every day. Download StablePay today on the App Store and Google Play. Learn more at stablepay.to.

Tap. Send. Done.

Stable on X (formerly Twitter): "StablePay is now live.Send USDT to anyone, anywhere 🌍Simple, instant, no-cost everyday payments.Built for how money should move.Download StablePay today: https://t.co/C1h3ano5ym pic.twitter.com/2lRNjcSXsL / X"

StablePay is now live.Send USDT to anyone, anywhere 🌍Simple, instant, no-cost everyday payments.Built for how money should move.Download StablePay today: https://t.co/C1h3ano5ym pic.twitter.com/2lRNjcSXsL

https://x.com

Designed for Everyday Payments

StablePay brings everyday USDT payments and Earn into a single mobile app.

With StablePay, you can:

• Send and receive USDT instantly, anywhere, 24/7, at no cost.

• Earn yield on your idle USDT balance with StableEarn, available directly in the app.

• Add funds from a crypto wallet, exchange, or supported fiat payment method.

• Pay using a simple StableName, email or phone number. No wallet address required.

• Withdraw to any crypto wallet in just a few taps.

Whether you are splitting a bill, paying rent, sending money home, or getting paid, StablePay makes everyday payments simple.

No delays. No fees. No friction. Just money that moves at the speed of the internet.

Stablename: An Effortless Way to Move Money

StablePay makes sending and receiving USDT feel simple from the moment you open the app. With Stablename, users can create a simple identity to send and receive payments without relying on long wallet addresses.

Choose your Stablename. No wallet addresses required to pay.

Sending money should feel as easy as sending a username.

The Future of Global Payments

Stablecoins are already changing how money moves across the world. The next step is making those payments feel effortless in everyday life.

At Stable, we believe sending and receiving money globally should feel instant, accessible, and as natural as sending a message. No friction, no complexity, and no borders.

StablePay is built for that future.

A future where global payments feel simple by default, and where your USDT can continue working for you through StableEarn when you're not spending it.

StablePay is now live. 

Ready to move money at the speed of the internet?

Download on the App Store

Get it on Google Play

A stablecoin neobank keeps that balance in dollars on a chain. Transfers settle in seconds instead of days, a payout to another country is the same call as a payout across town, and yield comes from onchain lending markets rather than a treasury desk.

Building one usually means stitching together a bridge provider, a payments rail, a yield protocol, and gas management, each with its own SDK, decimals, and failure modes. On Stable, those pieces sit behind one client.

If you're shipping a global spending app, a payroll product, a savings app for users whose local currency is the problem, or a card program, you're building the same five components. This post maps each one to the @stablechain/sdk call that implements it.

So what would the tiniest neobank look like?

The tiniest neobank on Stable is a single call: an amount moving between two addresses, with the fee settled in the same dollars it moves.

That works because the balance asset here is USDT0, the multichain variant of USDT, and gas is denominated in it too. A user with fifty dollars can spend fifty dollars. There is no native token to acquire first, and no gas balance to explain in your onboarding flow.

The SDK is moving quickly. The snippets below are accurate at the time of writing, but the SDK reference is always the source of truth.

const { txHash } = await stable.transfer({
  from: "0xSender",
  to: "0xRecipient",
  amount: 10,
});

{ txHash: "0x8f3a...2d41" }

The SDK fetches token decimals on-chain and settles gas in USDT0 automatically. amount: 10 means ten dollars.

How do you handle user accounts?

An account on Stable is an address plus a signer, and who holds the key is a product decision the chain doesn't make for you.

An embedded wallet gives each user their own signer; a custodial backend keeps one signer and an internal ledger. The SDK doesn't care which you pick, because createStable takes any viem-compatible account. What it does separate for you is the write path from the read path: dashboards and balance screens shouldn't need a key, so createStableReader builds a read-only client from nothing but an address.

import { createStable, createStableReader, Network, STABLE_VAULT_ADDRESS } from "@stablechain/sdk";

// Write path: any viem-compatible signer
const stable = createStable({ network: Network.Mainnet, account });

// Read path: an address is enough
const reader = createStableReader({
  network: Network.Mainnet,
  earn: { vault: STABLE_VAULT_ADDRESS },
  address: user.address,
});

const { assets } = await reader.earn.position();

{ assets: 1250.42, sharesFormatted: 1248.9, assetAddress: "0x779D...3736", ... }

The reader needs no key and no connected wallet, which is exactly what a backend rendering ten thousand balance screens wants.

How do users deposit money?

Users deposit by bridging stablecoins they already hold, whether sitting in a wallet on another chain or withdrawn from an exchange, into USDT0 on Stable; a fiat on-ramp lands the same way, one hop earlier.

Most of your early users already have USDT somewhere, and exchanges are the most common somewhere. A withdrawal to Ethereum mainnet puts that USDT exactly where the snippet below picks it up. From there it's a two-call pattern: quoteBridge returns the expected output for the user to confirm, andbridge executes against that exact quote, moving the funds through LI.FI.

import { CHAIN_CONFIGS, Chain, STABLE_USDT_ADDRESS } from "@stablechain/sdk";

const params = {
  fromChain: Chain.Ethereum,
  toChain: Chain.Stable,
  fromToken: CHAIN_CONFIGS[Chain.Ethereum]!.usdt, // USDT on Ethereum
  toToken: STABLE_USDT_ADDRESS,                   // USDT0 on Stable
  amount: 100,
};

const quote = await stable.quoteBridge(params);
// show quote.toAmount, then execute against the quote the user confirmed
const { txHash } = await stable.bridge({ ...params, quote });

{ toAmount: 99.94 }
{ txHash: "0xabcd...7890" }

Pass recipient to land the funds in the user's address rather than the signer's, which is how a treasury-funded onboarding flow works. If a user arrives holding something that isn't USDT, swap routes it into USDT0 inside the same client. Routing, approvals, and chain switching are handled internally.

Where does yield come from?

Yield comes from lending: idle USDT0 deposits into a Morpho-backed vault (StableEarn) that supplies onchain lending markets, and the vault's rate is what your users see as their savings APY.

This is the savings-account leg of the product. deposit moves a balance into the vault, the reader hands the live position and APY back for the dashboard, and preview projects yield over a horizon, which is the "deposit $1,000, earn about $58 this year" line every savings app puts on its deposit screen. How you surface those numbers to end users is a compliance decision in several jurisdictions; the SDK gives you the figures, the display is your call. Merkl incentive rewards stack on top: incentiveRewards.fetch and .claim collect every reward token in one transaction, proofs included, and the reader exposes the same fetch without a signer.

const { txHash } = await stable.earn.deposit({ amount: 100 });

const { apy } = await reader.earn.getYield();
const { projectedYield } = await reader.earn.preview({ amount: 1000, horizonDays: 365 });

{ txHash: "0x41c7...9be2" }
{ apy: 0.058, native: 0.041, rewards: [...], ... }
{ projectedYield: 58.31, apy: 0.058, horizonDays: 365 }

At scale you won't deposit one balance at a time. A nightly sweep is bulkDeposit: it takes the whole batch, attempts every item, and returns per-item results, so three failed accounts don't sink the other ten thousand.

const { succeeded, failed, results } = await stable.earn.bulkDeposit(
  idleBalances.map((amount) => ({ amount })),
  { idempotencyKey: "sweep-2026-07-07" },
);

{ succeeded: 9997, failed: 3, results: [...] }

Approvals, permit signatures, and share math happen behind the scenes. Pass idempotencyKey so a retried call, or a re-run sweep, joins the in-flight operation instead of sending a second one.

How do withdrawals and payouts work?

Withdrawals pull USDT0 out of the vault by asset amount (withdraw) or by share count (redeem), and a payout from there is a transfer on Stable or a bridge back out to another chain. A payroll run is the same shape at batch size: bulkWithdraw frees the balances, then the transfers go out.

Vault liquidity is the one place a savings product can surprise its users, so check it first. withdrawability tells you whether an amount exits instantly and how much idle liquidity the vault holds; when idle liquidity is short, forceWithdraw and forceRedeem deallocate from the underlying markets in the same call.

const { isInstant, availableLiquidity } = await reader.earn.withdrawability({ amount: 500 });

if (isInstant) {
  await stable.earn.withdraw({ amount: 500 });
}

{ isInstant: true, availableLiquidity: 182304.11, tokenDecimals: 6 }

Share-to-asset conversion and vault accounting are handled for you. The payout itself is the same transfer call from the first section.

Architecture at a glance

Get started

npm install @stablechain/sdk viem and you have the client. The SDK quickstart walks through your first transfer and deposit on testnet.

Start building

The SDK reference is the canonical surface for every method and parameter. If you're building on Stable, find us in Discord and tell us what you're shipping.

Welcome to the latest edition of The Stable Standard, where we share progress across the Stable Network and the broader shift toward stablecoin native financial infrastructure. This month, we cover the launch of SDK v0, continued progress toward StablePay, expanding ecosystem, and growing network activity.

Key Takeaways

• Mainnet activity surpassed 7.18M transactions, 46.6K addresses, and 6K+ deployed contracts

• StableEarn became one of the leading USDT yield vaults on Morpho, reflecting strong adoption of Stable’s treasury infrastructure. Explore the StableEarn Vault here.

• Launched Stable SDK v0, enabling developers to build USDT-native applications.

• Continued progress toward StablePay launch, previewing fast, seamless, and no-cost USDT payments for everyday use.

• Joined the Mesh Alliance Program, expanding USDT-native settlement across exchanges, wallets, and payment platforms.

• Collaborated with Interlace and other ecosystem partners on the Agentic Payment Whitepaper initiative, advancing standards for AI-native commerce and programmable payments.

• Expanded Stable’s presence across conversations on global payments, AI-native finance and stablecoin infrastructure.

With new developer infrastructure, growing ecosystem collaboration, and continued momentum toward StablePay this month, June marked another step forward in making stablecoin payments seamless and more accessible.

Network Growth

Stable continued to see steady network activity throughout June: 

• 7.18M+ total transactions processed (~160% increase from May)

• 46.6K+ total addresses

• 6k+ smart contracts deployed (up ~4% from May)

• 562 tokens on the network

The network also processed over 127K transactions in the last 24 hours, reflecting continued activity across payments, smart contracts, and developer deployments.

Stable SDK v0

June marked one of the biggest milestones yet for developers building on Stable with the release of Stable SDK v0.

The SDK provides a unified interface for building USDT-native applications, abstracting much of the complexity involved in cross-chain stablecoin infrastructure.

Developers can now:

• Transfer USDT0

• Bridge assets across supported networks

• Execute token swaps

• Abstract routing and approvals

• Integrate StableEarn directly into applications

The SDK also introduces native support for StableEarn, allowing applications to deposit assets, withdraw funds, claim rewards, and access live APY and position data through a single developer experience.

Whether building wallets, neobanks, payroll platforms, treasury tools, or payment applications, the SDK serves as the foundation for Stable's payment and yield infrastructure.

To learn more, follow Stable Build, a new technical series focused on helping developers ship production-ready applications on Stable.

StablePay (Launching soon)

Throughout June, we continued the progress toward everyday stablecoin payments by advancing StablePay, our upcoming consumer payments app designed to make everyday USDT payments simple.

This month, Stable had the following announcements:

• Introduced no-cost payments as one of the core product promises.

• Shared the first public previews of the StablePay experience. For example: https://x.com/Stable/status/2069794481441005759?s=20

• Showcased how StablePay aims to simplify global USDT transfers for everyday use. Read more here: https://x.com/Stable/status/2067973865113047460?s=20

As development continues, StablePay represents the next step in making global USDT payments fast, accessible and frictionless.

Stay tuned for the launch. 

StableEarn

StableEarn continued to see rapid adoption throughout June, becoming one of the leading USDT yield vaults on Morpho. The milestone highlights growing demand for capital-efficient treasury management and native yield opportunities on Stable.

Stable Thesis #2

This month, we also published Stable Thesis #2, continuing our series exploring real-world stablecoin use cases and infrastructure trends. This edition explores the challenge of idle balances held by payment providers, fintechs, exchanges, global businesses and how StableEarn enables capital efficiency without sacrificing liquidity or accessibility.

Read the full thesis here: https://blog.stable.xyz/stablecoins-as-treasury-infrastructure-or-stable-thesis

Community & Ecosystem Updates

In June, Stable continued to expand its presence in conversations around AI-native commerce, programmable finance, and stablecoin infrastructure while strengthening partnerships across the broader digital asset ecosystem.

• Stable joined Interlace in the Agentic Payment Whitepaper, a collaborative initiative exploring the standards and architecture needed for AI-native finance. The whitepaper will be announced on July 17 during Interlace x BlockSec's seminar. It outlines a shared vision for agent-driven payments and highlights Stable’s role as a USDt-native settlement layer. Learn more here.

• We also joined the Mesh Alliance Program as a gold member, expanding access to USDT-native settlement across Mesh’s network of exchanges, wallets, and payment providers. The partnership helps strengthen interoperability and makes it easier for businesses and developers to integrate stablecoin payments into existing financial infrastructure. Learn more here.

• Stable joined the world’s first collaborative AI agentic movie, powered by x402 and led by Billions Network. The initiative brought together more than 500 AI builders to explore how autonomous agents can create, collaborate, and transact, highlighting the growing need for fast, reliable payment rails built for AI-native applications. Learn more here.

• Our CEO, Brian Mehler, joined Cregis to discuss the evolving regulatory landscape for stablecoins and the future of global payments. The conversation explored the challenges of regulatory fragmentation, the need for unified compliance frameworks across jurisdictions, and Stable's vision to enable a seamless global financial infrastructure. Read more here.

  

  Cregis

  @0xCregis

  In crypto, money moves globally, but regulation does not.
  
  At #MicupVol15, Brian Mehler at @Stable highlighted the ongoing challenge of regulatory fragmentation, where compliance teams must navigate different jurisdictions, changing rules, and inconsistent standards. The

  

  2

  6:28 AM • Jun 4, 2026

What’s ahead

As stablecoins continue to grow, our focus remains on building the infrastructure and products that make stablecoin payments faster and simpler for businesses, developers and everyday users.

Upcoming work remains focused on:

• StablePay: Preparing for the launch to bring fast, no-cost payments to everyday use.

• Developer Ecosystem growth by expanding the SDK, tooling, and documentation to help developers build with Stable.

• Ecosystem growth: Strengthening partnerships and integrations to grow Stable’s payment infrastructure adoption.

As stablecoin adoption continues to grow, Stable remains committed to building the infrastructure that powers the next generation of global payments.

Build on Stable

• Documentation: https://docs.stable.xyz

• Mainnet Hub: https://hub.stable.xyz

• Blog: https://blog.stable.xyz

• X: @Stable

• Community: https://discord.gg/stablexyz

Thank you for building with Stable.

The next issue of The Stable Standard will arrive next month.

• Stablecoins excel at quick global movement, but much of that money remains unused between payments.  

• The next phase of stablecoin adoption also focuses on capital efficiency: viewing USDT not just as a payment tool but as a valuable treasury asset.  

• Businesses, fintechs, exchanges, and DAOs are missing out on significant earnings from large USDT balances.  

• StableEarn provides top-tier treasury management specifically designed for USDT-based operations.  

• Payments transfer value. StableEarn ensures that value works while it waits.  

• The future of stablecoin infrastructure merges high-performance payments with smart treasury management in a single cohesive system. 

Stablecoins have changed how money moves around the world. Businesses can complete transactions more quickly, tap into global liquidity, and function beyond traditional banking hours. Tasks that once took days can now occur in minutes, creating a more efficient framework for value transfer.  

However, moving money is only part of the picture.  

As businesses, fintechs, payment providers, and digital asset platforms increasingly hold stablecoin balances for operations, a new challenge arises: what happens to the capital that remains idle?  

The next phase of stablecoin adoption is not just about transferring funds more efficiently. It's about managing those funds more effectively. Treasury management is becoming an increasingly important layer of the stablecoin economy, helping organizations optimize liquidity, maintain operational flexibility, and make better use of capital held onchain.

Just as stablecoins redefined payments, they are beginning to reshape how treasury management works in an always-on financial system.

The Hidden Cost of Idle Capital

Every business needs liquidity.

Whether it’s a fintech processing customer payments, an exchange managing operational reserves, or a global company handling cross-border transactions, capital often remains idle between when it is received and when it is used.  

In traditional finance, treasury teams actively manage these balances. Cash is spread across different financial instruments to maintain liquidity while enhancing capital efficiency. The aim is simple: keep funds accessible without leaving them completely unproductive.  

The same challenge now exists in the stablecoin economy.

As organizations hold operational balances in stablecoins like USDT, large sums of capital may sit unused for days, weeks, or even months. While this money is available for payments and settlements, it may not be contributing to broader treasury goals.  

This presents a new opportunity for businesses using stablecoins. Instead of seeing stablecoins just as a payment or settlement tool, organizations can incorporate them into a larger treasury strategy that balances liquidity, accessibility, and capital efficiency.  

As stablecoin adoption increases, treasury management becomes just as crucial as the movement of funds.

The Convergence of Payments and Treasuries

One major change brought by stablecoins is the merging of payments and treasury management.  

A single USDT balance can serve multiple purposes at once:

• Payment liquidity  

• Settlement capital  

• Treasury reserves  

• Operational working capital

The lines between "money used for payments" and "money held for treasury purposes" are becoming less clear.  As a result, the next generation of financial infrastructure must support both the movement and management of capital in the same system.  

StableEarn: Treasury Management for a USDT-Native World

As USDT continues to establish itself as one of the most widely used digital dollars globally, a growing number of organizations are building their financial operations around it.

This creates demand for treasury solutions designed specifically for stablecoin-native businesses.

As USDT adoption grows, treasury management becomes increasingly relevant across a range of organizations, including:

Payment Providers

Payment providers often maintain liquidity to support settlement operations and merchant payouts. Rather than keeping these balances entirely idle, treasury infrastructure can help optimize capital while preserving the flexibility needed for day-to-day operations.

Fintech Platforms

Fintechs frequently hold stablecoin balances to facilitate customer deposits, withdrawals, and transfers. As these reserves grow, efficient treasury management becomes increasingly important for maintaining liquidity while improving capital utilization.

Exchanges

Digital asset exchanges maintain operational reserves to support trading activity, withdrawals, and platform liquidity. Treasury solutions can help exchanges manage these balances more effectively without disrupting core operations.

Global Businesses

Companies operating across multiple markets are increasingly using USDT for supplier payments, payroll, and cross-border settlements. Working capital often sits between payment cycles, creating opportunities for more efficient treasury management.

As stablecoins continue evolving from transactional assets into core components of business operations, treasury management is becoming a fundamental layer of the onchain financial stack. The organizations that can efficiently manage both the movement and deployment of capital will be better positioned to operate in an increasingly digital and global economy.

This is where StableEarn fits into the broader stablecoin infrastructure story. If payment rails determine how efficiently money moves, treasury infrastructure determines how efficiently that money works while it waits to move.

StableEarn in Practice

Treasury management looks different across organizations, but the underlying objective remains the same: maintaining liquidity while making capital more efficient.

Some examples of how StableEarn can fit into treasury operations include:

• Settlement Float Management : Payment providers can optimize capital held between settlement cycles while keeping funds accessible for operational needs.

• Working Capital Optimization : Businesses holding USDT for payroll, vendor payments, or cross-border expenses can make better use of funds that would otherwise remain idle between payment periods.

• Operational Reserve Management : Exchanges and fintech platforms can manage treasury balances more efficiently while maintaining liquidity for customer activity and withdrawals.

• Cross-Border Treasury Operations : Organizations with international operations can centralize USDT-based treasury management while supporting global payment workflows.

As stablecoins become a larger part of business operations, treasury management is evolving from a back-office function into a strategic advantage. Organizations that can efficiently manage liquidity, settlement, and treasury capital from the same financial stack will be better positioned for an increasingly onchain economy.

Why StableEarn

StableEarn addresses a growing challenge in the stablecoin economy: the efficient management of idle capital.

• Capital Efficiency Without Compromise: Earn yield while keeping funds fully accessible for payments and settlements. 

• Institutional-Grade Risk Management: Built on institutional-grade treasury infrastructure powered by Theo, Morpho, and Gauntlet.

• Seamless Workflow: Move from StablePay directly into StableEarn with no bridging or fragmentation. 

• Predictable & Transparent: Fully aligned with Stable’s native USDT gas and dollar-denominated philosophy.

As stablecoins evolve from payment tools into operational capital, treasury management becomes a critical layer of infrastructure. StableEarn helps businesses put idle USDT balances to work while maintaining the flexibility and liquidity they need.

StableEarn. Treasury management that keeps operational USDT liquid, accessible, and productive.

Build on Stable

Documentation: https://docs.stable.xyz

Mainnet Hub: https://hub.stable.xyz

Blog: https://blog.stable.xyz

X: @Stable

Community:https://discord.gg/stablexyz

• USDT processed 6.3 billions of transfers alone in 2025, with a surging share of small-value transactions (majority under $100) showing clear everyday and remittance usage.

• Despite global adoption and near-instant transfers, users still face friction when trying to or send received funds due to wallets, gas fees, network choices, and fragmented apps/

• The next frontier for USDT is closing the gap between receiving the money and using it seamlessly.

• Seamless, continuous payment experiences will determine how widely USDT moves from global money to everyday transactions.

• StablePay is built for this evolution: instant, one-tap, USDT payments on an efficient native Layer 1, the StableChain.

Stablecoins have already transformed the global money movement. Moving money takes days and multiple intermediaries on traditional rails but with Stablecoins, we can send money in seconds anywhere in the world. This results in instant settlement, borderless reach, and near-zero friction for transfers.

But there is a missing piece. Once the money arrives, the experience often breaks with delays, extra steps, gas fees and fragmented apps when they want to use those funds. This applies whether sending money home or to a friend , paying a freelancer, covering everyday bills, or spending locally. Receiving funds and actually using them feels like two disconnected worlds

There is still a gap between receiving money and being able to use it seamlessly.

For stablecoins to become true everyday money, that gap must close. The next phase isn’t just faster transfers. It’s making payments feel seamless, and usable. That is the future Stable is building with StablePay, a consumer payment app coming soon.

Global transfers were the initial step. Everyday usability is what makes it real.

The Scale Achieved and the Shift Underway

Stablecoins delivered remarkable growth in 2025. Total transaction approximately 33 trillion dollars, a 72% increase YoY. USDT, the dominant stablecoin by market capitalization and real-world usage, powered a substantial share of this activity with particular strength in retail and cross-border flows.

The demand for better payment experiences is already visible:

• 6.3 billion transfers processed by USDT alone in 2025, majority of transactions under $100, indicating everyday usage.

• Average transaction cost of around $0.09

• Estimated $390 billion in annual stablecoin payment volume, more than 2× year-over-year growth

This momentum shows stablecoins moving beyond trading and large transfers. Payments, remittances and consumer use cases now drive a growing portion of volume with USDT’s availability across ecosystems, liquidity, and proven track record in emerging markets make it the preferred choice for these real-world flows. Yet despite this scale, user friction persists.

Stablecoins are not just being used for large transfers, but also for small and frequent real-world payments

Why the Stablecoin Payment Experience Needs an Upgrade

Stablecoins have reached meaningful scale. But even with this adoption, the payment experience is still not seamless.

On-chain patterns reveal the same pain points:

• Managing gas due to two token friction.

• Juggling wallets

• choosing networks

• Switching apps just to use received funds.

The demand for better is obvious. People want stablecoins not just as a bridge for remittances or payouts, but as money that works effortlessly for daily life: sending to friends, paying services, or spending immediately after receiving.

What Everyday Payments Should Feel Like

If stablecoins are to work as real-world money, payments need to feel simple and immediate.

Receiving money and using it should not be separate experiences. There should be no need to move funds across platforms, manage multiple steps, or wait before being able to transact. Payment should be continuous.

Getting paid, paying someone else, and spending should all happen within the same flow, without friction or delay. This is what everyday payments look like. Not just faster transfers, but money that works the moment it is received.

Why Stablecoins Make Sense for Everyday Payments

Stablecoins are already being used beyond trading and transfers. Their core properties make them naturally suited for everyday payments:

• Global by Default: Send and receive money across borders without relying on traditional banking rails or dealing with geographic limitations.

• Always on: Payments work 24/7, without cut-off times, weekends, or delays tied to banking hours.

• Direct and simple: Transactions can happen peer-to-peer, reducing dependency on multiple intermediaries.

• Consistent value: A digital dollar like USDT maintains a stable value, making it easier to price, pay, and manage everyday expenses.

• Low-cost at scale: Stablecoins are already used for high-frequency, low-value transactions, making them suitable for everyday use cases.

• Programmable by design: Payments can be integrated directly into apps, platforms, and workflows, enabling new kinds of user experiences.

These characteristics make stablecoins a strong foundation for everyday payments. But for this potential to fully materialize, the experience of using them needs to match their capabilities.

StablePay: Bridging the Gap Between Global Transfers and Everyday Money

Today, even simple actions like paying someone, sending money, or using funds after receiving them can involve multiple steps, switching between platforms, or dealing with wallets, gas fees, and network choices.

StablePay removes this friction. It enables instant, simple and seamless global payments.

Payments become simple and straightforward. One can send, receive, and pay USDT from a single interface. Transactions settle quickly, feel predictable, and work the same way across borders.

At its core, StablePay is designed to make stablecoins feel like everyday money:

• Instant settlement: Payments complete in seconds, without waiting or processing states.

• Cross-border by default: Payments work the same way globally, without additional steps or friction.

• Simple UX: Users don’t manage wallets, gas, or chains. The complexity stays behind the scenes.

The goal is simple. Stablecoins should feel like everyday money, not infrastructure.

The Road Ahead

Stablecoins, anchored by USDT, have laid the groundwork for a more efficient global payment system. With transaction volumes already rivaling major traditional networks and retail usage accelerating, the opportunity is clear. The next phase belongs to solutions that deliver not only speed and low costs but also delightful, frictionless everyday experiences.

StablePay brings that vision to life on Stable’s USDT-native infrastructure. It bridges global transfers with everyday reality.

StablePay is coming soon. The era of truly usable USDT payments has arrived.

Build on Stable

• Documentation: https://docs.stable.xyz

• Mainnet Hub: https://hub.stable.xyz

• Blog: https://blog.stable.xyz

• X: @Stable

• Community: https://discord.gg/stablexyz

@stablechain/sdk adds Earn alongside the existing transfer, bridge, and swap. Approvals, permits, share math, liquidity routing, and decimals are all handled internally, so a position takes the same shape as any other call you're already making.

This is the first Stable Build, our series for developers shipping products on Stable. If we ship something for you, you'll read it here first.

What you can do today

Each method maps to a real operation a stablecoin product needs: putting balances to work, taking them back out, claiming what's earned, and reading the position to show your users where they stand.

The SDK is changing quickly while we ship v1. The snippets below are accurate at the time of writing, but the SDK reference is always the source of truth.

Deposit

Move USDT0 from a user’s balance into a Morpho vault that supplies StableEarn.

const { txHash } = await stable.earn.deposit({ amount: 100 });

ERC-20 approval and permit signatures happen behind the scenes. Pass depositBuffer to cap the deposit at a fraction of the vault's idle liquidity, or idempotencyKey to deduplicate retries. See the SDK reference for the full parameter list.

Withdraw and redeem

Exit by asset amount with withdraw, or by share count with redeem.

// By asset amount
await stable.earn.withdraw({ amount: 100 });

// By share count, for closing a full position
await stable.earn.redeem({ shares: 50 });

When idle vault liquidity is short, forceWithdraw and forceRedeem deallocate from the underlying market adapters in the same call. See the SDK reference for the full Earn surface.

Incentive rewards

Fetch pending Merkl rewards and claim every reward token in one transaction, with proofs handled for you

const { rewards } = await stable.earn.incentiveRewards.fetch();
const { txHash, tokenCount } = await stable.earn.incentiveRewards.claim();

See the SDK reference for the response shape.

Read 

createStableReader returns a read-only client for positions, APY, projections, and instant-withdrawability checks. Useful anywhere a dashboard or quote screen wants the data layer without a connected wallet.

import { createStableReader, Network, STABLE_VAULT_ADDRESS } from "@stablechain/sdk";

const reader = createStableReader({

  network: Network.Mainnet,

  earn: { vault: STABLE_VAULT_ADDRESS },

  address: "0xYourAddress",

});

const { assets } = await reader.earn.position();

const { apy, native, rewards } = await reader.earn.getYield();

const { projectedYield } = await reader.earn.preview({ amount: 1000, horizonDays: 365 });

const { isInstant, availableLiquidity } = await reader.earn.withdrawability({ amount: 500 });

See the SDK reference for the response shape.

In the same client

Alongside StableEarn, SDK v0 includes the core asset movement primitives developers need. Whether you're moving assets, earning yield, or managing positions, it all happens through the same typed client.

transfer, bridge, and swap are unchanged and ship in the same stable object, with quoteBridge and quoteSwap for read-only previews. A neobank backend can move balances, move funds in from another chain, swap into USDT0, and put the rest to work, all without leaving the SDK.

Getting Started

npm install @stablechain/sdk viem and you're set. The SDK quickstart walks through creating a client, sending your first deposit, and reading a position on testnet. Grab testnet USDT0 from the faucet before running through it.

What’s next

We're shipping richer financial primitives on top of USDT, more data through the reader, and broader liquidity into the same client

Start building

The SDK overview is the canonical reference for all methods, errors, and signing modes. 

If you're building on Stable or have questions about the SDK, find us in Discord. 

We're shaping the next version now, and we want to hear what you need from the SDK. Tell us what you're building, what's missing, and what you'd like to see next.

Welcome to the latest edition of The Stable Standard, where we share progress across the Stable network and the broader shift toward stablecoin-native financial infrastructure. This month, we cover the v1.3.0 upgrade, the launch of StableEarn, growing network activity, developer ecosystem updates, programmable finance conversations, and continued progress toward StablePay.

Key Takeaways

• Mainnet activity surpassed 2.76M transactions and 5,840+ deployed contracts

• We activated the Stable v1.3.0 mainnet upgrade focused on execution safety and reliability

• We introduced StableEarn, extending Stable’s infrastructure into treasury management and capital efficiency

• We launched Stable Thesis #1, exploring stablecoins and the future of global payouts

• Continued focus on agent-native payments and programmable finance

• Development continues toward higher throughput, parallel execution, and deterministic transaction inclusion

• Our CEO Brian Mehler joined discussions across AI-native finance, RWAs, and stablecoin infrastructure

• StablePay continues progressing toward seamless global USDT transfers

May marked an important step forward for Stable’s execution infrastructure and positioning around real-world stablecoin payments.

Network Growth

Stable mainnet activity continued scaling in May as developers and applications expanded deployments across payment and settlement flows.

• 2.76M+ transactions processed

• 45.8K+ total addresses

• 5,840+ smart contracts deployed

• 611 verified contracts

This continued growth reflects increasing usage across stablecoin payments, smart contract execution, and developer activity on the network.

Mainnet v1.3.0 Upgrade

Execution Safety and Reliability Improvements

On May 13, Stable activated the mandatory v1.3.0 mainnet upgrade, focused on improving execution safety, validation, RPC reliability, and EVM consistency.

Key improvements included:

• stronger transaction and waiver validation

• tighter RPC exposure and signing controls

• improved protections around execution paths and precompiles

• fixes for gas accounting, rollback handling, and RPC consistency

Node operators were required to upgrade before the activation height to maintain compatibility with the network.

Why it matters

As stablecoin payments move toward real-world and machine-driven usage, execution reliability becomes increasingly important infrastructure.

StableEarn

Institutional-Grade Stablecoin Yield Infrastructure

This month, we introduced StableEarn,  an institutional-grade Earn experience designed to extend Stable’s stablecoin payment rails into treasury infrastructure and capital efficiency.

The first StableEarn vault launches with:

• Morpho powering the vault infrastructure

• Gauntlet curating onchain yield strategies

• Theo Network supporting RWA-backed products and yield infrastructure

The initial launch begins with a USDT vault on Morpho, designed around structured and transparent yield strategies for institutional-grade stablecoin capital management.

StableEarn expands Stable’s broader vision for stablecoin infrastructure, where capital can move efficiently and continue earning when idle. Read here.

Incentives are now live. Put your USDT to work 

Vault: https://app.morpho.org/stable/vault/0xb7Df8db22A5DBBFA9ebeb94b3910aec6a4f05c08/stable-earn

Stable Thesis #1 

This month, we launched Stable Thesis #1, a new series exploring stablecoin use cases and infrastructure trends. 

The first edition focused on how stablecoins are transforming global payouts and payroll through faster cross-border transfers, always-on settlement, and programmable payment flows. The piece also explored how Stable supports these emerging payment systems through USDT-native execution and simplified settlement infrastructure.

Read the full thesis here: https://blog.stable.xyz/global-payouts-through-stablecoin-rails-or-stable-thesis

Developer Experience

• The @stablechain/sdk:  If you're building on Stable, whether that's a neobank, a payments product, a wallet, or a treasury tool, the SDK is your backend. It lets your app move USDT0 between user balances, bridge it in from other chains, and swap between tokens. Earning yield on idle balances is coming next.

• Our documentation on the SDK quickstart walks through creating a client, sending your first transfer, and previewing a bridge or swap on testnet in about five minutes. Grab testnet USDT0 from the faucet before running through it.

Community & Ecosystem Updates

In May, Stable continued expanding its presence across conversations around AI-native finance, stablecoin infrastructure, programmable payments, and RWAs.

• Our CEO, Brian Mehler, joined a panel hosted by @rwaweek on Stablecoins & PayFi to discuss how stablecoins are evolving into core financial rails. The conversation explored internet-native payments, liquidity, wallet adoption, stablecoin issuers, and the future of global financial infrastructure. Watch the discussion here.

• Our CEO, Brian Mehler joined Water Tower Research for a discussion on Stable’s USDT-native architecture, global payment infrastructure, and the broader evolution of programmable financial systems. The conversation explored how stablecoin-native execution can support faster, more programmable global payments. Read Here.

• Stable also participated in the zCloak Network roundtable AMA, “Future Finance: Human-Led or AI-Native?”, where Brian joined alongside leaders across AI infrastructure and programmable finance. Read here.

• At the LongTree Labs interview, our CEO Brian Mehler discussed Stable’s approach to stablecoin-native gas, full EVM compatibility, developer-first UX, and building compliant infrastructure for global payments. The conversation explored how simplifying execution and improving developer experience can accelerate real-world stablecoin adoption. Watch the full interview here: https://www.youtube.com/watch?v=3XFQfzOxDmA

What’s Ahead

Toward Higher-Performance Payment Infrastructure

Stable continues building toward a higher-performance execution environment optimized for stablecoin payments, agent-driven systems, and real-time financial applications.

Upcoming work remains focused on:

• StablePay: A simplified stablecoin-native payments experience for seamless global USDT transfers

• Continued work toward parallel execution, deterministic transaction inclusion, higher throughput, and improved developer tooling

As programmable payments continue evolving, the focus increasingly shifts toward scalability, predictable execution, and production-grade infrastructure.

Build on Stable

• Documentation: https://docs.stable.xyz

• Mainnet Hub: https://hub.stable.xyz

• Blog: https://blog.stable.xyz

• X: @Stable

• Community: https://discord.gg/stablexyz

Thank you for building with Stable.

The next issue of The Stable Standard will arrive in June.

TLDR

• Global payroll infrastructure still faces delays, high fees, and operational friction.

• Stablecoins are emerging as a faster and more seamless alternative for cross-border payouts.

• Adoption is already accelerating across payroll and payment providers like Rise, Deel, and MoonPay.

• Stable is building dedicated USDT-powered payment rails optimized for global payroll and internet-native financial operations.

• The future of payroll is global, always-on, and stablecoin-powered.

Companies today operate globally by default, but global payouts still rely on outdated financial infrastructure.

Businesses increasingly work with remote employees, contractors, creators, and contributors across multiple countries and time zones. But while communication and collaboration have become seamless online, global payouts still depend heavily on fragmented banking systems, settlement delays, and costly international payment flows.

Stablecoins are beginning to change that by enabling faster, always-on movement of value across borders. Stable is designed to support these emerging global payment flows through efficient stablecoin-powered payment rails.

The Persistent Friction in Global Payouts

Despite the rise of global work, payroll infrastructure remains heavily constrained by traditional financial systems.

Businesses managing international payouts continue to face:

• Multi-day settlement times

• High FX spreads and wire fees

• Complex banking relationships across countries

• Reconciliation overhead and payment uncertainty

• Limited accessibility in emerging markets

For globally distributed teams and businesses, this creates unnecessary friction around something that should feel seamless: paying people across borders.

Stablecoins are increasingly becoming core infrastructure for internet-native payroll and global payouts.

Stablecoins Are Becoming the New Standard for Global Payouts

Stablecoins are transitioning from a niche tool to core infrastructure for cross-border payments. 

Unlike traditional payment systems constrained by banking hours and regional settlement infrastructure, stablecoins enable globally accessible and always-on payment rails without traditional banking hour constraints. This allows businesses to settle payouts faster, simplify international payment flows, and reduce friction around moving value between countries.

As stablecoin payroll adoption grows, infrastructure reliability, predictable execution, and compliance-aware payment systems are becoming increasingly important for businesses operating globally. Stable is built to support this shift through efficient, stablecoin-native payment rails.

As remote work and global hiring continue expanding, stablecoins are becoming an increasingly important layer for global payout infrastructure.

Stablecoin Payouts Are Moving Into Production

The shift is already underway. Major payroll and payment platforms are actively expanding stablecoin-powered payroll infrastructure for distributed teams and cross-border payouts, including:

• Rise, which has processed over $1B in payroll volume, with more than 50% of worker withdrawals occurring in stablecoins, according to its 2026 State of Crypto Payroll report.

• Deel, which partnered with MoonPay in 2026 to enable stablecoin salary payouts for global workers. Deel processes more than $22B in annual payroll volume globally.

This demand is being driven by globally distributed teams, contractors, freelancers, and internet-native businesses that increasingly require faster and more seamless international payout infrastructure.

For many workers across LATAM, Africa, and Southeast Asia, stablecoin payroll also introduces faster access to dollar-denominated liquidity without many of the delays and frictions associated with traditional cross-border payment systems.

How Stable Supports Global Payouts

Stable is purpose-built as a dedicated USDT-native L1 to serve operational payment flows like global payroll. Key advantages include:

• Single-asset experience: USDT as native gas means one balance for both payments and network fees. No wrapping, bridging, or managing separate tokens.

• Sub-second finality and improved reliability: Strengthened further by the recent v1.3.0 upgrade, giving finance teams greater confidence in batch execution timing.

• Predictable costs: Designed for recurring, high-volume operational payments rather than speculative use.

• Designed for seamless user experiences: enabling global payouts that feel fast, simple, and reliable.

With always-on payment infrastructure and seamless global liquidity movement, Stable is focused on making payroll for internet-native teams faster, simpler, and more accessible across markets.

Why This Matters

Global businesses now operate across borders by default. Teams, contractors, creators, and marketplaces increasingly require payouts that move as seamlessly as the internet itself.

But much of today’s financial infrastructure still depends on fragmented banking systems, delayed settlement windows, and inefficient cross-border payment flows.

As stablecoin adoption grows, new payment infrastructure is emerging to support a faster, more global, and always-on economy. Stable is designed for this shift.

The Thesis

Global payouts are becoming always-on, borderless, and increasingly powered by stablecoin rails.

As this shift accelerates, payment infrastructure must evolve alongside it. Stable is building dedicated rails optimized for this new era of global, internet-native payroll where paying talent anywhere in the world can be fast, predictable, and simple.

Stable is designed to support the next generation of global payouts through seamless USDT-powered payment infrastructure.

Sources:

• Stable Documentation

• Rise: 2026 State of Crypto Payroll Report

• Deel × MoonPay Stablecoin Payroll Announcement

Build on Stable

• Documentation: https://docs.stable.xyz

• Mainnet Hub: https://hub.stable.xyz

• Blog: https://blog.stable.xyz

• X: @Stable

• Community:https://discord.gg/stablexyz

Upgrade Overview

Stable v1.3.0 is a mandatory, non-backward compatible upgrade.

• Upgrade activation: May 13, 2026 (around 07:00 UTC)

• Upgrade height: 24077500 

• Recommended upgrade deadline for node operators: May 13, 2026

Partners running self-hosted infrastructure should upgrade before the deadline to avoid potential disruptions, including issues with deposit and withdrawal flows.

Stable v1.3.0 Upgrade Highlights

Strengthened Execution Safety and Validation

v1.3.0 introduces several improvements designed to tighten validation across the stack and reduce unintended execution paths.

System transaction handling was enhanced to validate not only the sender but also the destination and method selector, closing potential execution gaps. Transaction validation has also been strengthened across formats such as EIP-7702, with stricter checks on structure and authorization handling.

At the RPC layer, non-public namespaces are no longer exposed by default, and signing APIs are only enabled under explicit secure configurations. Input validation has also been tightened, including enforcement of EIP-55 address formatting and stricter constraints on query inputs.

Precompile and Protocol-Level Protections

This release expands protections around precompile execution.

The Prague precompile address range has been added to blocked addresses, and unknown precompile methods now require query gas. These changes reduce the risk of unintended execution and improve safety around low-level contract interactions.

EVM Execution Fixes and Consistency Improvements

v1.3.0 resolves several edge cases in EVM execution.

The upgrade includes corrected gas accounting for failed stateful precompile calls, fixes to refund behavior following ERC20 internal call failures, and improvements to precompile warm-set handling. The release also corrects COINBASE opcode behavior and aligns EIP-7702 authorization rollback with the specification.

RPC Reliability Improvements

This upgrade improves consistency across RPC responses and node behavior.

Fixes include resolving system transaction responses with from = 0x0, improving feeHistory error logging, and ensuring chainId consistency in historical full transaction responses. These changes improve reliability for indexers, explorers, and application backends interacting with Stable.

Required Actions for Partners

To ensure a smooth transition, we recommend that partners:

• Partners running self-hosted infrastructure should prepare their Stable v1.3.0 upgrade process before May 13, 2026.

• Node operators should stage the new binary in advance if using Cosmovisor, or be prepared to manually replace the binary and restart their node at the scheduled upgrade height if upgrading manually.

• Validate deposit and withdrawal flows post-upgrade

• Review any infrastructure relying on system transaction assumptions or RPC behavior

• Monitor node logs and synchronization status during the upgrade window

Note: Partners using public or third-party RPC providers or the BSC version of $STABLE do not need to take any action.

Additional Information

Stable v1.3.0 is a mandatory upgrade. Nodes running older versions after activation will not function. 

This upgrade does not involve a chain reset or state migration. Existing chain data is preserved, and no state export/import is required. 

We’ll share additional technical references and updates ahead of activation.

Build on Stable

Documentation: https://docs.stable.xyz

Mainnet Hub: https://hub.stable.xyz

Blog: https://blog.stable.xyz

X: @Stable

Community: https://discord.gg/stablexyz

Key Takeaways 

• Mainnet activity continues to scale, surpassing 1.15M transactions and 45,000+ addresses.

• The upcoming upgrade improves security, validation, and execution reliability

• The Stable documentation has been rebuilt from the ground up to improve the developer experience and reduce time to integration.

• Stable expanded its global presence across Web3 Festival Hong Kong and adjacent events.

• The next phase of upgrades will introduce parallel execution and deterministic transaction inclusion

• StablePay continues to progress toward enabling seamless, real-world USDT payments.

April Highlights

In April, Stable strengthened its execution layer with upcoming improvements focused on security, reliability, and developer experience. The near-term upgrade enhances transaction validation and execution safety, while a rebuilt documentation experience makes it easier for developers to go from integration to production.

At the same time, Stable expanded its presence across global conversations, with strong engagement on Web3 Festival Hong Kong and adjacent ecosystem events. These developments set the stage for the next phase of Stable, focused on higher performance, parallel execution, and predictable transaction execution at scale.

Protocol Upgrades

Security and System Reliability

Stable is preparing the next upgrade, with planned improvements across transaction validation, RPC exposure, and execution safety.

Expected updates include:

• tighter RPC controls and safer signing configurations

• strengthened validation for system transactions and waiver inputs

• expanded protections around precompiles and execution paths

The upgrade also includes fixes aimed at improving EVM execution consistency and RPC behavior, such as:

• more accurate gas accounting in edge cases

• improved handling of internal call failures and rollback behavior

• better consistency in RPC responses and historical transaction data

Why it matters

These updates are designed to strengthen the execution layer and improve reliability for developers and applications building on Stable.

Enhancements to Developer Documentation

The Stable documentation has been rebuilt from the ground up to improve the developer experience and reduce time to integration.

The updated docs include:

• Quickstarts and Integration Guides for faster onboarding

• Wallet and Oracle references with clearer implementation paths

• refreshed content across core developer workflows

There is also a stronger focus on agentic workflows, including guidance on building agents that can accept payments on Stable.

Developers can now leverage the documentation directly as a knowledge base for agents, enabling faster integration of Stable capabilities into agent-driven systems.

Explore the updated documentation:
https://docs.stable.xyz/

Mainnet Momentum Continues

Following the v1.2.0 upgrade, activity on Stable continues to scale as builders and early partners expand their deployments:

• 5,400+ smart contracts deployed

• 45,000+ total addresses

• 1.15M+ transactions processed

This sustained growth reflects increasing demand for stablecoin-native execution across payments, transfers, and settlement flows.

Post-upgrade, activity continues to trend upward, reinforcing Stable’s role as infrastructure for real-world, high-frequency payment environments.

How Agents Pay on Stable

This month, we introduced How Agents Pay, a series exploring how payment flows evolve as agents become active economic participants. As systems shift toward real-time, request-level interactions, payments are becoming part of the flow itself.

Stable simplifies this by enabling USDT for both gas and settlement, making high-frequency, agent-driven payments viable at scale.

Explore the series:
https://x.com/Stable/status/2042605598576087160?s=20
https://x.com/Stable/status/2047685953767297100?s=20

Community and Ecosystem Updates

This month, Stable expanded its presence across global industry conversations and ecosystem channels, with a strong focus around Web3 Festival Hong Kong and adjacent events, reinforcing its positioning at the intersection of stablecoin infrastructure and real-world payments

• At the Hong Kong Web3 Festival, our CEO Brian Mehler joined industry leaders across finance and crypto to discuss the future of cross-border payments and asset digitization.

  The conversation explored how payment infrastructure is evolving to support faster global settlement, and the role of stablecoin-native rails in enabling this shift.
  https://x.com/Stable/status/2046548357045432745?s=20

• At RWA & Payments 2026 in Hong Kong, our CEO Brian Mehler joined a panel hosted by BenPay Global to discuss how RWAs are moving beyond issuance into real utility, liquidity, and payment flows.

  The discussion focused on how the next phase of tokenized assets will be defined by infrastructure, access, and real-world adoption. https://x.com/Stable/status/2046223651268448296?s=20

• Stable co-hosted the RWA DeFi & PayFi Summit during Web3 Festival discussions alongside Asseto Finance and dtcpay, bringing together builders and operators across RWAs, DeFi, and payments.

  Our CEO Brian Mehler delivered a keynote on how payment rails and stablecoins power the next phase of RWA adoption, highlighting the role of infrastructure in enabling real-world use cases.
  https://x.com/Stable/status/2046487157913821490?s=20

  Brian also led a panel titled “RWA + PayFi: Stablecoin Payments and New Opportunities in On-Chain Asset Management,” alongside speakers from dtcpay, Billions Network, and Beosin. https://x.com/Stable/status/2046913298747273485?s=20

• At the HSC Asset Management conference, our CEO Brian Mehler joined leaders across the ecosystem to discuss the evolution of global liquidity rails and the infrastructure behind stablecoin-based financial systems.

  The discussion highlighted how settlement, compliance, and execution layers are shaping the next generation of global payments.
  https://x.com/Stable/status/2048773085327933580?s=20

• At the Techub News event in Hong Kong, our CEO Brian Mehler presented “AI Agents, Real Money, New Rails,”exploring how agents move from intent to action with embedded payments.

  The session highlighted how real-time, programmable payments, powered by sub-second finality and gas-free USDT execution, enable agent-driven systems at scale.
  https://x.com/Stable/status/2047292403162488836?s=20

StablePay: Coming Soon

A Stablecoin-Native Payments App for Global USD Transfers

StablePay is an upcoming payment app built on Stable, designed to make sending and receiving USDT globally as simple as using any modern payments app, but powered entirely by stablecoin infrastructure.

With StablePay, users will be able to:

• send USDT instantly to friends and family across borders

• pay globally in dollars without dealing with currency conversion friction

• transact without managing gas or multiple tokens

• rely on predictable, dollar-denominated transaction costs

Whether it’s sending money abroad, splitting expenses, or making everyday payments, StablePay makes global USD transfers seamless and accessible.

By combining stablecoin-native execution with a simplified user experience, StablePay brings the benefits of Stable into a consumer-facing application.

More updates are coming soon.

What’s Ahead

Toward the Next Phase of Stable

Stable continues to evolve its execution environment toward a system designed for continuous, high-frequency, machine-driven payments.

The next phase of mainnet development builds toward this, improving performance, execution guarantees, and support for real-time payment flows.

Upcoming Execution Upgrades: Performance and Predictability

The next set of protocol-level upgrades introduces fundamental improvements to how transactions are executed and prioritized:

• Optimistic Parallel Execution (OPE) + MemIAVL
  Enables multi-core parallel execution, targeting up to ~10k TPS

• Selective RecheckTx
  Improves sustained throughput while reducing node CPU usage

• 2D Nonce
  Introduces parallel transaction lanes, removing sequential nonce constraints

• Guaranteed Blockspace
  Enables deterministic transaction inclusion with reserved capacity for priority flows

Together, these upgrades remove key bottlenecks in the block lifecycle and shift execution from probabilistic inclusion to protocol-level guarantees.

Other Focus Areas

StablePay (Coming Soon)

• Consumer payments app for global USDT transfers

• Focused on seamless UX, gas abstraction, and real-world usage

Agentic Payment Infrastructure

• Continued support for x402-based flows

• Improved facilitator and settlement reliability

• Enabling high-frequency, API-level payments

Build on Stable

• Documentation: https://docs.stable.xyz

• Mainnet Hub: https://hub.stable.xyz

• Blog: https://blog.stable.xyz

• X: @Stable

• Community: https://discord.gg/stablexyz

Thank you for building with Stable.
The next issue of The Stable Standard will arrive next month.

• x402 embeds payments directly into API requests, eliminating the need for accounts, subscriptions, or external billing workflows.

• Stable serves as the execution layer for the agentic economy, offering fast finality, a unified gas token, and predictable fees.

• Payments are authorized via signatures and executed by facilitators, removing the need for user-side transaction handling

• Client-side complexity is minimized: no gas management or manual transaction construction is required.

• EIP-3009 enables native signature-based payments for USDT, with Permit2 extending support to any ERC-20 token

• Together, x402 and Stable enable a practical foundation for pay-per-use APIs and autonomous payment flows

The Missing Layer in Agentic Economy

As automation systems and AI-driven applications increasingly interact with digital services through APIs, data pipelines, and compute infrastructure, the payment rails supporting these interactions remain fundamentally designed for humans. Traditional online payments assume workflows such as:

• account creation

• login and credential management

• payment method registration

• subscription billing cycles

This model introduces friction when services must charge per interaction rather than through periodic subscriptions. It also creates barriers for automated systems that need to execute transactions programmatically.

The x402 protocol introduces a new primitive for the web: embedding payments directly into HTTP requests using the 402 Payment Required response code. This enables services to require payment before fulfilling a request, allowing a pay-per-use model without accounts or subscriptions.

While x402 defines the payment interaction pattern, the efficiency of this model depends heavily on the underlying settlement infrastructure. This is where Stable’s architecture becomes important.

x402 and the Emergence of Request-Level Payments

The x402 protocol introduces a simple way to integrate payments directly into web requests using the 402 Payment Required status code.

Instead of relying on accounts, API keys, or subscriptions, a service can return a 402 response when a client accesses a paid endpoint, including the required payment details.

In practice, integrating x402 can be as simple as adding a payment middleware to a route, enabling per-request pricing with minimal changes.

The client signs a payment authorization and sends the request again with the payment proof in the header. A facilitator verifies the authorization, submits the transaction on-chain, and once confirmed, the server returns the requested resource.

At a high level, the payment flow with x402 looks like:

• Client requests a resource

• Server responds with 402 Payment Required

• Client signs payment

• Request is sent again with signed payment (to Server)

• Server forwards signed payment proof to Facilitator

• Facilitator verifies and settles on-chain

• Resource is returned

This allows services to charge per interaction rather than through subscriptions, and naturally enables agent-to-agent (A2A) and machine-to-machine (M2M) payments.

x402 on Stable: Settlement Infrastructure for Agentic Payments

While x402 enables payments to be embedded directly into web requests, the effectiveness of this model depends on the settlement layer processing those payments.

Running x402 on general-purpose blockchains can introduce additional friction for automated payment flows. Clients often need to manage a separate gas token, construct and broadcast transactions, and deal with fee volatility caused by network congestion. These constraints add complexity to what is intended to be a lightweight request-level payment model.

Stable addresses these constraints by providing a settlement layer optimized specifically for stablecoin transfers and micropayments.

Stable is an EVM-compatible Layer 1 designed around USDT as its native gas and settlement asset, enabling payments to be priced directly in a stable unit of account.

Key architectural properties include:

• Stablecoin-native settlement Payments are denominated in USDT, allowing services to price interactions predictably without relying on volatile tokens.

• Sub-second finality Stable achieves block finality of approximately 700 milliseconds, enabling near real-time payment verification before a request is fulfilled.

• Micropayment economics Stable is optimized for high-throughput stablecoin transfers with transaction costs of ~$0.0001 per transaction, making it viable to charge for individual requests such as API calls or compute usage.

x402 defines the interaction model for agentic payments. Stable defines the settlement layer.

• x402 enables payments to be embedded directly into the request flow, removing accounts, subscriptions, and pre-configured billing

• Stable enables those payments to be executed efficiently, with low fees, fast finality, and no gas token overhead

Together, these properties make Stable a natural settlement layer for x402-based payments, enabling services to support pay-per-request interactions without the overhead typically associated with blockchain transactions.

Gas-free and Signature-Based Payments on Stable

A key requirement for request-level payments is minimizing the complexity of executing transactions. If a client must manage gas tokens, estimate fees, or construct transactions manually, the payment flow becomes difficult to integrate directly into application requests.

Stable addresses this through two mechanisms: Gas Waiver infrastructure and signature-based token transfers using EIP-3009.

Gas Waiver Infrastructure

Stable allows governance-approved infrastructure providers, known as waivers, to submit transactions with a gas price of zero.

• Waivers are governance-approved addresses that can broadcast transactions with gasPrice = 0.

• The client signs an InnerTx with zero gas price.

• A waiver service wraps this transaction into a WrapperTx and broadcasts it to a designated marker address on the network.

This architecture removes the need for clients to manage gas tokens or estimate transaction fees. For automated systems interacting with services through x402, the client only needs to hold USDT.

Signature-Based Payments with EIP-3009 and Permit2

Stable’s USDT0 contract natively implements EIP-3009 (transferWithAuthorization), enabling token transfers through signed authorizations.

Instead of constructing and broadcasting a transaction, the client simply signs a transfer authorization off-chain.

x402 on Stable supports two signature-based payment paths:

• EIP-3009 (default): Native to Stable's USDT contract. The client signs a transfer authorization off-chain, the facilitator verifies and settles on-chain. No gas token required.

• Permit2: For ERC-20 tokens that do not support native signature-based transfers. The facilitator sponsors the gas and handles approval and settlement atomically via the ERC-20 Approval Gas Sponsoring extension.

EIP-3009 flow:

• the client signs a transfer authorization specifying the payment amount and recipient

• the signed authorization is included with the request

• a payment facilitator verifies the signed authorization and submits the settlement transaction on-chain

Permit2 flow:

• The server advertises erc20ApprovalGasSponsoring in the PaymentRequired response

• The client checks if Permit2 allowance is sufficient; if not, signs a raw approve(Permit2, MaxUint256)transaction off-chain without broadcasting it

• The signed approval is included with the request

• The facilitator executes an atomic batch, broadcasting the approval and settling the payment together, with no window for front-running

Both flows remove the need for users to manage gas or submit transactions directly.

• EIP-3009 is the preferred path for USDT on Stable.

• Permit2 is the universal fallback for any ERC-20.

By combining signature-based transfers with gas sponsorship, Stable enables seamless, low-friction payments with minimal client-side logic.

Supporting Infrastructure

Several infrastructure components support x402-based payments on Stable, enabling developers and automated clients to integrate request-level payments without directly managing blockchain interactions.

Semantic Pay

Semantic Pay operates an x402-compatible payment facilitator for the Stable network.

Its role includes:

• verifying signed payment authorizations

• submitting settlement transactions to the Stable chain

• preventing replay or spam attacks during payment verification.

Because the facilitator handles on-chain submission and monitoring, services integrating x402 do not need to run their own blockchain infrastructure or track transaction confirmations themselves.

Heurist

Heurist operates as an x402-compatible payment facilitator within the Stable ecosystem.

Its role includes:

• verifying signed payment authorizations

• submitting settlement transactions to the Stable chain

• preventing replay or invalid transactions during payment verification

• ensuring reliable execution of request-level payments across services

Heurist contributes to expanding the facilitator layer on Stable, improving reliability, redundancy, and scalability for agentic payment flows.

Wallet Development Kit (WDK)

Tether’s Wallet Development Kit (WDK) enables applications to create and manage self-custodial wallets that can interact programmatically with payment systems.

WDK allows clients to:

• generate and store private keys locally

• sign payment authorizations programmatically

• integrate directly with x402-compatible payment flows.

Because WDK wallets satisfy the signer interface required by the x402 SDK, clients can automatically detect 402 Payment Required responses, sign the required authorization, and complete the request.

Supporting Protocols

In automated service environments, payments often operate alongside other protocols that enable coordination between clients and services.

Examples include:

• XMTP, which provides encrypted communication between wallet identities.

• ERC-8004, which introduces registries for agent identity, reputation, and validation.

Together with x402, these components allow systems to discover services, coordinate interactions, and execute payments within a programmable infrastructure.

Why Stable Is Structurally Suited for Agentic Payments

Execution Properties of Stable

• Stablecoin-native settlement: Payments are denominated in USDT, allowing services to price interactions in a stable unit of account.

• No gas token dependency: Through Gas Waiver infrastructure, transactions can be submitted without requiring clients to hold or manage a separate gas token.

• Signature-based payments: USDT0 implements EIP-3009 (transferWithAuthorization), allowing payments to be executed through signed authorizations rather than manually constructed transactions.

• Fast settlement: Stable achieves ~700ms block finality, enabling quick payment verification.

• Micropayment economics: Transaction costs around $0.0001 make request-level pricing economically viable.

Together, these properties allow x402 payments on Stable to function as lightweight, request-level transactions without the overhead typically associated with blockchain payments.

Conclusion

The x402 protocol introduces a simple mechanism for embedding payments directly into the request layer of the web, enabling services to charge for individual interactions without relying on accounts or subscription billing.

For this model to function efficiently, the underlying settlement layer must support fast confirmation, predictable costs, and minimal client-side complexity.

Stable provides these capabilities through its stablecoin-native architecture, gasless transaction infrastructure, signature-based payment flows, and sub-second settlement. Together, these properties allow x402 payments to operate as lightweight, request-level transactions that can be integrated directly into application workflows.

As payment models move toward pay-per-use digital services, infrastructure optimized for high-frequency, low-cost transactions becomes increasingly important. Stable provides a settlement layer designed to support these interactions.

Build on Stable

• Documentation: https://docs.stable.xyz

• Mainnet Hub: https://hub.stable.xyz

• Blog: https://blog.stable.xyz

• X: @Stable

• Community: https://discord.gg/stablexyz

This month, new research from Citrini underscores a key shift: as agents become more autonomous, execution is emerging as the primary bottleneck. Stablecoins have improved settlement, but execution remains fragmented and unreliable. Stable is highlighted as a solution to this challenge, simplifying how agents transact by removing gas and multi-token complexity.

Key Takeaways

• Agentic payments are shifting toward request-level, API-native transactions, replacing subscription-based models

• Execution, not settlement, is the primary bottleneck in current systems

• Stable removes gas and multi-token complexity by enabling USDT for both gas and settlement

• Fewer steps improve reliability, allowing agents to transact more consistently

• Infrastructure optimized for micropayments and real-time settlement is becoming essential for the agentic economy

The Payment Rail for the Agentic Economy

Recent research from Citrini  highlights a key constraint in agentic payments today: while stablecoins improve settlement, execution across most chains still depends on separate gas tokens and multi-asset workflows. This introduces friction, cost variability, and additional failure points for systems that are meant to operate autonomously.

Stable is positioned as a solution to these constraints.

By using USDT for both gas and settlement, Stable enables agents to transact in a single, stable unit of account. Costs are predictable and fully denominated in dollars, with no need for gas conversion and no exposure to volatile native tokens. As Citrini notes, “No need to maintain a separate balance solely to execute transactions.”

This simplification directly improves reliability. Fewer steps in the transaction flow mean fewer points of failure, allowing agentic systems to operate more consistently under real-world conditions. Instead of managing multiple assets and execution paths, agents transact through a single, unified flow.

How Stable Enables Agentic Payments

While protocols like x402 enable payments to be embedded into API requests, the efficiency of this model depends on the settlement layer.

Stable is optimized for agentic, request-level payments:

• Stablecoin-native execution, allowing pricing directly in USDT

• ~700ms finality, enabling near real-time verification

• Low costs (~$0.0001 per tx), making micropayments viable 

At the execution layer, Stable reduces complexity further. Gas Waiver infrastructure removes the need to manage gas tokens, while EIP-3009 signature-based transfers allow agents to authorize payments off-chain with settlement handled by infrastructure providers.

In practice, this enables lightweight, API-level payments, where agents can transact programmatically without accounts, subscriptions, or multi-token overhead. 

Payments become part of the request flow itself, rather than a separate system to manage.

Mainnet Momentum

Following the v1.2.0 upgrade, activity on Stable continues to scale as builders and early partners deploy to mainnet. The network has now surpassed 5,000 smart contracts deployed, 43,000 active addresses, and 999,000 transactions processed within the first three months.

As adoption grows, a clear pattern is emerging: demand for stablecoin-native infrastructure across payments, transfers, and settlement flows is moving from early traction to sustained usage.

Post v1.2.0 Mainnet Upgrade: Adoption and System Improvements

Since the v1.2.0 upgrade, Stable has continued to see adoption across its core transaction and gas model, alongside improvements to execution reliability and user experience.

• USDT0 Gas Adoption
  An increasing share of transactions are now executed using USDT0 for gas, simplifying execution and reducing reliance on multi-token workflows.

• Gas-Waived Transactions
  Gas-waived flows are now actively used across select use cases, enabling smoother onboarding and more seamless application-level interactions.

• Transaction UX Improvements
  Transaction flows have become more predictable and streamlined, with fewer dependencies and clearer cost structures.

• Developer & Infrastructure Improvements
  Enhancements to contract compatibility and system-level signaling have improved reliability for developers building on Stable.

Community and Ecosystem Updates

This month, Stable continued to expand its presence across global industry conversations and ecosystem channels, reinforcing its positioning at the intersection of stablecoin infrastructure and real-world payments.

• This week, our CEO, Brian Mehler will be joining the discussion hosted by Infini, alongside leading teams, to explore the agent economy and the role of AI-native finance.

Stable

@Stable

Tune in tomorrow at 12:00 UTC for a stacked Twitter Space on AI-native finance.

Our CEO @mehler joins the lineup alongside @0xinfini, @billions_ntwk, @DonutAI and other leading teams.

Mark your calendar

Infini

@0xinfini

AI × Crypto is entering a new era.

We are hosting a special Founders’ Talk on:
2026 AI × Crypto Thesis: The Agent Economy
As AI agents evolve from content engines to economic actors, the next question is clear:
how will they earn, transact, and operate at scale?

Join us with an

22

16:47 • 29 Mar 2026

• This month, we hosted a meme contest around AI agents, inviting the community to explore what happens when agents get payment rails.

  

  Stable Intern

  @stable_intern

  STABLE MEME CONTEST
  
  Theme: Stable AI Agent
  
  What happens when AI gets payment rails? Show us.
  
  2 Winners
  $50 each ($100 total)
  
  How to enter:
  – Follow @stable_intern and @stable
  – RT this post
  – Tag 3 friends
  – Drop your meme below
  
  Ends in 7 days
  
  Make it

  

  67

  18:53 • 20 Mar 2026

• Earlier in the month, our CEO Brian Mehler joined the On The Margin podcast, where he shared his perspective on the rise of crypto cards and how stablecoins are reshaping global payment systems: https://x.com/Stable/status/2029561984778379666?s=20

• Stable also participated in a live discussion hosted by Metya, alongside ecosystem partners, exploring the role of AI agents, capital, and the future of programmable money:

METYA

@metyacom

AMA (X Spaces)
“AI Has Money Now. Are We Ready?”

Mar 19 (Thu) · 12:00 UTC / 20:00 UTC+8
Host: @metyacom

As AI agents move from content to capital, the real question is no longer what they can do — but who controls the money, the risk, and the responsibility.

136

13:11 • 19 Mar 2026

• Stable was featured by Bit2Me, reflecting continued collaboration and expanding visibility across global crypto and fintech audiences: https://x.com/bit2me/status/2033912304199254093?s=20

What’s Ahead

Several high-impact initiatives remain in active development, focused on scaling Stable’s core capabilities for payments and agent-driven systems.

• Agentic Payment Infrastructure
  Work continues on expanding support for x402-based flows, improving facilitator and settlement reliability, and enabling high-frequency, API-level payments.

• Guaranteed Blockspace
  Development is underway to enable predictable execution across high-frequency payment systems, institutional transaction flows, and agent-driven applications.

• Performance Scaling
  Ongoing improvements to the execution pipeline are increasing throughput and system efficiency. Stable is targeting ~7,000 TPS in Q2, supporting high-frequency, low-value transaction environments.

Together, these initiatives reinforce Stable’s role as a payment layer designed for continuous, programmatic transactions in the agentic economy.

Build on Stable

• Documentation: https://docs.stable.xyz

• Mainnet Hub: https://hub.stable.xyz

• Blog: https://blog.stable.xyz

• X: @Stable

• Community: https://discord.gg/stablexyz

Thank you for building with Stable.
The next issue of The Stable Standard will arrive in April.

• Autonomous agents are increasingly being designed to execute pricing, allocation, and settlement decisions with minimal human intervention.

• Stablecoins are emerging as the preferred payment rail for machine-driven commerce due to speed, cost efficiency, and price stability.

• Most blockchain infrastructure still relies on dual-token models, creating a mismatch between dollar-denominated revenue and volatile execution costs.

• For autonomous systems operating at scale, this mismatch introduces structural friction in cost modeling, accounting, and margin optimization.

• Economic consistency, where revenue, gas, and settlement share the same unit of account, reduces variance and simplifies execution logic.

• Stable’s USDT-native architecture aligns the base layer with how agents account for value, removing unnecessary volatility at the execution layer.

• As agent-driven commerce scales, infrastructure that minimizes economic inconsistency will hold a structural advantage.

Stablecoins as Agentic Payment Rails

In a recent memo, Citrini stated that autonomous agents will route payments through stablecoins on existing chains and L2s. 

The rationale is straightforward. Stablecoins offer near-instant settlement, and transaction costs measured in fractions of a penny make them more efficient than traditional card rails. For machine driven commerce, that is a meaningful improvement.

Autonomous agents are being built to execute pricing, allocation, and settlement decisions with minimal human intervention. As this shift unfolds, the requirements of financial infrastructure change.

Stablecoins are a natural fit for agents because they provide price stability and global liquidity. However, routing payments through stablecoins does not automatically resolve how execution is structured at the base layer.

What Changes When the User Is an Agent?

Autonomous systems are fundamentally different from human users. They optimize margins in real time, execute programmatic flows, and operate in pure dollar logic. 

Every additional layer of complexity, whether it’s token conversion, gas exposure, or volatility management becomes structural friction.

Most high-performance chains still use a dual-token model. Even when payments happen in stablecoins, agents must manage a separate, volatile gas asset, which is a structural friction for high-frequency, margin-sensitive autonomous systems.

If the agent economy is going to scale meaningfully, it won’t just route through stablecoins. It will require infrastructure built entirely around them, where the dollar an agent earns is the same dollar it spends, with no conversion, no volatility exposure, and no hidden complexity.

Stable removes that friction entirely by making the dollar itself the native unit for both settlement and gas. 

Stable Brings Economic Consistency as a Design Principle

Economic consistency means that revenue, gas, and settlement all operate in the same unit of account. 

Autonomous systems optimize within defined parameters. They are built to operate on predictable inputs and outputs. When revenue, gas, and settlement are denominated in different units, agents must account for external volatility unrelated to their core activity. That increases complexity without adding functional value.

Economic consistency addresses this problem directly. If all components of a transaction share the same unit of account:

• Revenue and expenses remain directly comparable.

• Cost modeling becomes stable across time.

• Execution logic simplifies.

• Accounting remains coherent at scale.

For machine-native commerce, this consistency is a structural advantage.

Infrastructure that removes volatility at the execution layer allows agents to operate as designed.

As autonomous systems scale, this alignment becomes increasingly important.

Why Stable’s USDT-Native Design Matters

USDT remains the most widely adopted stablecoin in global markets and cross-border flows. It is already the de facto dollar representation across much of crypto-native activity.

By making USDT the native execution unit rather than an application-layer asset, Stable aligns with existing liquidity, user behavior, and agent accounting logic.

For agent-driven systems, this alignment has practical implications:

• Liquidity is already deep and globally distributed.

• Pricing conventions are dollar-based.

• Integration with existing ecosystems remains straightforward.

Stable does not merely support USDT as a payment asset. It treats it as the foundational economic layer.

That distinction becomes increasingly important as machine-to-machine transactions expand.

The Scaling Implication

Today’s agent-driven commerce remains early. But as autonomous systems begin coordinating supply chains, digital services, and compute markets, transaction volume and frequency will increase significantly.

In that environment, small inconsistencies in cost structure scale into meaningful constraints.

Infrastructure that introduces unrelated volatility at the execution layer forces agents to compensate. Infrastructure that minimizes economic variance allows agents to operate closer to their theoretical efficiency.

Routing payments through stablecoins was the first stage of this evolution. Aligning the base layer entirely with stablecoin logic is the next.

Stable is built for that next phase of machine-driven commerce: USDT-native, built for agents and economically consistent

Build on Stable

• Documentation: https://docs.stable.xyz

• Mainnet Hub: https://hub.stable.xyz

• Blog: https://blog.stable.xyz

• X: @stable

• Community: https://discord.gg/stablexyz

Welcome to the fifth edition of The Stable Standard, where we share progress across the Stable network and how stablecoin-native infrastructure is becoming the default payment layer for the exploding agentic AI economy.

Agentic Payments on Stable

Just days ago, Citrini Research released “The 2028 Global Intelligence Crisis,” stating that as AI agents scale, they will seek faster, cheaper alternatives to traditional card networks. The report suggests many agents will rely on stablecoins via existing chains and L2s, where settlement is near-instant, and transaction costs are measured in fractions of a penny.

The direction is clear: As agents become autonomous economic actors, stablecoins offer a more efficient settlement layer than legacy payment rails.

The thesis is correct. But Stable went a step further.

What changes with Stable? Stablecoin settlement reduces payment fees, but execution on most chains still depends on a separate native gas token. For autonomous systems, that means added complexity and cost variability. With Stable, AI agents operate entirely in USDT.

Stable is built as a stablecoin-native blockchain, with gas paid directly in USDT. This allows agents to operate with a single asset, with predictable, dollar-denominated costs, supporting high-frequency, recurring, and streaming payment flows without additional token-management complexity.

Stable is positioned at the forefront of this shift, leading the transition toward agent-native financial infrastructure.

When transactions become machine-driven and continuous, payment design matters. Stable’s architecture supports the automated, stablecoin-native settlement that these emerging systems require. Read more: https://x.com/Stable/status/2027050531584455084?s=20

Mainnet Momentum Is Real

Two months into mainnet, Stable is powering meaningful execution across smart contracts, consumer apps, and early AI-driven agents. Since launch:

• 4,600+ smart contracts deployed

• 42,000+ active addresses

• 860,000+ transactions processed

• 150+ partners building the Stable ecosystem

As adoption grows, the pattern is clear: stablecoin-native infrastructure is moving from concept to active deployment.

Mainnet Upgrade v1.2.0

The v1.2.0 upgrade introduced foundational improvements across gas mechanics, staking visibility, and transaction UX, pushing the network closer to seamless, payment-grade infrastructure purpose-built for both real-world payments and AI-driven execution.

USDT0 as Native Gas

Stable now supports USDT0-based gas flows, allowing users and applications to transact without volatile assets.

This significantly reduces friction for builders and end users, and establishes the groundwork for fully dollar-denominated blockchain usage. For high-frequency AI systems that require deterministic cost models, predictable dollar-denominated gas is essential.

Gas-Waived Transactions

Selected transaction flows can now operate with zero gas fees. This unlocks smoother onboarding, application-level abstraction, and payment flows where users never have to think about gas mechanics at all.

For payments to scale, UX must disappear. v1.2.0 moves Stable closer to that standard.

Read the full breakdown here:

https://blog.stable.xyz/stable-v120-upgrade-usdt0-gas-and-core-ux-improvements

Documentation: https://docs.stable.xyz

Developer Discord: https://discord.gg/stablexyz

StablePay: Advancing Toward Production

StablePay continues to evolve as the consumer application for real-world payments on Stable.

Progress since the last issue:

• Strong early waitlist interest across the ecosystem

• Ongoing internal testing across transaction abstraction, settlement reliability, and UX flows

• Active development toward beta milestones, including partner integrations and product refinement

StablePay brings simple, gas-free USDT payments to consumers, making stablecoin transfers instant, global, and easy to use.

Community and Ecosystem Updates

This month, Stable maintained strong global visibility across major industry gatherings and ecosystem discussions.

• Our CEO, Brian Mehler, joined the panel at LONGITUDE by Cointelegraph at Consensus Hong Kong, where he discussed the evolution of stablecoin-native infrastructure and why payment-grade execution environments must move beyond volatile gas mechanics: https://x.com/Stable/status/2023766405422915810?s=20

• At Payment Rails 2.0: Stablecoin Infrastructure Connecting DeFi and TradFi by EX.IO, our CEO Brian emphasized the importance of specialized stablecoin infrastructure and how Stable improves capital efficiency across DeFi and TradFi: https://x.com/Stable/status/2022696956947296734?s=20

• Our CEO Brian spoke at the Intelligent Web3 Reception hosted by Gate at Consensus HK on the future of stablecoins, he shared what it takes to build credible markets and scalable payment infrastructure globally: https://x.com/Stable/status/2021922829529493858?s=20

• At Alpha Night, hosted by MyTokenCap, our CEO Brian Mehler joined industry leaders to share Stable’s vision for payment-focused infrastructure purpose-built for stablecoins.

• As traditional finance increasingly moves on-chain, Brian emphasized that money requires rails that are predictable, compliant, and designed to handle real transaction volume: https://x.com/Stable/status/2021922829529493858?s=20

Join the Stable Discord to stay involved in our community events in the future: https://discord.com/invite/stablexyz 

What’s Ahead

Several high-impact initiatives are actively in development:

• Guaranteed Blockspace: enabling predictable execution for institutional and high-volume use cases

• Performance scaling via OPE + StableDB: increasing throughput and pushing TPS capacity further

Each of these upgrades reinforces Stable’s core thesis: predictable, dollar-native execution designed for real-world settlement.

Build on Stable

• Documentation: https://docs.stable.xyz

• Mainnet Hub: https://hub.stable.xyz

• Blog: https://blog.stable.xyz

• X: @stable

• Community: https://discord.gg/stablexyz

Thank you for building with Stable.
The next issue of The Stable Standard will arrive in March.

Since Stable Mainnet launched on December 8, 2025, the network has established a foundation for stablecoin-native settlement. Today, we are excited to announce Stable v1.2.0, a significant upgrade that improves the overall experience for both retail users and developers in the Stable ecosystem.  

This upgrade introduces several key protocol-level enhancements designed to simplify token usage, improve developer ergonomics, and enhance chain observability and stability. 

Key Features of the v1.2.0 Upgrade

USDT0 as the Native Gas Token

With v1.2.0, USDT0 is now the native gas token on Stable, replacing gUSDT.

As part of this transition, gUSDT will sunset, and all existing gUSDT balances will be automatically converted to USDT0.

This update simplifies how users and applications interact with the network by removing the need for wrapping and unwrapping. Now, USDT0 serves as both the native gas token and an ERC-20 token. It can now be used both for:

• Network fees (gas)

• Standard token actions

  • including approve, permit, transfer, and transferFrom

In practice, this means users can pay fees and move value using the same stablecoin representation, without having to wrap or unwrap tokens, thereby simplifying the experience for users and developers alike. 

For technical details and implementation notes, please refer to the documentation.

Enhanced Staking Transparency

v1.2.0 improves visibility into staking lifecycle events.

Previously, completion of the STABLE token unstaking did not emit any on-chain events, and smart contracts had to actively monitor blockchain events through RPC calls until the end of the 7-day unbonding process.

With this upgrade, Stable will include system-generated transactions (sent by 0x1) when an UnbondingComplete event occurs. Applications and indexers can now reliably track completed undelegations through on-chain events by listening to events and querying finalized balances.

Improved Solidity Compatibility

v1.2.0 resolves a compatibility issue affecting older Solidity versions.

Contracts compiled with Solidity versions earlier than 0.8.10 could not reliably call the balanceOf method on the STABLE token. This issue has now been fixed, improving compatibility across a broader range of tooling and deployments.

Gas Waiver Support

Stable v1.2.0 introduces support for gas-waived transactions, enabling selected flows to execute without requiring users to hold gas upfront.

The gas waiver system is API-managed and includes safeguards designed to prevent abuse, including:

• per-transaction usage limits

• block-level caps

• API rate limiting

Gas waivers are executed through a set of approved waiver accounts, which can be updated through governance. Waived transactions are wrapped and signed by a waiver account to ensure consistent enforcement and accountability.

For integrators and developers, this unlocks new onboarding and payment UX patterns while maintaining protocol-level controls.

What This Upgrade Enables

Stable v1.2.0 strengthens the foundation for stablecoin settlement at scale by:

• reducing token friction for users and applications

• improving event-driven visibility for staking workflows

• expanding compatibility across Solidity tooling

• enabling new gas abstraction patterns for smoother UX

• reinforcing reliability for production workloads

What’s Next

Stable v1.2.0 is part of an ongoing roadmap to make StableChain easier to integrate, easier to operate, and more resilient at scale.

Over the coming releases, Stable will continue to improve:

• settlement reliability under sustained load

• developer tooling and ecosystem infrastructure

• payment-oriented UX for real-world stablecoin flows

More updates will be shared through official Stable channels.

Build on Stable

• Documentation: https://docs.stable.xyz

• Mainnet Hub: https://hub.stable.xyz

• Blog: https://blog.stable.xyz

• X: https://x.com/stable

• Community: https://discord.gg/stablexyz